Done Deal have done me!

Skimatix1

isplumm wrote: »

Hi,

Do you mean that you are paying monthly, but actually have a annual contract? Or are you paying monthly & have a monthly contract?

If it is the 2nd option, then just find a different insurance company - aplan are a good broker ... but if the 1st one, check the cancellation fees - ask the broker for these ...

Mark

Hi,

I wasnt even aware that you could get pay as you go insurance, i thought it was all annual. If this is the case I have a 12 month contract which I pay monthly. If they are the ones cancelling the policy, will I still have to pay a cancellation fee?!!

isplumm

Skimatix1 wrote: »

Hi,

I wasnt even aware that you could get pay as you go insurance, i thought it was all annual. If this is the case I have a 12 month contract which I pay monthly. If they are the ones cancelling the policy, will I still have to pay a cancellation fee?!!

Well you need to ask the broker that - not us .... there could be - depends on the t&cs ....

Mark

Skimatix1

lisyloo wrote: »

This is perfectly legal so whilst you can argue about the reasons all day if you want, at the end of the day it's their decision.
Where you want to live and what car you want to buy is your decision.
They are under no obligation to cover all areas of the UK.
It looks like you bought an aanual policy and now you will have to pay the cancellation fees to cancel it.

Sorry, but it's their decision and not illegal.
There are however limits for the cancellation fee (which I think is £75).
You would have had their terms provided to you in writing and had a 14 day cooling off period to read them.

All I really wanted to know is if this was legal and if they could actually do it, to which I now have my answer, thank you.

If they are the ones cancelling the policy, do I still have to pay a cancellation fee?

Skimatix1

Skimatix1 wrote: »

If they are the ones cancelling the policy, do I still have to pay a cancellation fee?

its ok I have my answer to this

Quentin

Skimatix1 wrote: »

If they are the ones cancelling the policy, will I still have to pay a cancellation fee?!!

Although they are the ones cancelling the policy, it is because of the unnacceptable (to them) change you want to make from the original proposal.

See if the broker will help out over this to keep your business if they are able to put you with any other insurer.

Skimatix1

Quentin wrote: »

Although they are the ones cancelling the policy, it is because of the unnacceptable (to them) change you want to make from the original proposal.

See if the broker will help out over this to keep your business if they are able to put you with any other insurer.

Ok thanks for the adivice

vusys1

do fortis have a website? go on there and see if it will quote on your new address

Skimatix1

vusys1 wrote: »

do fortis have a website? go on there and see if it will quote on your new address

It seems you cannot deal directly with Fortis for car insurance, you have to go through a broker, but thanks for suggestion

dtaylor84

However, be aware that having insurance cancelled is not a good thing. Whenever you get a quote for insurance they will ask "Have you ever had insurance refused or cancelled?". If you have to say yes to this question, you may find they will increase your premium or refuse to quote.

Quentin

dtaylor84 wrote: »

However, be aware that having insurance cancelled is not a good thing. Whenever you get a quote for insurance they will ask "Have you ever had insurance refused or cancelled?". If you have to say yes to this question, you may find they will increase your premium or refuse to quote.

Ignore this.

A cancellation like this one (due to a change of address) does not need to be considered a "refusal/cancellation" in this context.