Motor Insurance Rip-Off???????

asamson

Hi,i hope someone will be able to help.

I took out a motor insurance policy last July and it amounted to £22 a month then they said they hadn't recieved proof of my no claims bonus so now wanted £99 a month so i cancelled and sent back my policy,never heard another thing until Saturday i recieved a letter from the company's solicitors demanding £305 as an outstanding balance.

Where do i stand on this,am i right to think that because i never agreed to the rise and sent the policy back that i should owe nothing.

Thanx for any help on this matter.

kingstreet

Did you send them evidence of your no claims? How? How many times did you send it?

Check the terms and conditions when you arranged the cover. What does it say about early termination and charges? It may be that you have been charged for the minimum period of cover and of course, based on you having no NCD.

dunstonh

Where do i stand on this,am i right to think that because i never agreed to the rise and sent the policy back that i should owe nothing.

No. That is not correct. You have broken the contract and owe them money. How much will depend on a few things.

Q1 - did you supply them with the proof of no claims discount?
Q2 -did your entitlement of NCD match that which you gave when you applied for the insurance?
Q3 - is the premium for the period of cover they gave up to cancellation or are they saying you didnt cancel?

asamson

Hi thanx for the replies,Yes my NCB matched,they said they never recieved the proof,and i can only assume then that this the amount owed for the period i spent with them,but if i were paying £22 a month surely thats all paid up until i cancelled.

Looks like the Insurance company win.:mad:

dunstonh

The problem is that you buried your head in the sand with it. The lack of communication is what has led to this. You need to go back to them to say you sent proof of NCD in and supply it to them again. They can adjust the price you have to pay to reflect that. As you cancelled, you would also have a cancellation charge and the calculation may not be exactly pro-rata. It cannot be too far out from it but 3 months could result in you having to pay 4 months premium.

magpiecottage

Clearly items do get lost in the post but I do not see how running away from it and cancelling could possibly have helped in that situation anyway - you still needed cover and would still have no proof to provide a new insurer.

Unless you can prove the insurer received the documentation (and without proof of posting that is unlikely) it is going to be difficult.

I think you are going to have to pay up and chalk it up to experience.

jacscot

Provide them with your proof of no claims and any outstanding amount will be recalculated, as you cancelled at 0 years no claims it has been calculated on this basis, it will be simple enough to resolve this and get a revised figure.