Direct Line Car Insurance - 90 days

m2_225288

HI all,

Big thank you to Martin for setting up such a great web site. It's second time I am here seeking advised (I had last month finally sorted my ISA transfers thanx to this website).


Now reading through the ISA and motoring threads there are really help-full people over here, so I wonder if anyone has got any suggestion to my problem.


I have bought ex leasing car I always wanted (but also drive company pool car - due to tax every 3 days different). Done the Insurance on-line before driving
of the Action site as and my girlfriend has already got insurance with DL and we did have our previous second car insured with them as well so I am still on her policy as named driver I went for them.

Before going on holiday (within 30 days) from receiving cert. I have posted from Heathrow post office at T3 her details as DL as they offer Named Driver No Claims Discount - NCD (but she had number of policies with them as renewal is often more expensive).
Come back from holiday and got 2 letters that no NCD received. Phoned them on that day advised as what is said on the letters no NCD received. So Advised that I call back later with her policy number as I do not remember it

So phoned back 2 days later, lady looked into it and advised me that it's only 4 years NCD so I said look I do own another car in other part of EU where I was born and still have the car
insured and my old men running in it around (in Europe you insure the car not the driver so anyone with valid licence and your permission can drive it) so advised OK,
send us your NCD from your country insurance company. Spoke to my insurance company back where I was born and few days later I did post them the letter. So that I though was sorted.

What a surprise that I got another letter saying that NCD not received will charge full price 1325/year for 2008 Honda Civic 2.2 EX !

So I have phoned on 3rd occasion (spoke to Evelyn) but as usual I will always ask for name of the person I am talking to and make a note of it and as soon as I have done that, lady on the phone become unpleasant etc.
We have not received anything until now, not entitle to NCD, will charge full price, can I speak to Supervisor no you can't, quite a long call arguing about it, anyhow I said look I spoke to (S....) on 12.5.11
and advised that's fine to produce NCD from another EU country insurance, no it is not you can't have another insured car somewhere else ..... ok will phone you back need to check, called back that she will have to cancel my policy as it is not valid because I have
another policy somewhere else and that is not allowed.

I was on the way home from work so she asked if I am driving I said yes and she raised her voice that I 'm not insured to drive so I have advised her that I 'm not driving my own vehicle she calm down bit
so got to the point I said to her that I want to speak to her Supervisor, ok I will get him to call you back when he got time. She as well during the conversation question my residential status (Yes I resident over here in in full time employment as per the insurance cert.)
to what I have replied to her but spend some time abroad travelling no you not insured if you out of the country for more that 90 days ... I did not want to argue with her so wanted to escalate it so advised that some may call me back on day or next week Monday.


No one phone back and then few days later received letter that it is being investigated by Customer Relations and will get back to me.

22 days later I had phone call from a lady at their Customer Relations Office, but was at work (I gave them my evening number but they keep calling me during the daytime when I am at work and can't talk)
to call back in 1 hour time or next day she will be at work 9-5 and second voice mail next day @11am to call back on the day until 6pm. So I have try to call 3 days later on number provided
waited on the phone 0845 number for over 1 hour 44 minutes and at 10pm got cut off, so phoned them in my lunch break 2 days later only to be told that my Surname and reg of the car is not good and need this and the other and that
they have got more than one Terri in the office!

I have left it like that as my work takes over my life and did not get a chance to call back again. 14 days later I got letter that Terri has looked into it and found that she can not accept my NCD as I am out of the country for more that 90 days!!! but as she can
not find the recorded call I had with the ladies she will waive discount but can not insure me as I am out of the country for more than 90 days as she checked her underwriting criteria (no where in my insurance brochure it mentions that I can not go
travelling 3 times a year for more than 90 days. What is says in section G is that Foreign use of the vehicle must not exceed more than 90 days. So she sill have to cancel in 7 days from the 14/07/11 I have received the letter on 16th
so on 19th July posted recorded delivery by 1am that I do not spend 90 days abroad but nowhere on the insurance it says that I have to be in this county for no less that 275 days in the year (I wonder how the old BA cabin crew get insured especially on those long haul flights spending
most of the time overseas) SO they should have received it by 20th of July. and then another surprise, letter saying that my cover will be cancelled from 00.01 5/8/11.

So I got straight on the PC and wrote long letter with copies of all the correspondence / voice mails saved on my web server and links included in that email to Paul Geddes, I got Out of Office AutoReply that not in until Monday 1st of August.

On Monday I got e-mail from his PA to advise that the matter has been passed over to Mr. Geddes team who will look into it.

Same day lady from his executive team phoned and left message on my evening phone to call back. I did so next day, briefly explained it all again, and she will call me back. SO the same day I got another message from her to call back.
So I did call back today, she has advised me that can not cover me because the 90 days rule I have then got bit frustrated as I did explained that in my letter to Terri dated 18/07/11 so she said that she will need to check wit DL
as she can't access my info, so I stayed on hold for few minutes and then been told that she will have to listen to the conversation I had with Evelyn and by the way we have cancel you insurance already on 21st oh no sorry it was cancelled on 14th oh no on 2/08/11 so
I got bit irritated as last letter say 00.01 5/8/11 so she said I will have to check why and will call back. I did say to her that it made me feel that Evelyn or someone else is trying to really screw me over and make my life difficult and that I would like to see all the notes on my account.

So just got back home my car is uninsured I now want to use it and can't. Total incompetence. I have another voice mail to call her back so I have taken 2morrow off
to get that sorted.


With regards to cancellation what should have been the legal process they should have followed?

Does anybody know what the hell is the 90 days about?

I could only find this in my car insurance booklet section G page 20

Extending your policy cover abroad:
...... Cover in these countries only applies if your main permanent home is in the UK and your visit abroad is for less that 90 days.

or if someone has got any other advice it will be much appreciated.


Thank you in advance.

wealdroam

Is there a shorter version of your epic available?

m2_225288

wealdroam wrote: »

Is there a shorter version of your epic available?

:T short answer NO

But working on in, how short will different media organisation require?

Any ideas what my new domain name in protest of it should be?

canceldirectline.com

or

donotusedirectline.com

or .....

Tiexen

You have confused them - the 90 day limit is for taking the car (insured by Direct Line) abroad for more than 90 days - not you leaving the car in your drive while you go away for more than 90 days.

And if your having so much trouble why not just go somewhere else?

wealdroam

m2_225288 wrote: »

:T short answer NO

Ok, I'll leave it for some one who has more time.

Please can you explain why we need to know which post office at heathrow you used?

cajef

Also a duplicate thread, posted the same long winded tome in the insurance forum here:-

https://forums.moneysavingexpert.com/discussion/3401054

m2_225288

Tiexen wrote: »

You have confused them - the 90 day limit is for taking the car (insured by Direct Line) abroad for more than 90 days - not you leaving the car in your drive while you go away for more than 90 days.

And if your having so much trouble why not just go somewhere else?

Hi Tiexen,

thanx for your reply.

I have posted into two sections first of all
Home & Play > Motoring, Public Transport & Cycling
and then I have found later on
Pure Money > Insurance & Life Assurance and could not deleted this one.

I have updated the thread over here:

h**p://forums.moneysavingexpert.com/showthread.php?t=3401054

you are and I was wrong their "underwriters" saying that if you are out of the country (no matter that car is not being driven and it's on your drive) they will not insure you. It's Commercially Sensitive Information and that is why I or you would not find it anywhere

Well I love to, but have not got any NCD it's on my girlfriends policy where I have been Named Driver for over 4 years and DL accepts Named Driver NCD