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Swinto - Can they do this
lew15
Posts: 2 Newbie
Last night around teatime I had a call from my insurance company saying my insurance on my van was due again on 15th February and they coudl now do it cheaper via commercial insurance (I only use it for commuting its not for business). The quoted me at around £34.00 per month which I have been paying £38.00 - so thought that was ok. She went through the premiums etc and then said something on the lines of - are you happy with that - to which I replied yes seems ok to me. After I got off the phone - OH said why dont you just check online and see how much cheaper - £18.00 per month or thereabouts. I decided to call the Insurance (SWINTON) the next day to which I got a very obnoxious lady saying that I had agreed to the insurance. I told her I felt rail roaded into it for her ringing me up at tea time and they shouldnt do that - she said well you shouldnt have given your number out then, I have worked here 16 years and we always ring our customers.
I am fuming - I said that I thought there would be a cooling off period when I could read through something I received in the post - she said there was NO cooling off period She now says she will charge me a £50.00 cancellation charge if I want to cancel it
Can they do this. I am thinking of just contacting my bank and cancelling any direct debits that are connected with Swinton
Anyone got any advice - as she is ringing me back with the taped conversation (I asked her to prove that I said please proceed with the insurance)
I am fuming - I said that I thought there would be a cooling off period when I could read through something I received in the post - she said there was NO cooling off period She now says she will charge me a £50.00 cancellation charge if I want to cancel it
Can they do this. I am thinking of just contacting my bank and cancelling any direct debits that are connected with Swinton
Anyone got any advice - as she is ringing me back with the taped conversation (I asked her to prove that I said please proceed with the insurance)
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Comments
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I told her I felt rail roaded into it for her ringing me up at tea time and they shouldnt do that
You should have told them it was inconvenient. Now it just looks like you are using it as an excuse.I said that I thought there would be a cooling off period when I could read through something I received in the post - she said there was NO cooling off period
There is a cooling off period but you incur charges. Its not a charge free cooling off period.Can they do this.
Yes. You agreed for them to do it.Anyone got any advice - as she is ringing me back with the taped conversation (I asked her to prove that I said please proceed with the insurance)
Wait until they have heard the tape to see what it says. Generically, they havent done anything wrong. So, unless you get lucky and the call was flawed then you are reliant on their goodwill.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Last night around teatime I had a call from my insurance company saying my insurance on my van was due again on 15th February and they coudl now do it cheaper via commercial insurance (I only use it for commuting its not for business). The quoted me at around £34.00 per month which I have been paying £38.00 - so thought that was ok. She went through the premiums etc and then said something on the lines of - are you happy with that - to which I replied yes seems ok to me. After I got off the phone - OH said why dont you just check online and see how much cheaper - £18.00 per month or thereabouts. I decided to call the Insurance (SWINTON) the next day to which I got a very obnoxious lady saying that I had agreed to the insurance. I told her I felt rail roaded into it for her ringing me up at tea time and they shouldnt do that - she said well you shouldnt have given your number out then, I have worked here 16 years and we always ring our customers.
I am fuming - I said that I thought there would be a cooling off period when I could read through something I received in the post - she said there was NO cooling off period She now says she will charge me a £50.00 cancellation charge if I want to cancel it
Can they do this. I am thinking of just contacting my bank and cancelling any direct debits that are connected with Swinton
Anyone got any advice - as she is ringing me back with the taped conversation (I asked her to prove that I said please proceed with the insurance)
Two issues:
1) Did you accept the quote - the taped conversation can confirm whether this was the case. You can submit a Data Subject Access Request to obtain a copy of it yourself if necessary.
2) If the quote was accepted - then you are entitled to a cooling-off period. The period is 14 days from receipt of the policy documents. However, cancellation fees can still be applied during the cooling-off period.
Don't just cancel the DDs - this will cancel the method of payment but will not cancel the contract nor will it resolve the other issues you are experiencing.0 -
There is a cooling off period. Use it to cancel. Then make a written complaint to their head office. Make sure you mention her name."Never underestimate the mindless force of a government bureaucracyseeking to expand its power, dominion and budget"Jay Stanley, American Civil Liberties Union.0
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ive been gubbed by swinton in the past....
wouldnt even take a free cover of themPromo codes are never always cheaper..... isnt that right EuropCar?0 -
another avenue worth looking at is whether commercial insurance gives the correct cover given your use is non commercial0
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another avenue worth looking at is whether commercial insurance gives the correct cover given your use is non commercial
If they have sold you an unsuitable policy which is not that rare eg you are not self employed etc then a complaint could sort it out and hopefully sort out the employee who would need extra training0
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