Quote me happy!!has any one used them before?

Quentin

NonGeographicalMan wrote: »

Obviously this is good advice but QuoteMeHappy uniquely seem to put people in an impossible position.....

It wasn't an "impossible" position at all. They cancelled his insurance and he therefore shouldn't drive until he had cover in place! (You can buy day cover if you urgently need to drive, but your advice to him to drive as the MID might not have been updated with the cancellation was plain irresponsible!)

NonGeographicalMan wrote:

In spite of the notice QuoteMeHappy have sent you telling you that your insurance is cancelled (it seems outrageous that they give no notice and don't give a final 7 day warning) it might not actually be cancelled yet in terms of what the Police see on their little computers in their cars etc or what DVLA see through their spy camera network around the country.

What would QMH say on response to his claim if he had a crash whilst driving uninsured irrespective of your wheeze that the police would accept the MID so he was ok?

To advise anyone to carry on driving when they know they have had their policy cancelled isn't the way to do it.

If you feel the insurer has acted incorrectly and you are unable to contact them, then take out alternative cover, then if subsequently you "win" your fight you can get the expense their error has put you to reimbursed.

NonGeographicalMan

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Quentin wrote: »

If you feel the insurer has acted incorrectly and you are unable to contact them, then take out alternative cover, then if subsequently you "win" your fight you can get the expense their error has put you to reimbursed.

The main point is that people should not be in this position to begin with and they are put in it purely because QMH uniquely make proof of bonus almost impossibly difficult to get accepted and then also give thoroughly deficient notice of impending cancellation of the policy bearing in mind that it is impossible to have any form of two way conversation with them about the issue.

Given their clearly self avowed "our customer service is even more non existent than Ryanair's" (yes even Ryanair have a phone number if your are prepared to pay 10p per minute on 0871 and perhaps wait half an hour to get through) position then they should have a way for the customer to deal with the cancellation for lack of proof of bonus issue by phone. That approach should surely be either that much longer is allowed to come up with the bonus or that where cancellation is threatened it can be postponed by payment of a further premium amount to cover the policy at gross rates (without bonus) until such time as the matter is resolved or alternatively the customer goes elsewhere.

To just cancel a policy on instant notice by a text message to a mobile number they have no reason to be sure is still working and in the possession of the customer is quite outrageous.

Your position seems to be that of Michael O'Leary viz "its a competitive market so we can be as unreasonable and badly behaved towards our customers as we like" even though he has lost in this battle with the UK and EU competition authorities more than once. And also your suggestion that QMH is happily going to pay for the cost of a policy the customer has to take elsewhere when they realise they have made a mistake simply stretches the bounds of all likely probability.

What is needed is for QuoteMeHappy to introduce a phone number to deal with these particular urgent problems where an insurance policy has been cancelled (they could refuse to take calls on any other customer service issue) even if is on an 0871 or 0906 number to discourage frivolous use.

I also strongly suspect you do not hold a policy with QuoteMeHappy yourself but that your 20,000+ posts in the forum in 3 months less of membership than me strongly suggests someone with a lot of free time on their hands and a clearly missed vocation as a wagging finger type school teacher.

Quentin

NonGeographicalMan wrote: »

[

The main point is that people should not be in this position to begin with and they are put in it purely because QMH uniquely make proof of bonus almost impossibly difficult to get accepted and then also give thoroughly deficient notice of impending cancellation of the policy bearing in mind that it is impossible to have any form of two way conversation with them about the issue.

Given their clearly self avowed "our customer service is even more non existent than Ryanair's" (yes even Ryanair have a phone number if your are prepared to pay 10p per minute on 0871 and perhaps wait half an hour to get through) position then they should have a way for the customer to deal with the cancellation for lack of proof of bonus issue by phone. That approach should surely be either that much longer is allowed to come up with the bonus or that where cancellation is threatened it can be postponed by payment of a further premium amount to cover the policy at gross rates (without bonus) until such time as the matter is resolved or alternatively the customer goes elsewhere.

To just cancel a policy on instant notice by a text message to a mobile number they have no reason to be sure is still working and in the possession of the customer is quite outrageous.

Your position seems to be that of Michael O'Leary viz "its a competitive market so we can be as unreasonable and badly behaved towards our customers as we like" even though he has lost in this battle with the UK and EU competition authorities more than once. And also your suggestion that QMH is happily going to pay for the cost of a policy the customer has to take elsewhere when they realise they have made a mistake simply stretches the bounds of all likely probability.

What is needed is for QuoteMeHappy to introduce a phone number to deal with these particular urgent problems where an insurance policy has been cancelled (they could refuse to take calls on any other customer service issue) even if is on an 0871 or 0906 number to discourage frivolous use.

I also strongly suspect you do not hold a policy with QuoteMeHappy yourself but that your 20,000+ posts in the forum in 3 months less of membership than me strongly suggests someone with a lot of free time on their hands and a clearly missed vocation as a wagging finger type school teacher.

My main point was to point out that your advice regarding carrying on driving after being told your policy has been cancelled was ill founded.

And if qmh do turn out to have acted improperly then of course they can be made to reimburse the costs their mistake has caused, and compensate their customer too for the inconvenience caused.

My post count v yours is irrelevant as is your unnecessary personal jibe at me.

Why not stand corrected and edit your post suggesting the poster should carry on driving even though he knows his cover has been cancelled or else offer to bail him out in the event he has an accident and has to pay all the costs himself if he follows your suggestion?

NonGeographicalMan

Quentin wrote: »

My post count v yours is irrelevant as is your unnecessary personal jibe at me.

You are clearly an arrogant and extremely small minded forum troll who's only apparent source of emotional satisfaction in life is picking small holes in other people's forum posts. After 18 or so years of using the internet such people are a small minority in any forum but always stand out by a mile when one comes across them.

The fact that you also quite unnecessarily repost the whole of my previous post rather than just the most salient points you are commenting on clearly shows a certain lack of respect for other forum users.

Why not stand corrected and edit your post

Conforming to type then I see by seeking to make up for the lack of authority you undoubtedly have over anyone else in the rest of your real life by seeking to demand it here as though you are a forum Policeman.

If you read my post in the round it was obvious that my post was intended to assist the OP as much as possible in the ghastly predicament they were placed in by their insurer. Of course that's a real world thing and you being a forum pedant won't appreciate the real world but only your potential opportunity to attempt to rip other forum posters to shreads as though you were actually the important barrister that you clearly seem to long to have been.

Unless of course you are perhaps a now not entirely fully employed motoring journalist and a former colleague of a certain Mr Jeremy Clarkson also called Quentin? I believe that he like a certain Mr Simon Rose (one time pundit on ITV's Formula 1 coverage) got the chop on the grounds of being too much of a self opinionated egghead and insufficiently "one of the boys"

Why don't you vent your spleen where its actually deserved against QuoteMeHappy rather than try to score small pedantic points off another forum member.

NonGeographicalMan

So guess what QuoteMeUseless say categorically on their website page at www.quotemehappy.com/need-help/I-haven%E2%80%99t-heard-about-my-renewal-what-shall-I-do that they email you to invite you to renew at least 28 days beforehand and provide a quote.

Today 27 days before my policy expires there is no renewal quote email sent to me and also if I log in manually to my account online there are no renewal quote policy documents etc shown anywhere at all.

Unfortunately not taking phone calls just seems to be taken as an excuse for not honouring any customer promise or pledge on Aviva/QuoteMeHappy's side. I bet when I do get a quote they will double the premium and I will then have to move elsewhere.

Lum

Call your bank or CC company and cancel any continuous charge authority for Aviva/QMH.

NonGeographicalMan

Lum wrote: »

Call your bank or CC company and cancel any continuous charge authority for Aviva/QMH.

I just checked with my online banking. As I pay in full annually (not monthly on credit provided by QMH) it was a debit card payment and not a direct debit. That surely means there is no continuous payment authority in effect and they would not be allowed to charge for another year's policy without my proactive agreement???

Or do QMH just chance using exactly the same debit card again as last year, like Admiral, under some hidden term or condition in their policy? Even though I have not proactively instructed them to renew it?

Lum

I have had other companies (e.g. RAC) charge a one-off annual fee and still set it up as a CCA to auto-renew in a year's time.

Given how scummy QMH are in every other aspect of their business I would be amazed if they hadn't done this. For the sake of a phone call it will be a lot less potential hassle, especially since, as you have discovered, they don't respond to emails so you'll be a long time getting your money back.

They will attempt to argue from the moral high ground if called on this, blathering on about how uninsured drivers cost each person eleventy-billion pounds a month and personally murder 76 children every day, and that's just while walking from their house to their car.

NonGeographicalMan

Lum wrote: »

For the sake of a phone call it will be a lot less potential hassle, especially since, as you have discovered, they don't respond to emails so you'll be a long time getting your money back.

What phone call is that then. As you surely know QMH do not take phone calls and as you surely also know Continuous Card Authorities can only be cancelled with the merchant who holds them. They do tend to respond to a combination of a post here and emails to a couple of the senior Aviva board members. They don't actually reply as such but you wanted to get done by them suddenly gets to the top of the queue and gets done...

Lum

You call your bank or credit card company who MUST cancel if asked.

http://www.moneysavingexpert.com/banking/recurring-payments#cancel Second option.

In June 2013, the Financial Conduct Authority reiterated banks MUST cancel a continuous payment authority when asked. It also added that if further payments are taken in error after a customer asks for a cancellation, the bank must refund them.