Help for my girlfriend

Tetley_the_Cat

Quentin wrote: »

Though continuous insurance requirements mean that you must SORN the car, (and then hope it doesn't get stolen/catch fire etc whilst no insurance cover is in place!)

But you can SORN the car and have fire and theft insurance.

Thing is the monthly premiums arn't affordable so you might as well take the car off the road. As said before, you cannot be persued for something you have not had the benefit for.

Tell them that. Provided you are upto date with the premiums just cancel it. There is b****r all they can do about it and they know it if you hold your ground.

For gawds sake don't come back and say there is a claim pending as that will hit the fan!!

Quentin

Tetley_the_Cat wrote: »

But you can SORN the car and have fire and theft insurance.

You can, but you would have to pay for it!

(The issue of "suspending" the policy was your suggestion to the OP as a way out of not having to pay the cancellation charge!) I was pointing out that "suspending" cover still means it has to be paid for, (and would only result in any refund once the suspension ended).

Provided you are upto date with the premiums just cancel it. There is b****r all they can do about it and they know it if you hold your ground.

They would withold the NCD proof, pursue for the money, ruin credit files, use debt collectors/court action etc.

Tetley_the_Cat

Ok then to make it simple.

Post the question on the consumer action group web site and see the response.

They cannot pursue for anything you have not had the benefit of and that the termination charges are not a true reflection of what is involved.

They cannot refer a cancellation charge under question to a DCA either.

Notmyrealname

With most insurers when you pay monthly you actually take out a 12 month loan agreement....

aggypanthus

Cancel DD.. non payment on your side ends the contract, read about this on there terms.. i messed up life ins by mistake once, they cancelled and didnt charge me any more, the cover simply ended.

kittycatface

I had a similar problem with Admiral who tried to charge me £80 for a change of address on my policy. it seems from the figures they are not asking for the full repayment of the year's instalments, which is interesting and I think leaves you room to question the size of the fee which will only be large at their discretion. Check the small print, call aviva (dont use 0845 numbers go through saynoto0870.com cheaper) and ask to speak to a supervisor. I pointed out to Admiral that they were essentially charging me £80 in order to be emailed two bits of paper which did not constitute a fair charge. They waived it. Companies should in my view, not just quote random "admin fees" down the phone but should as a matter of course provide a written breakdown. Cancelling a policy their end probably involved two clicks of a mouse! Explain her financial situation and that she has every intention of re signing with aviva in future:) as long as they provide excellent and fair customer service this time. They are losing a customer but not for life. say unless you can come to an agreement today then she will cancel dd which is not what they want. Say you will follow up with letter to clarify and you expect them to do the same. If you are friendly and firm I think it will get results. good luck

Quentin

aggypanthus wrote: »

Cancel DD.. non payment on your side ends the contract, read about this on there terms.. i messed up life ins by mistake once, they cancelled and didnt charge me any more, the cover simply ended.

This is poor advice.

Cancelling a dd for a motor policy does not "end" the contract!

The contract cannot simply be ended by defaulting!

If you do this, then expect serious consequences.

eslick

aggypanthus wrote: »

Cancel DD.. non payment on your side ends the contract, read about this on there terms.. i messed up life ins by mistake once, they cancelled and didnt charge me any more, the cover simply ended.

life insurance is completely different, as you said if you read the terms it clearly states in them that the policy ends, however for car insurance its not like that.

From aviva site
"Alternatively, if you wish to do so and if the insurance cover has already started, you will be entitled to a refund of the premium paid, subject to a deduction for the time for which you have been covered calculated as a proportion of the time for which the insurance would have provided cover and an administration fee of £52.50 (including Insurance Premium Tax at the appropriate rate) to cover any costs incurred by us in issuing the policy."