Cancellation fees

jem16

Donna.C wrote: »

I didnt want to change insurers, they forced my hand by not insuring a modified car.

Did you phone your insurers to check if they would insure your car before you chose the new car?

I can't see the problem though. You agreed to a contract with the insurer to insure a specific car for a year. You broke the terms of that contract by changing your car so it was you and not the insurer that forced the cancellation.

If the insurer had agreed to take on your new car, you would have had to pay an amendment fee which was likely to be very similar to the cancellation fee you were charged.

Donna.C_2

If I had phoned them then I would have known wouldn't I?

and dunstonh, patronising AND condescending, two really helpful qualities, keep up the good work

jem16

Donna.C wrote: »

If I had phoned them then I would have known wouldn't I?

Yes you would have and it would have saved all this anger you have built up as you would have been able to make an informed decision of whether or not to go for a modified car that your insurer wouldn't insure or even to wait until your renewal date before buying the new car.

Most times an insurer will simply change your car details over with an amendment fee but you shouldn't assume.

and dunstonh, patronising AND condescending, two really helpful qualities, keep up the good work

Donna I can't see anything wrong with dunstonh's original reply to you. There was nothing patronising about it at all.

Donna.C_2

wow, all so full of opinions on here!!

Life isnt always black and white, I didnt choose this particular time to buy a new car, it was my sons old car and 5 years newer than mine and the insurance thing wasn't even an issue til I came to change it, and if I wanted to wait til renewal that would have been next April!

so thanks for all your helpful comments, I think next time I'll keep schtum....

mikey72

Did Swiftcover give you a pro rata refund for the cover. If so, why didn't they take the cancellation fee off the refund.
Did you pay monthly or annually?
What were the mods?

jem16

Donna.C wrote: »

wow, all so full of opinions on here!!

That surely is what an Internet forum is about - opinions.

Life isnt always black and white, I didnt choose this particular time to buy a new car, it was my sons old car and 5 years newer than mine and the insurance thing wasn't even an issue til I came to change it, and if I wanted to wait til renewal that would have been next April!

No life isn't black and white but it is shades of grey. You wanted the car, you didn't want to wait until April - fair enough. Now you have to accept that your insurer also has a choice to insure your new car or not.

so thanks for all your helpful comments, I think next time I'll keep schtum....

So what you really mean is that you only want comments that agree with your way of thinking?

dunstonh

so thanks for all your helpful comments, I think next time I'll keep schtum....

Next time read the details about the products you are buying. Then you wont make the same mistake. This goes for any product. Not just car insurance.

wow, all so full of opinions on here!!

This is a discussion board. That is what it is about. You seem to only want opinions that match yours and hit out at those that don't agree with you. People have a choice in life; learn and understand or remain ignorant.

anniecave

Any changes to a policy can be problematic

I moved house a few years ago and the car insurance provider couldn't insure me at my new address as it was a higher risk

I hadn't even thought about the implications of changing address on car insurance up until that point, I'd assumed that the bulk of the premium would be made up my individual risk and what car it was, so where I actually lived wouldn't make much difference.. I was wrong!