Quote me happy text cancelling my car insurance!

magpiecottage

dunstonh wrote: »

However, I would ask QMH to confirm in writing that the cancellation was due to an error at their end and nothing to do with you and they are not treating it as a cancellation that needs to be declared. This should suffice going forward therefore allowing you not to say yes to the "have you ever had insurance cancelled..." box. Keep that letter safe. If they refuse, then you go to the FOS.

Send an e-mail to ukgiceo@aviva.co.uk

Tell them

1. You are dissatisfied that they cancelled the policy at all
2. You are dissatisfied that they should think it appropriate to cancel a policy by text rather than by post
3. That you are dissatisfied that they decided to take it upon themselves to send you an e-mail saying you were satisfied with their response when you manifestly were not
4. That you require them to write to you and your new insurer confirming that the policy was cancelled as a result of their error
5. That you require them to reimburse you for the additional cost of the replacement policy
6. That you require an undertaking to reimburse you for any additional excess you have to pay in the event of a claim
7. You require reimbursement of additional travel costs incurred as a result of finding yourself without cover
8. That you require redress for the distress and inconvenience you have been caused
9. If you do not receive a satisfactory response within eight weeks of the original complaint (tell them the date) then you will take the matter to the Financial Ombudsman Service.

dhobbs1978

I am having almost the identical problem. I was also charged £53 cancellation fee. Told it was cancelled because I had not uploaded my NCD despite the fact I have an email from them confirming it was uploaded and everything was fine. Emailed two email addresses and posted on their facebook wall last night as soon as it happened...now the following day 11.30am and still no repsonse. As far as I am concerned they have cancelled my policy for no reason and charged me for the pleasure. AVOID THIS COMPANY!!!! Left with no insurance and no way to contact them other than via email which they TRY to respond to within 24hours (their customer service team only work a 9-5 shift)
Not impressed at all!!!

vaio

What does your policy say about cancellation?

The ones I remember generally require 7 days notice in writing sent to your last address

vaio

SwitchedOn wrote: »

...... I spoke to the ombudsman who said that its a reasonable request to expect Quote me happy to reinstate my insurance and remove the cancellation........

dunstonh wrote: »

When you phone up you are not speaking to an adjudicator or ombudsman. The phone line is manned by unqualified individuals and is notorious for agreeing with everything someone says and assuming everything is wrong........

You do seem very keen to discourage people from contacting the FOS for advice and increasingly you seem to be belittling the ability & knowledge of the front line staff at the FOS.

Just how badly does an insurer have to behave before you'll accept what most people would regard as absolutely clear cut wrong doing?

dunstonh wrote: »

.....However, I would ask QMH to confirm in writing that the cancellation was due to an error at their end and nothing to do with you and they are not treating it as a cancellation that needs to be declared. This should suffice going forward therefore allowing you not to say yes to the "have you ever had insurance cancelled..." box. Keep that letter safe. If they refuse, then you go to the FOS.

This is wrong and dangerous advice and should be completely ignored. There is no way the opinion of QMH about whether a cancellation needs to be declared can be binding on any other insurer.

What the OP needs to do is get QMH to do what the "unqualified individuals" at the FOS (and pretty much everybody on here) advised......get the policy reinstated and the cancellation removed from his record.

mikey72

vaio wrote: »

You do seem very keen to discourage people from contacting the FOS for advice and increasingly you seem to be belittling the ability & knowledge of the front line staff at the FOS.

Just how badly does an insurer have to behave before you'll accept what most people would regard as absolutely clear cut wrong doing?



This is wrong and dangerous advice and should be completely ignored. There is no way the opinion of QMH about whether a cancellation needs to be declared can be binding on any other insurer.

What the OP needs to do is get QMH to do what the "unqualified individuals" at the FOS (and pretty much everybody on here) advised......get the policy reinstated and the cancellation removed from his record.

Definately.

The best result would be the original policy re-instated, and the cancellation removed.
The second policy would then need to be cancelled, and QMH should compenate for any costs incurred, and any out of pocket expenses, plus about £100 as a goodwill offer.

The FOS is the place to start this off.

dunstonh

You do seem very keen to discourage people from contacting the FOS for advice and increasingly you seem to be belittling the ability & knowledge of the front line staff at the FOS.

Absolutely right. And the other thread on the subject where two other individuals with experience on this matter agreed with that too. Yet you, who has no experience on this matter, wish to offer a different opinion. Fair enough if you want to waste your time.

Just how badly does an insurer have to behave before you'll accept what most people would regard as absolutely clear cut wrong doing?

I am beginning to suspect you dont actually understand what the FOS does and how it works. I suggest you read up on what it does. Maybe you will then understand why you are getting these responses.

This is wrong and dangerous advice and should be completely ignored.

It is not rubbish. If the insurer says in writing that this is not classed as a cancellation by the insurer then they have documentary evidence of such.

mikey72

dunstonh wrote: »

Absolutely right. And the other thread on the subject where two other individuals with experience on this matter agreed with that too. Yet you, who has no experience on this matter, wish to offer a different opinion. Fair enough if you want to waste your time.



I am beginning to suspect you dont actually understand what the FOS does and how it works. I suggest you read up on what it does. Maybe you will then understand why you are getting these responses.



It is not rubbish. If the insurer says in writing that this is not classed as a cancellation by the insurer then they have documentary evidence of such.

Considering how much time has been wasted by the insurers messing the customer around, one more (free) phone call doesn't seen that significant in the grand scheme.

And faced with several posts on here after an initial call to the FOS, then when an informal call from the FOS to the insurer appears to have had the desired effect, it seems more pointless to discourage early contact with each post you make.

Again, the informal complaint appears to focus the insurer on the fact the customer can't be quickly fobbed off, and simply told there is nothing that can be done, and indeed seems to send them down the correct route at a much earlier stage.

Surely as an insurance advocate, it would be better for you to suggest keeping it informal, then the insurer wouldn't have to face the eventual charge when the formal complaint is made?

vaio

dunstonh wrote: »

........It is not rubbish. If the insurer says in writing that this is not classed as a cancellation by the insurer then they have documentary evidence of such.

Now you are wriggling, saying "If the insurer says in writing that this is not classed as a cancellation by the insurer then they have documentary evidence of such"

whereas your previous (dangerous/rubbish) pronouncement said "I would ask QMH to confirm in writing that the cancellation was due to an error at their end and nothing to do with you and they are not treating it as a cancellation that needs to be declared."

As before, the opinion of QMH as to whether a cancellation needs to be declared to a different company is not binding on any other insurer.

Insurance law is an exact thing based on facts and if the OP is asked "have you ever had an insurance policy cancelled?" then the facts (backed up by the database) are that he has and so to answer "no" to the question would be dishonest and the opinion of QMH (or you or me) that it doesn't need to be declared is worthless.

Your later pronouncement that the OP should get a letter stating "this is not classed as a cancellation by the insurer" is better but still pretty worthless as that wouldn't reflect the facts or the the database record which would still show it as a cancellation by the insurer.

The only real way of resolving it is for the insurer to rescind the cancellation, reinstate the policy and update the database to reflect that.

dc2012

Hi All,

hope someone can give me some advice.

I bought car insurance through "quote me happy" use the term losely...

Paid for a monthly plan and paid an innital £116.42 with my 10 monthly payments for the remainder being £63.89.

TOTAL policy price £755.32

Had notification by text that i needed to upload my NCB, which i did, received nothing back until I received a text message saying my policy had been cancelled and to check my junk mail, which i did and found an email from them saying my NCB has not been accepted as it did not show the insurers name at the top.

My father had had a heart attack they were not the top of my priority so reluctantly had to accept the fact it had been cancelled and they would charge me a cancellation fee. Instead they charged me the next months rate.

So therefore for i have paid £180.31 total for 1 months worth of cover.

My insurance has been confirmed as cancelled

My issue is i think i should be owed a refund

my total was £755.32 for the year

1 month insurance + cancellation cover comes to £115.94,

normally a cancelled policy if they have charged you for the month but you haven't received that months cover you receive a refund. I haven not.

Your help is much appreciated

Quentin

Ask them to itemise the charges and take it from their reply. (As you were paying on the drip there may be early redemption charges as well as their cancellation fee to pay)

You now have a cancelled policy on your history which you have to disclose for ever, meaning getting cover in future will be difficult and probably expensive so you may want to consider trying to get them to reinstate it!