shafted!

Avoriaz

katesmommy wrote: »

No all she would say is it is high risk, possibly they have had a lot of claims there?

I moved from a cul-de-sac in a quiet suburb in the west midlands to a normal road in another suburb of Birmingham, but it's not a main road, not high crime, in fact it's full of pensioners!

That is why it is considered high risk.

:whistle:

Nerja_2

Did you keep a copy of the letter you sent or proof of postage?

katesmommy

yes I have, and I told them this - they told me it makes no difference, all they would have done if they got the letter would be to call me and ask for payment.

They've also told me the garage will take my car away to repair and provide me with a courtesy car, and that I need to pay my excess to the garage (£400) does that sound right? Do I pay the full excess even if the repairs are 1p?

Sgt_Pepper_2

katesmommy wrote: »

yes I have, and I told them this - they told me it makes no difference, all they would have done if they got the letter would be to call me and ask for payment.

They've also told me the garage will take my car away to repair and provide me with a courtesy car, and that I need to pay my excess to the garage (£400) does that sound right? Do I pay the full excess even if the repairs are 1p?

Yes, you need to pay the garage the excess. It won't be less than £400 tho will it?

katesmommy

I'm not sure, it's a new bumper, grill and possibly bonnet with a respray (metallic paint)

Nerja_2

katesmommy wrote: »

yes I have, and I told them this - they told me it makes no difference, all they would have done if they got the letter would be to call me and ask for payment.

I don't think they can get away with that. You wrote to them with your new address - its not your fault they didn't get or process the letter.

If I were you rather than relying on us lot making guesses, I would phone the regulator and ask them if you need to pay the new premium or you will not be covered.

I can't post links but google the "financial obmudsman service", they are the regulator and their number is on the site.

scheming_gypsy

With regards to the policy increase.. how old are you?
could it be that when it's been recalculated you've somehow been hit with an increase because of the gender doodah thingymebob?

katesmommy

Hiya

I am 25 (well, 26 next week), been driving since 17. This increase is til the end of the policy year, I've already paid the year in advance (about £570 ish fully comp) the additional £580 is literally for the remaining 7 mths of the policy because I moved.

vaio

you need to pay it but I'd also run some dummy quote with the firm to check that the extra premium is broadly in line with what they would quote a new customer.

If it isn't then they are unfairly taking advantage of your captive customer status and you should complain & refer to the FOS if they don't see sense

warwicktiger

I think what they're saying is as you hadn't informed them of your change in address 2 weeks ago, any claim since then could be voided.

Too true, you could have had the claim voided as you failed to notify change of address, which will be in the terms and conditions