How thick are Budget Car Insurance?

dacouch

Paul have a read of Section 147 of RTA which will help you with your dealings with Budget as it outlines how you can instruct Budget to cancel.

Assuming you follow 147 then Budget would no longer be liable (Except in fairly unusual circumstances) and should thus be able to cancel

photome

Seems a crazy situation to me

I can understand why an insurer would want a certificate of insurnace back if they had sent one through the post.

One that is only sent via email could be printed as many times as you want or not at all, so what benefit is there to returning a hard copy.

As for physically needing a hard copy, its unlikely these days but if needed one could be printed off at the time of need

fishpond

Got it in one:beer:

[Deleted User]

Quentin wrote: »

They won't action the cancellation till you resolve this.

This means you're still paying for cover you don't need, and any refund due will be reducing (or any charges due for cancelling will be increasing)!

Have now managed to get some sense from a nice lady at budget and explained the situation at last. Shes now sent me an email to reply to say that I dont have any copies of the certificate.

BTW - in terms of cancellation date, I have got a letter stating date/time of cancellation anyway so any refund is going to be from there.

[Deleted User]

keith1950 wrote: »

When you buy the policy you print out the certificate in case you need it.

You don't wait until the policy has been cancelled.

Horse and stable door spring to mind!

Keith - seriously have you got nothing better to do than pick arguments and disagree with everything?

The insurers chose to do it all online, not me. I don't mind - if I need the certificate I will print it out. Its cancelled I no longer need the certificate.

Remember its the insurers who are asking me to return a non-existent certificate. Can't remember seeing in the t+cs that I must print out a physical copy so I can return it if needs be.

spacey2012

The certificate is a bond, whilst you hold it in physical form you have protection.
As you have found it, online it can vanish.
The law might not keep pace, but it is the law and if you get in the brown stuff and can not produce it and they wont let you have a copy as the one stored online has vanished, you are in real trouble.
If you hold the physical certificate, they have to prove service of a 7 day notice to cancel that certificate, store it online and it can vanish when they cancel it, as it has here.

Print + save or take the chances that come with not having it, such as back dated claims against you.

[Deleted User]

Mobeer wrote: »

I sympathise with OP. My insurance company wanted me to return my 2012-13 insurance certificate when my 2011-12 cover had expired and I had chosen not to renew. I also would have had to printed a document just to return it - if they want it so much, why don't they print a copy?

Exactly, they're the ones who choose to do it all online but the can't cope.

I could print out 1000 copies and sent it every address in my town but the insurers still want their one copy in the post. pointless.

[Deleted User]

dacouch wrote: »

If you are in possession of a Certificate of Insurance that has not been cancelled, the Road Traffic Act means you're in possession of a "relevant" Certificate.

One reason would be the following case which you would not be able to do without being able to produce a physical Certificate.

http://www.casecheck.co.uk/Default.aspx?tabid=1184&EntryID=17385

As above. Perhaps a compulsory house search should be in order in case you've been naughty and printed out 2 copies!

Im sorry but insurers choose to do it online they should at least have thought about how to deal with things like this.

Johnny_Barnes10

Although done online I always print a few copies of my certificate. Just for peace of mind, can never be too sure things won't be accessible even while policy is still active!

spacey2012

The Other point is the FSA will uphold any complaint against an insurance company who refuse to refund unless you return the certificate.
It is not cancelled as such, it is ceased.
For the period it was in force you would have cover against and claims arising.
(example, you backed in to my car last june, only just got the rest of your registration number)
If they have ceased cover they should not need the certificate back, it is a bond that proves you had cover at that time.
They certainly would not get mine back.
I paid for insurance, I want proof I had it, the certificate is that proof.