Unaware Car Insurance Was Cancelled

katcris

dacouch wrote: »

Do you have any evidence that the cancellation notice must be sent in the post and that it must be signed?

The RTA specifically states a policyholder must return a certificate within seven days of cancellation or send a stat dec or send an email confirming the certificate has been destroyed. Whether there's a punishment for not carrying this out I've never seen anything actioned

It doesn't mention post or e-mail in their handbook it states: "We can cancel this policy by sending you 7 days notice to your last known address. You must then return your Certificate of Motor Insurance, as it's an offence under the Road Traffic Act not to do so" When I quoted this to them, they said my e-mail address was what I set up although they also have my home address. When setting up the policy you have the option to have your policy either e-mailed or posted, I asked for it to be e-mailed, it doesn't state anywhere once you request it that way then that's the address they use for everything else.

vaio

Given the consequences of a cancelled policy I'd certainly be complaining that service by email isn't valid, especially as they used post to remind you about the NCB which was after all, the first stage in the process.

I'd send the complaint by post and if you are still unhappy with their response then you can refer it to the FOS

katcris

I contacted Tesco Bank this morning to get the address for their CEO, I was informed it is against their company policy to give the address and I should e-mail his PA. I done this and received a reply, my complaint will be fully investigated by their Executive Complaints Team and I will be written to no later than 24th September. This afternoon my daughter received a voicemail from an Insurance Co. to call them back regarding the accident, I don't know where we stand now or where this will lead, I am now in a state of panic.

vaio

nothing to panic about, write your complaint and let it take its course, if you still aren't happy with the result then you can escalate to the FOS.

If the accident wasn't your daughter fault then you can launch a claim directly against the at fault driver.

katcris

I can't ignore the other insurance company, don't know if it's the driver at the front or the 1 at the back's insurance. I need to phone them back, then what will happen if they find out we weren't insured? Don't know what to say to them. Do the police then get involved? Didn't think I could claim the driver at the back because legally we shouldn't have been on the road.

Buzby

You will need to handle the car in front's insurers and settle their claim irrespective of what else happens. The wisdom of this is she stopped too close to the car in front, and even though she was pushed it remains her responsibility.

Quentin

Buzby wrote: »

You will need to handle the car in front's insurers and settle their claim irrespective of what else happens. The wisdom of this is she stopped too close to the car in front, and even though she was pushed it remains her responsibility.

This is incorrect advice.

If the car in the middle is pushed into the car in front by the car behind, then the car at the back is liable for both cars damaged.

rs65

Buzby wrote: »

You will need to handle the car in front's insurers and settle their claim irrespective of what else happens. The wisdom of this is she stopped too close to the car in front, and even though she was pushed it remains her responsibility.

So, exactly how much of a gap should you leave for it not to be her responsibility?

katcris

vaio wrote: »

nothing to panic about, write your complaint and let it take its course, if you still aren't happy with the result then you can escalate to the FOS.

If the accident wasn't your daughter fault then you can launch a claim directly against the at fault driver.

Would I still be able to make a claim, when legally she shouldn't have been on the road? Would they not refuse? The Insurance Co of the driver at the front are now wanting our details, I can see this getting messy now

vaio

your insurance status has no effect on your ability to claim if you aren't at fault.

How's the complaint going?