Car insurance part time work

gymchick

My daughter had her car hit by a neighbour while parked in the car park at home, neighbour told her straight away and insurance sorting it out. all ok great but my daughters insurance company are now charging her £70 to change her policy details as they have her down as working part time and she told them she works 24 hours which they say is full time can't believe they can get away with this told her nothing she can do but pay it makes me so cross, anyone heard of this before?

Quentin

Complain.

And ask for a refund!

gymchick

Tried complaining they are not interested said its a admin fee to change policy and won't budge she won't be going with them again

Quentin

Do a formal complaint in writing. See the policy for details of their complaints procedure.

You can then escalate to the FOS for their adjudication at no cost to you.

It will be a surprise if they come down on the side of the insurer and agree 24 hours a week = a full time job!!

gymchick

Ok thanks Quentin will get her to give this a go

sithemadmonkey

At least one insurer I used to work for said that anything over 16 hours per week counted (in their eyes at least) as 'full time'. Not saying I agree with this, but it seems to be fairly ubiquitous across the industry.

Go on the insurer's website (or wherever it was you took out the policy) and see if there's any help text on the question that could back up your argument. It may have changed since you took out the insurance, but it's a place to start. As Quentin said, give the official complaints route a go (and threaten to go to FOS), they may well write it off to make you go away. Complaints cost them money (especially FOS ones), so it's often cheaper to just pay you off.

Good luck!

rev_henry

If they haven't explicitly said 'anything over X hours/week is full time' when asking the question when she took out the policy I very much doubt they have a leg to stand on. Complaints procedure then FOS.