Driving with no insurance

jo-lo123

Letter arrived yesterday from go girl,
Further to our letter of the 11th February we note we haven't received a reply from you. We attach a letter of indemnity to provide insurance cover for the day you were stopped by the police on the 30th January and suggest that you forward this to the appropriate authorities.
We confirm we are still prepared to offer you £110 as a gesture towards your impound and emergency cover costs and would require your confirmation of this in full and final settlement of your claim.
If we don't hear from you the under current financial ombudsman service rules go girl is required to advise you that this letter is our final written response. Should you remain dissatisfied with our final response then you may within six months from the date of this letter refer your complaint to the financial ombudsman service.


Letter of indemnity is attached and states "a request was made by yourself to enquire about cancelling the policy but this was taken as a request To cancel and the policy was initially cancelled effective 23rd January. We are satisfied that you did not request cancellation and therefore have reinstated the policy up to the date the vehicle was covered by a new insurer on the 31st jan. Therefore as an insurer we are able to confirm that had an accident occurred on the 30th January whilst you were driving the vehicle for the use described then we would have provided indemnity subject to the terms conditions and exclusions of your policy"

We have handed these docs in to the police, the officer is supposed to phone us tonight when he comes on duty.

Does the first part of the letter read as if we have only the option of accepting the £110 offer or going to the fos? I wanted to try and see if they would give us full costs inc canc charges as they have basically admitted they were wrong. Very surprised that they have sent this without prompting.

bazzyb

jo-lo123 wrote: »

We are satisfied that you did not request cancellation

This indicates that they are accepting the mistake is theirs - no ambiguity here. I would push for more, especially as you now have the indemnity letter.

dacouch

bazzyb wrote: »

This indicates that they are accepting the mistake is theirs - no ambiguity here. I would push for more, especially as you now have the indemnity letter.

The letter basically says it's their final offer unless you go to the Ombudsman who may or may not award more. The Ombudsman will probably award more but it's not an exact science and the Ombudsman works at about the same speed as continental drift

If you go to the Ombudsman, the Insurer can withdraw their offer.

Mike0408

i havent read all the posts so dont know if you have done this already or not, but perhaps posting a copy of the email on here for us to look at would be more helpfull so we know the exact wording of the email (just dont include stuff like policy number/name and address).

but the way i see it is that your daughter told them to cancel the insurance and the insurance did what was asked of them, if they didn't do what was asked of them, then they are breaking the law.
as for they not telling you, i do not know if they need to or not, but i would have thought it would be at least company policy to send a confirmation email saying that it was canceled.

ANOTHER way you MIGHT be able to get around it is if she has some kind of disability like dyslexia where reading and writing isn't their strong point and you could play on her disability. you CANNOT say someone else sent the email or anything as a court see's it as YOUR computer YOUR responsibility.

but like i said and copy of the email posted on here would be more helpfull

Mike0408

jo-lo123 wrote: »

Letter arrived yesterday from go girl,
Further to our letter of the 11th February we note we haven't received a reply from you. We attach a letter of indemnity to provide insurance cover for the day you were stopped by the police on the 30th January and suggest that you forward this to the appropriate authorities.
We confirm we are still prepared to offer you £110 as a gesture towards your impound and emergency cover costs and would require your confirmation of this in full and final settlement of your claim.
If we don't hear from you the under current financial ombudsman service rules go girl is required to advise you that this letter is our final written response. Should you remain dissatisfied with our final response then you may within six months from the date of this letter refer your complaint to the financial ombudsman service.


Letter of indemnity is attached and states "a request was made by yourself to enquire about cancelling the policy but this was taken as a request To cancel and the policy was initially cancelled effective 23rd January. We are satisfied that you did not request cancellation and therefore have reinstated the policy up to the date the vehicle was covered by a new insurer on the 31st jan. Therefore as an insurer we are able to confirm that had an accident occurred on the 30th January whilst you were driving the vehicle for the use described then we would have provided indemnity subject to the terms conditions and exclusions of your policy"

We have handed these docs in to the police, the officer is supposed to phone us tonight when he comes on duty.

Does the first part of the letter read as if we have only the option of accepting the £110 offer or going to the fos? I wanted to try and see if they would give us full costs inc canc charges as they have basically admitted they were wrong. Very surprised that they have sent this without prompting.

i should have read more of the posts lol, so disregard my last post .

if they are admiring the mistake then you can get the FULL amount of ANY costs in cured by their mistake.

DO NOT accept their offer if this IS NOT the full amount of the costs that was received by their mistake.

this is like getting brand new £600 flat screen TV and it breaking in a few days, you take it back and they are prepared to offer you a £50 TV (with the big bulky thing on the back) instead of the TV you already had as a replacement.

if i was you, phone them up and tell them they have admitted fault and their fault cost you £xxx amount and that you want the FULL amount off the costs, if they still refuse tell them you will follow their advice given to you on the letter and go to the financial ombudsman service.

financial ombudsman service do win ALLOT of cases against insurance companies (just look at watchdog) i think they win about 95% of cases against insurance companies.

but i would honestly go to financial ombudsman service if they are no help on the phone . you have a high chance of winning since they have admitted fault.

dacouch

Mike0408 wrote: »

if i was you, phone them up and tell them they have admitted fault and their fault cost you £xxx amount and that you want the FULL amount off the costs, if they still refuse tell them you will follow their advice given to you on the letter and go to the financial ombudsman service.

financial ombudsman service do win ALLOT of cases against insurance companies (just look at watchdog) i think they win about 95% of cases against insurance companies.

but i would honestly go to financial ombudsman service if they are no help on the phone . you have a high chance of winning since they have admitted fault.

The Insurers have issued their "Final Response" this is a formal letter that in effect means this is their full and final offer. Ringing them up or writing to them is highly unlikely to make them change their mind as before the letter was sent the decision would have been reviewed by a senior person.

That's not to say that it's not worth calling or writing to them as there's always the chance they may change their mind but it's is very very unlikely

The only way to overturn their decision is to go to the Ombudsman.

rs65

I would just write back and say - Thank you for your letter. I feel I am entitled to reimbursement of all costs incurred due to you incorrectly cancelling the policy. I will be referring the matter to the Ombudsman.

jonesMUFCforever

My personal opinion is take the offer and run!


The original e-mail sent to the company makes it 100% clear to me that OP had asked the policy to be cancelled.


If you go to the ombudsman there is a 50% chance that you lose.

Quentin

jonesMUFCforever wrote: »

.....The original e-mail sent to the company makes it 100% clear to me that OP had asked the policy to be cancelled.


If you go to the ombudsman there is a 50% chance that you lose.

Where do you get your 100% clarity from when the offending insurer states this (which in any case is far more relevant!):

We are satisfied that you did not request cancellation.....

And from where do you get that 50% chance?

jonesMUFCforever

Quentin wrote: »

Where do you get your 100% clarity from when the offending insurer states this (which in any case is far more relevant!):



And from where do you get that 50% chance?

This is her email, it's very bad and I don't think it gives her a leg to stand on. I think It is going to hinge on wether it is reasonable that she wasn't given notice of either the cancellation, or the charges they levied without notice. I'm not trying to say she didn't do it , she did, she made a huge mistake and there is no doubt about that. I'm looking for any tiny little thing that may help her that's all.

Hello, i am looking to cancel my car insurance with you, I currently have policy ref *****.

My reasons for wishing to cancel are based on current research. I am about to start a new job so therefore need to adjust my insurance to meet that. The adjustments will be adding 1000 miles annually, changing my occupation to check in services at an airport, taking my additional drivers off the insurance and including commuting in my insurance which has reduced my annual fee by up to £800 with numerous other companies, however when i have looked at go girl it has increased by around £70.
Regards

That is her e mail.
The Ombudsman will either side with her or the insurance company - that is a 50% chance is it not?