Mistake on car insurance application - enormous charges

Smithers37

DELETED USER wrote:

If they are being bolshy about it contact the ombudsman. It's doubtful they could justify such a massive price hike. It might take a while but chances are they will be slapped down. Diamond are somewhat notorious for this kind of thing.

What is it with this bad advice of contacting the ombudsman. Do you even know what the ombudsman does? The OP is better off speaking to an advisor. THEN, if it's justified, put in a complaint through the company. If they don't respond to the complaint within 8 weeks, only THEN do you contact the ombudsman.

KatieDee

Cancelled and only had to pay £25, which was a bit of a relief.

Now on the hunt for more insurance...prices seem to have increased since yesterday, but I just have one quick question!

I work in housing for a local authority but I am only required to visit tenants one day a week. For the rest of the time, I am office based, advising tenants on their rights, speaking to them about their arrears and offering them various types of support. Bit of a mixed bag really.

I have noticed that the difference being a "Housing Officer" and "Rent Officer" (neither of which I would call myself), compared to Customer Service Advisor is around £120 a year!

Can I justify calling myself a CSA or is this likely to cause issues if I do come to claim? I don't mean to be untruthful but it all seems so trivial.

My actual title, as per my contact, is Housing Income Advisor (see, bit of everything there!).

dacouch

Try local government office

KatieDee

dacouch wrote: »

Try local government office

Tried this and it knocked a lot off my quote!

Do people think this is an accurate job title? I am a local government officer in a way! I just don't want to lie...

jonesMUFCforever

Surely if you visit clients for your job they should pay the proportion of your insurance if you have to use your own vehicle. Otherwise ask them to provide transport.

Aretnap

jonesMUFCforever wrote: »

Surely if you visit clients for your job they should pay the proportion of your insurance if you have to use your own vehicle. Otherwise ask them to provide transport.

Insurance costs are (supposed to be) included in the 40p a mile, or whatever it is you can claim for business mileage these days.

On a related point, to the OP - just in case you don't know (a lot of people seem not to) if you use the car to visit tenants it's essential that you get a policy which covers business use. Usually adding business cover will add little or nothing to your premium, but if you don't you could find yourself uninsured in the event of an accident, or having your car seized if you happen to get stopped by the police on our way to visit a tenant.

Buzby

Agreed - SDP will not be sufficient if you drive to see ANY client. Cover for commuting will not be relevant either.

oscarward

Not sure which Council you work for OP but my wife is an ICT manager in the local council and always classifies herself as a local govt officer for insurance purposes. Never had any issues with that.

Also her authority won't pay mileage claims unless you produce an insurance cert showing business use included.

Aquamania

KatieDee wrote: »

I completed an online quote with Diamond through an online broker, checked all my details before purchasing and even confirmed the details online with Diamond before purchasing it....

KatieDee wrote: »

Cancelled and only had to pay £25, which was a bit of a relief...

So what was their excuse for not honouring the quotation they had previously confirmed with you? :huh:

greyteam1959

Should there not have been a 'cooling off' period of 14 days ???