Insurance cancelled legitimately?

Charmwah

I'm not sure why you're trying to find holes in what i'm saying. What do I possibly stand to gain from providing false information on here, how can that help my situation? The instruction to "redirect my mail" is a case of semantics, nothing more.

InsideInsurance wrote: »

You wouldnt give them the instruction to "redirect your mail", you would inform them that you have changed address and update the records. You'd also have to deal with if your vehicle was being kept at your new address or being left behind at your old address going forward.

If you had done this then all letters would have gone to the new address for you and not the old one. Again if you did this before/ when you moved as you are now saying then again there is grounds for complaint because they didnt send you the notices. Your prior comment that they probably did send them but sent them to the old address doesnt tie up with this statement that you did inform them when you moved address.

Quentin

When you informed them of your change of address did you pay an admin fee for this (or did they confirm receipt of this change to your policy)?


Anything you have that shows they were aware of your new address will help you prove this is down to their poor admin and thus you should not be penalised.

InsideInsurance

Charmwah wrote: »

I'm not sure why you're trying to find holes in what i'm saying.

That it becomes both difficult and frustrating to try and provide free assistance/ recommendations when apparently the version of events keeps evolving which having contradictory elements in the account suggests it is.

Quentin

InsideInsurance wrote: »

That it becomes both difficult and frustrating to try and provide free assistance/ recommendations .......

No-one forces you to post here.


What would your normal charge be for providing your assistance/recommendations? (And do you guarantee refunds if/when it turns out to be incorrect?)

InsideInsurance

Quentin wrote: »

What would your normal charge be for providing your assistance/recommendations? (And do you guarantee refunds if it turns out to be incorrect?)

Charges are in line with the market average day rate and yes contracts do have indemnity clauses for defective advice along with a £2m PI policy to back it up.

Charmwah

That is a good question. I have kept all my correspondence so will comb through it all and see if I have confirmation. Thankyou.

Quentin wrote: »

When you informed them of your change of address did you pay an admin fee for this (or did they confirm receipt of this change to your policy)?


Anything you have that shows they were aware of your new address will help you prove this is down to their poor admin and thus you should not be penalised.

David_InsDef

You can submit a Subject Access Request to the insurance company under Section 7 of the Data Protection Act - this would allow you to request all information in their files / systems relating to you and your policy with them. That way you can see exactly what they've sent and when they sent it etc.

David_InsDef

InsideInsurance wrote: »

Charges are in line with the market average day rate and yes contracts do have indemnity clauses for defective advice along with a £2m PI policy to back it up.

Are you available for hire II?

Quentin

Charmwah wrote: »

Its a shame that i'm being classed as a 'bad debtor' when my credit history is exemplary. I'm being punished because of a vindictive ex, there seems to be no recourse for me, except to accept the unfairly high premiums for the ever after...

If it turns out that the cancellation is "legitimate" then although you will be stuck with it on your record for evermore, do see what a local broker can do at renewal.


Looking further forward, the Direct Line Group of insurers currently only require cancelled policies to be disclosed for 5 years, so if this policy continues forward then you would have some online "mainstream" insurers to be able to go to one of their insurers without having this "stain" to be disclosed after 3 years from now.

Charmwah

Thanks Quentin & David_InsDef. I'm going to send a request and see what it turns up.

Quentin wrote: »

If it turns out that the cancellation is "legitimate" then although you will be stuck with it on your record for evermore, do see what a local broker can do at renewal.


Looking further forward, the Direct Line Group of insurers currently only require cancelled policies to be disclosed for 5 years, so if this policy continues forward then you would have some online "mainstream" insurers to be able to go to one of their insurers without having this "stain" to be disclosed after 3 years from now.