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Help please Car insurance company error got car impounded

Jojo1606
Jojo1606 Posts: 1 Newbie
in Insurance & life assurance
Can anyone offer any advice please, my husband was driving home from work at tonight and got stopped by the police for having no insurance. We bought the car on 20th September and called the insurance company the same day to swap over the insurance and have paid them (one quote direct) every month since by direct debit. Our phone records show we called them on the 20th, they charged an admin fee to our bank on the 20th and our monthly payment was increased every month after matching what they said. However the police have said it is not showing as insured and have impounded the car and we have to pay £200 to get it back. The insurance company are saying we never switched the policy over and have been paying insurance for the last 4 months on the old car and the admin fee and increased payment are due to us upgrading the old car insurance to fully comp (the day we sold it) help I don't know what to do

Comments

  • GwylimT
    GwylimT Posts: 6,530 Forumite
    1,000 Posts Combo Breaker
    Your insurance company will have a recording of your phone conversation, surely you checked your policy documents after your insurance change?
  • InsideInsurance
    InsideInsurance Posts: 22,460 Forumite
    10,000 Posts Combo Breaker
    Log a complaint with them including asking for a copy of or transcript of the said call. Escalate to the FOS if you arent happy with their response.
  • cajef
    cajef Posts: 6,283 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    You should have received a new insurance schedule and Certificate of Insurance for the new vehicle when you informed them of the change of car, did you get them?
  • agrinnall
    agrinnall Posts: 23,344 Forumite
    10,000 Posts Combo Breaker
    cajef wrote: »
    You should have received a new insurance schedule and Certificate of Insurance for the new vehicle when you informed them of the change of car, did you get them?

    This, if you didn't get them then you should have chased it up. It's your responsibility to ensure you are insured.
  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    they will sort it if what you say happened was corect, they will have a indemnity policy to cover this type also
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
This discussion has been closed.
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