Ruthless Car Insurance BISL Beware!

Pinkpyjama

Thank you again and all of you are correct in trying the FOS first.
I'm hoping (am I being naive?) that somebody will see common sense and end this with me cancelling the policy not them. There is a big difference between the two going forward as I'm sure you all know.
The letter of NCD just says date of policy cancelled which is a start in my favour hopefully.
There has been some much needed excellent advice here and I hope my gratitude has been clear. Forgive me in that it seems my emotions are still a bit raw. They'll be well under control by the time it's needed!

Quentin

Pinkpyjama wrote: »

I'm hoping (am I being naive?) that somebody will see common sense and end this with me cancelling the policy not them.

The wording on your ncd letter is irrelevant to the issue as the cancellation will now be registered against you on the shared database.

Your objective should not just be them allowing you to cancel.

You need the cancellation reversing (and a letter from them confirming this)

RS2000.

Quentin wrote: »

The wording on your ncd letter is irrelevant to the issue as the cancellation will now be registered against you on the shared database.

Your objective should not just be them allowing you to cancel.

You need the cancellation reversing (and a letter from them confirming this)

I take it without this letter he'd have to declare the cancellation for all insurance, home, life, holiday etc and not just motor insurance?

Quentin

Not necessarily every form of insurance but certainly some lines eg home do often ask a question along the lines of "have you or anyone to be covered ever had an insurance policy cancelled/refused renewal etc"

Pinkpyjama

Thanks Quentin again for the advice.
RS2000 that is precisely why I am as perturbed by all this.

RS2000.

In the meantime I'd check the wording on any other policies you have with regards to this.

Iceweasel

Pinkpjama - do you know exactly what time your policy was cancelled?

You phoned and they wanted to cancel it immediately - can they do that - I thought they had to notify you and that there was a timescale for that.

They said that it would be held open until midnight that that day.

You then phoned again and was told that it was already cancelled - could they have meant from midnight - or did they mean cancelled from your previous phone call?

I think you need the exact time that it was cancelled in order to remove any ambiguity and so be able to make a much stronger complaint, regarding that particular aspect of this unfortunate situation.

Astronaughtwannabe

RS2000. wrote: »

Their arguement will be that you entered into a contract with them and agreed to inform them of any changes to the insured risk.

You didn't inform them of what they considered to be a material fact and as a result they told you that they have a right to cancel the policy.

If I were you I would exhaust their complaints procedure then seek proper legal advice.

And how is an incident after policy inception a material fact?


I doubt that it would be considered a core term and is therefore subject to the UTCCR?


Insurers (and many other corporates) no doubts put lots of guff in their contracts but it doesn't necessarily mean they binding terms.


Unfortunately it means these terms have to be tested, but at least that leaves the door open for the OP

dacouch

Insurers are exempt from the UTCCR

RS2000.

Astronaughtwannabe wrote: »

And how is an incident after policy inception a material fact?


I doubt that it would be considered a core term and is therefore subject to the UTCCR?


Insurers (and many other corporates) no doubts put lots of guff in their contracts but it doesn't necessarily mean they binding terms.


Unfortunately it means these terms have to be tested, but at least that leaves the door open for the OP

That is why I suggested he seeks legal advice and not best guess, it may no be binding or fair. However it was in place and made available when he took out the policy.