Can They Cancel My Insurance?

interiorlulu

The insurance company will want to have the person who will do the most driving in the car as the main driver and policy holder. There is nothing wrong with having your brother on there as a named driver to reduce the premium, but if he was down as the main driver and you drive the car the most, then it may invalidate your insurance if they find out.

lwdawson

We both share the motorhome equally.

dwsjarcmcd

To be fair, it wouldn't be beyond the wit of man to prove who the OP's is employed by. A letter from the employer or a payslip should do, which would end the debate

lwdawson

THE OUTCOME:

I called the insurance company again and held firm on my position the I am not currently a sports coach. They acknowleged that I am not a sports coach at the moment but said that because they believe I will return to sports coach that it makes me a "high risk". However, I maintained that all my details were correct at the time the policy was enforced.

I would not budge from my position and after much toing and froing they offered to find me an identical policy for the same money with another provider. I was obviously happy with that but asked what happened about my deposit. They explained that the deposit would be refunded fully and they would put it towards the deposit on the new policy.

I was happy with the outcome so far until I was told that I would have to pay a cancellation fee on the old policy. I told them that I never requested that the old policy be cancelled and was more than happy to continue the old policy and if they desired to cancel they policy then they should pay the cancelation fee. They said they would have to talk to someone about it and call me back and when they did I was informed that they would waive the cancellation fee on this occasion. Happy days!

During the phone call they also revealed that the previous person I had spoken to was wrong when they told me the policy was never in force.

The conformation email came in and I have a new policy with the same level of cover, for the same money, with my occupation down as a sports coach... WITH THE SAME COMPANY?!?! Hahaha.

Just goes to show that you have to back yourself up, be prepared to fight your corner and never back down. Thanks to everyone for the support and advice on the matter.

(jonesMUFCforever don't be so sceptical in future )

forgotmyname

So your not insured anymore?

You have claimed your not a Sports Coach yet thats what they have
put your occupation down as.. But by your own admission your not
a Sports Coach.

That could be tricky if you need to claim.

lwdawson

forgotmyname wrote: »

So your not insured anymore?

You have claimed your not a Sports Coach yet thats what they have
put your occupation down as.. But by your own admission your not
a Sports Coach.

That could be tricky if you need to claim.

I am covered fully comp with the same company.

Shouldn't be any issues if there is a claim as it was the insurance company themselves who insisted that's what was on the policy. My supermarket job is on the policy also.

zaax

well done. Just provides that you get if you stand up for yourself - which is in a way what a sport coach does showing the athlete they can do better even if someones else says they can't

rudekid48

zaax wrote: »

well done. Just provides that you get if you stand up for yourself - which is in a way what a sport coach does showing the athlete they can do better even if someones else says they can't

But he's not a sports coach though

pinkteapot

Just one thing though.... Have they cancelled the first policy, or not?

If so, it'll hurt you. Whenever you take out insurance you have to answer the question "Have you ever had an insurance policy cancelled?" I know that answering yes is bad, but I don't know if it makes it harder to get cover or makes cover more expensive.

You really need them to 'undo' the cancellation or this will have a knock-on effect with future insurances that you take out.