Car seized for no insurance!!

worried_jim

Good result, well done! You must be relieved.

jase1

Good news

I've hears of a few incidents of this type recently, and as a result I log in to my insurer's website, and check AskMID on a monthly basis. Not foolproof but it should at least greatly reduce the risk of being caught like this.

One area that's a particular bugbear of mine is that there are still insurers out there who request original, paper copies of no claims proof, but don't give out any kind of confirmation that they've received the documents. The Co-Op is bad for this; they didn't even flag anything on their website and I had to phone them to get confirmation of receipt. Not good enough as far as I am concerned, when they reserve the right to cancel the policy without warning if they don't receive the docs.

dannyrst

jase1 wrote: »

Good news

I've hears of a few incidents of this type recently, and as a result I log in to my insurer's website, and check AskMID on a monthly basis. Not foolproof but it should at least greatly reduce the risk of being caught like this.

One area that's a particular bugbear of mine is that there are still insurers out there who request original, paper copies of no claims proof, but don't give out any kind of confirmation that they've received the documents. The Co-Op is bad for this; they didn't even flag anything on their website and I had to phone them to get confirmation of receipt. Not good enough as far as I am concerned, when they reserve the right to cancel the policy without warning if they don't receive the docs.

Something like this happened to me with Aviva.

I got a letter saying that I needed to prove my NCD so sent off my renewal certificate (as it said to do on the letter), to which I got a call saying that this wasn't good enough and they wanted a letter specifically detailing the date of cancellation of my old policy and the NCD.

Through my own error, after getting this document from my old insurer, I never forwarded it on to Aviva, which is fine, I hold my hands up to that.

But the next I heard was from Aviva saying my premium had been increased from £30 a month to over £100 a month. I rang up straight away to clear the situation up and express my concerns that they hadn't chased me up, but they said that their initial letter was the only chase they needed to do. Whilst that might be legally correct, it would be good customer service to send a reminder if further correspondence has occurred since the original request.

I ended up paying a months premium at the higher rate and getting it reduced the month after, but they took into account my over payment and reduced my monthly payments thereafter by that amount.

Got to be careful with these insurance companies, I tell you!

rs65

dannyrst wrote: »

Through my own error, after getting this document from my old insurer, I never forwarded it on to Aviva, which is fine, I hold my hands up to that.

But the next I heard was from Aviva saying my premium had been increased from £30 a month to over £100 a month. I rang up straight away to clear the situation up and express my concerns that they hadn't chased me up, but they said that their initial letter was the only chase they needed to do. Whilst that might be legally correct, it would be good customer service to send a reminder if further correspondence has occurred since the original request.

You could regard their letter advising of the new premium as a 2nd reminder. It certainly worked by getting you to respond. Effective, wasn't it?