Car Insurance got cancelled because of no proof of address help

Pappy

I bought a my first car in July and fully comp insurance with One Call Insurance. Over a month later I find out my insurance was been cancelled; due to no proof of address (despite me having already provided this; ongoing complaint investigation).

Anyway, if I tick that I have had my insurance cancelled on car insurance comparison sites, I only retrieve a couple of quotes and the premium is extremely high as opposed to if I leave the tick box unticked.

I called the Insurance Company (whom are a Insurance broker) and wanted an update on my complaint as having to declare my insurance was previously cancelled (due to admin error) is denying me getting a reasonable premium. The person dealing with my case and even a colleague before him a few weeks ago, stated that I DO NOT NEED TO DECLARE I have been cancelled insurance as they won't disclose that I have been cancelled insurance.

In conclusion, do I declare I have been cancelled insurance before? Has anyone got any tips or advise?

Much appreciated, thank you

forgotmyname

If you leave the box unticked then you leave yourself at risk of being uninsured.

The person dealing with your case may not know all the details, phone the same number half a dozen times and get a different answer from a different member of staff, Unless they put it in writing for you then declare it and make a formal complaint.

Find a decent broker who you can talk to and see what they advise.

Quentin

Pappy wrote: »

... The person dealing with my case and even a colleague before him a few weeks ago, stated that I DO NOT NEED TO DECLARE I have been cancelled insurance as they won't disclose that I have been cancelled insurance.....

You need to get this confirmed in writing. Once you do get this confirmed keep the letter on file for evermore as cancelled policies do remain on your record for ever, and you may have issues over this in the future


Until you get this confirmation you do need to disclose your cancelled policy.


Alongside getting this confirmed you ought to raise a formal complaint about them cancelling your policy despite you supplying the info requested, and then you can escalate it to the FOS for their adjudication if they ignore the complaint for 8 weeks, or you are unhappy with the reply.

HappyMJ

Pappy wrote: »

I bought a my first car in July and fully comp insurance with One Call Insurance. Over a month later I find out my insurance was been cancelled; due to no proof of address (despite me having already provided this; ongoing complaint investigation).

Anyway, if I tick that I have had my insurance cancelled on car insurance comparison sites, I only retrieve a couple of quotes and the premium is extremely high as opposed to if I leave the tick box unticked.

I called the Insurance Company (whom are a Insurance broker) and wanted an update on my complaint as having to declare my insurance was previously cancelled (due to admin error) is denying me getting a reasonable premium. The person dealing with my case and even a colleague before him a few weeks ago, stated that I DO NOT NEED TO DECLARE I have been cancelled insurance as they won't disclose that I have been cancelled insurance.

In conclusion, do I declare I have been cancelled insurance before? Has anyone got any tips or advise?

Much appreciated, thank you

Forget about the comparison websites. You need a broker.

You need to declare it's been cancelled or find yourself at risk of a claim being turned down.

dunstonh

For this year, I would not use the internet but use a phone based distribution. Disclose what happened and let them decide if its an issue or not. That call is recorded and if they say its not a problem then you know you are safe.

The broker is not in a position to decide how other companies will treat this. Could this broker not arrange another company themselves? This would put the liability of that question with them.

Pappy

Thank you all for your time in replying and giving me advice.

With regards to the following:

You need to get this confirmed in writing. Once you do get this confirmed keep the letter on file for evermore as cancelled policies do remain on your record for ever, and you may have issues over this in the future

Until you get this confirmation you do need to disclose your cancelled policy.

Alongside getting this confirmed you ought to raise a formal complaint about them cancelling your policy despite you supplying the info requested, and then you can escalate it to the FOS for their adjudication if they ignore the complaint for 8 weeks, or you are unhappy with the reply.

Thank you, I will ask the company to give me their response in writing. Also, I raised a formal complaint to the FOS about the insurance company/broker a couple of weeks ago and now they have 8 weeks to investigate and give me their final response.

For this year, I would not use the internet but use a phone based distribution. Disclose what happened and let them decide if its an issue or not. That call is recorded and if they say its not a problem then you know you are safe.

The broker is not in a position to decide how other companies will treat this. Could this broker not arrange another company themselves? This would put the liability of that question with them.

By phone based distribution, do you mean to call motor insurance companies up and ask them to give me a quote whilst explaining what has happened? Could you please recommend me some?
I saw that the main insurance providers wouldn't quote me on price comparison sites and thought this is reflective of their telephone distribution.

I am reluctant to use this broker as they have already put me out of pocket/ conned me (it feels like that to me). They could be pending an investigation by the FOS if I am not happy with their final decision.

dunstonh

By phone based distribution, do you mean to call motor insurance companies up and ask them to give me a quote whilst explaining what has happened? Could you please recommend me some?

i cant because I am a regulated individual. However, you see television adverts all the time and many of the internet ones have telephone sales too.

I saw that the main insurance providers wouldn't quote me on price comparison sites and thought this is reflective of their telephone distribution.

Internet is black and white in decisions. Telephone staff can deal with shades of grey. They will know their rules and will have discretions in place. You can say to them what the broker told you about it not applying and they can decide if they agree.

They could be pending an investigation by the FOS if I am not happy with their final decision.

The FOS does not do investigations into firms. The FOS decides whether the response you got back from the firm was fair or not.