cancelled car insurance policy

lisac999

Thank you! I guess all is not completely lost then 😃

forgotmyname

lisac999 wrote: »

Yes I realise that now ☹ looks like I'm stuck with saying yes for another 5 years then ☹

Why 5 years? Are you planning on only living for another 5 years or not having a car after 5 years?

Have you EVER had insurance cancelled..ect etc...

takman

lisac999 wrote: »

Well without splitting hairs, ignoring the deadline is not the same as refusing to pay in my opinion. Neither does paying the remainder of the premium without coverage constitute a refusal to pay.

But stopping the direct debit because you didn't want to pay for it anymore is like stopping the payments on a loan. So when the insurance company request the direct debit you have effectively refused payment. The only reason you paid the entire premium is because you had to as per the agreement.

Also if your 42 with 4 year NCD why is your insurance £1080 a year!!!!?.

cajef

lisac999 wrote: »

Well without splitting hairs, ignoring the deadline is not the same as refusing to pay in my opinion.

Without splitting hairs your opinion is wrong, they could not take the DD so they gave you a deadline to pay which you ignored, that to them looks like a refusal to pay.

lisac999 wrote: »

So... At the end of September, the insurance company tried to take their dd and obviously couldn't, then wrote to me giving me a deadline to pay, which (again, stupidly) I didn't.

lisac999

That's exactly what I'm getting at! Saying "yes" instead of "no" actually DOUBLES the premium 😢

lisac999

I was referring to 5 years as I'm sure I saw a reply earlier from someone saying that some companies only ask if you've had a policy cancelled within the last 5 years as opposed to ever, but I can't seem to find it now....

lisac999

cajef wrote: »

Without splitting hairs your opinion is wrong, they could not take the DD so they gave you a deadline to pay which you ignored, that to them looks like a refusal to pay.

We will have to beg to differ then

cajef

lisac999 wrote: »

We will have to beg to differ then

Fair enough, try telling that for the next thirty or forty years to the insurance companies when you apply for insurance in future.

sinw

If you cancelled your direct debit because you sold your old car, then your insurance should been cancelled pro-rata. If you can provide information to the company you sold the car, they should only cancel your policy pro-rata (unless a fault claim was made in that year).

Your policy was only cancelled due to payment procedures, it has nothing due to number risk factors used to determine a policies' price.

If you sold, I would tell them you sent them a letter cancelling your policy and subsequently cancelled your direct debit, the proof of sale will show you no longer needed car insurance. Therefore, once settled, it would be you who cancelled the policy.

Your cancellation letter must got lost in post.

Aretnap

lisac999 wrote: »

I was referring to 5 years as I'm sure I saw a reply earlier from someone saying that some companies only ask if you've had a policy cancelled within the last 5 years as opposed to ever, but I can't seem to find it now....

There are sees who only ask about cancellations in te last 5 years - Diretct Line are one (or a least we're last time I looked). To find them you'll have to go directly to each company's website and read the questios carefully rther than using a comparison site.