Swindon cash back

shug119

I tried to put my daughters name on my 7 month old car insurance policy.
She is 27, full licence since she was 17, full 10 years NCB. No convictions, accidents ect.
They wanted £84.
I asked to cancel my policy ,and they stated , the £75 cash back I got, when I took out the policy will be taken off my refund.
But it says on my quote, keep your policy for 90 days and we will send you a cheque for £75.
Is this right ?

TadleyBaggie

Do you mean Swinton? You need to read read the T&C's, it's possible that they send the cheque after 90 days but if you cancel before the full term it is repayable.

shug119

TadleyBaggie wrote: »

Do you mean Swinton? You need to read read the T&C's, it's possible that they send the cheque after 90 days but if you cancel before the full term it is repayable.

My bad spelling, it is Swinton, I cant find any reference to cashback in terms and conditions.

From recent add.
Buy a new Annual Swinton Car Insurance policy by the 29/02/2016, and as long as your policy is still active 90
days after your policy start date we’ll send you a cheque for £50.

rs65

shug119 wrote: »

My bad spelling, it is Swinton, I cant find any reference to cashback in terms and conditions.

Fro their terms of business


If we have given you a discount off your premium at inception this will be deducted on a pro rata basis from any refund due to you on cancellation. In addition, if we have given you an amount of cashback we have the right to deduct a proportionate amount of the cashback from any refund due, or recover the amount from you. Where a cancellation or other transaction results in a premium refund being due to you, that refund will be reduced by any service charge and any other sums you owe in respect of the policy.

Quentin

shug119 wrote: »

My bad spelling, it is Swinton, I cant find any reference to cashback in terms and conditions.

From recent add.
Buy a new Annual Swinton Car Insurance policy by the 29/02/2016, and as long as your policy is still active 90
days after your policy start date we’ll send you a cheque for £50.

Their ts + cs you quote concern the qualifying time to first get cashback awarded.


As others have posted, they have other (onerous!) ts + cs about what happens regarding refunds if you cancel your policy mid term!

shug119

Thanks for your help.
Quote, a proportionate amount of the cashback from any refund due, or recover the amount from you.
Does that mean, not all the cashback will be reclaimed ?
ie if policy running for 6 months 50% will be reclaimed. ?
Cheers.

Quentin

You need to check with them how much they will refund.


But do find out the full cost of cancelling (not just any cashback clawback) before you make a decision.


You may find it (much!) cheaper to pay the £84 to see the year out with them then move on (cancellation could cost far more than £84)