One Call Insurance....

alyxzandra

I had the worst dealing with this insurance company. They wanted to charge me £35 just to change an address. I said it was too much and will check into other insurance companies. I was not advised I would be charged £55 if I left. Next thing I know is I get a letter saying my insurance is cancelled due to misrepresentation, but they sent it to my new address!

I called and was told by a snotty and rude call centre rep that I did misrepresent myself because I did not pay £35 to change my address. I said that is pretty insane considering they sent the cancellation letter to my new address. I was told my insurance is cancelled and that I owed nearly £100 - the balance plus £55 for cancellation. I said I would only pay my balance, but not the £55.

I complained and was told a) I could not pay part of the balance and only the whole amount would be accepted and b) if I wanted to complain and they listened to the original call where I said I was not advised of the £55 charge to leave, they would charge me £10. I got into a huge row with the rep and he refused to put me through to a manager. After 20 minutes I spoke to a manager who said the same things. They tried to use Data Protection as a reason to charge me £10. Next thing I know I get another letter saying they are going after me in debt recovery and charged me another £25. A week later, they tacked on another £25 plus interest.

I complained to the Financial Omnbudsman, who has ruled in my favour on the grounds of poor customer service, unfair practices, withholding my no claims discount and misusing the Data Protection Act. OUCH. They have been told to release my no claims discount and to waive all money owed as way of an apology! :j

shaun_from_Africa

Forget about the ruling by the ombudsman. The most important fact now is that whenever you take out a motor insurance policy in the future you will have to declare the fact that you have had a previous policy cancelled. (This will probably be held on record on the insurance database as well).
Having a policy cancelled can seriously affect the premium that you will be quoted and if you fail to declare it and you have to make a claim, it will probably result in the insurers not paying out for your losses.

alyxzandra

shaun_from_Africa wrote: »

Forget about the ruling by the ombudsman. The most important fact now is that whenever you take out a motor insurance policy in the future you will have to declare the fact that you have had a previous policy cancelled. (This will probably be held on record on the insurance database as well).
Having a policy cancelled can seriously affect the premium that you will be quoted and if you fail to declare it and you have to make a claim, it will probably result in the insurers not paying out for your losses.

I declared it to my new insurance company and I did not have an issue with getting insurance. My premiums were still low and I have a letter from the complaints department saying they issued a wrong decision for cancelling my insurance.

I will speak to the Omnbudsman about my insurance being cancelled and how they plan on rectifying this. However, it is also saying in the ruling they should not have cancelled my insurance.

stugib

They've been judged to have provided poor service but this all stems from your petulant refusal to keep to the terms you agreed to (but probably didn't read) when you bought a cheap policy

Zandoni

stugib wrote: »

They've been judged to have provided poor service but this all stems from your petulant refusal to keep to the terms you agreed to (but probably didn't read) when you bought a cheap policy

Unfortunately a very high percentage of people fail to read all the small print and that's how companies get away with this terrible service.