Car Insurance Address Verification?

agrinnall

If it's a new policy (it's not clear as you mention renewing) then you have 14 days to cancel and only pay for the time you were on cover, and even if it's past 14 days you can still cancel but you'll need to pay whatever the T&Cs say they can charge you. But if you are that set against them now maybe it would be worth it for peace of mind.

Aretnap

agrinnall wrote: »

If it's a new policy (it's not clear as you mention renewing) then you have 14 days to cancel and only pay for the time you were on cover, and even if it's past 14 days you can still cancel but you'll need to pay whatever the T&Cs say they can charge you. But if you are that set against them now maybe it would be worth it for peace of mind.

According to this (page 14) it's time on cover only (ie x/365ths of your annual premium, where x is the number of days the insurance has been active) if you cancel within 14 days, or time on cover plus a £25 fee if you cancel after more than 14 days. If you're that convinced that they're a terrible insurer who are going to rip you off at every turn then you should just cancel now and walk away, and be grateful that buying before you read the reviews only cost you £25.

However do bear in mind that (1) most of what you read on the internet is rubbish, especially things written by angry ranty people (2) it's easy to find bad reviews of any insurer, as plenty of people don't understand how insurance works and have unrealistic expectations of how it should work, and (3) other insurers may ask for proof of your address as well, especially if you're not on the electoral register - there is a problem with young people who actually live in inner cities claiming that they live with their parents in leafy suburbs to get a cheaper quote, and insurers are naturally keen to have measures in place against this type of fraud.

bery_451

Its not a new policy as I said before I renewed with them over the phone after already being with them for the year. Had no problems with them in the 1st year however strangely when it came to renewal the advisor said on the phone to me after he took my card details for payment that another department may contact me requesting additional address proofs.


If advisor declared this inconvenience hassle before taking my money over the phone then I would have told him to sod off and move to another insurance provider.

Quentin

You are missing a number of points!


You were advised you "may" get a call, yet are posting here in a panic when no call has materialised


You don't need to be in possession of all the docs you have listed (eg you may not be a tenant/you may not be employed/may not own a passport etc etc)


It is a condition of most policies that the insurer may come to you for copies of documents (at any time) that are relevant


So swearing at the rep and moving elsewhere wouldn't have necessarily made any difference

bery_451

Aretnap wrote: »

According to this (page 14) it's time on cover only (ie x/365ths of your annual premium, where x is the number of days the insurance has been active) if you cancel within 14 days, or time on cover plus a £25 fee if you cancel after more than 14 days. If you're that convinced that they're a terrible insurer who are going to rip you off at every turn then you should just cancel now and walk away, and be grateful that buying before you read the reviews only cost you £25.

However do bear in mind that (1) most of what you read on the internet is rubbish, especially things written by angry ranty people (2) it's easy to find bad reviews of any insurer, as plenty of people don't understand how insurance works and have unrealistic expectations of how it should work, and (3) other insurers may ask for proof of your address as well, especially if you're not on the electoral register - there is a problem with young people who actually live in inner cities claiming that they live with their parents in leafy suburbs to get a cheaper quote, and insurers are naturally keen to have measures in place against this type of fraud.

So what you saying is that for a motorist to drive legally in the UK then he/she must be on the Electoral Roll 1st and if he/she failing that then motorist must have a bill in their name or wage slips or tenancy agreements in their name?


If the motorist doesn't have the above then what? Catch the bus instead?


Seriously you saying Car Insurance companies have the right to reject established ID's such as driving licenses, passports, v5 logbooks and bank statements?


Isn't it fraud for car insurance companies to rip off customers cancelling their policies and stealing their premiums that the customers paid? Isn't it fraud for the advisor on what he said after taking my card details over the phone?


Seriously a line needs to be drawn somewhere.

Quentin

bery_451 wrote: »

Isn't it fraud for car insurance companies to rip off customers cancelling their policies and stealing their premiums that the customers paid? Isn't it fraud for the advisor on what he said after taking my card details over the phone?


Seriously a line needs to be drawn somewhere.

No fraud at all, he advised you in line with his script!


Where is your evidence of this theft going on?


If you have any, report it to the authorities! (Police for theft/fraud)

k3lvc

bery_451 wrote: »

So what you saying is that for a motorist to drive legally in the UK then he/she must be on the Electoral Roll 1st and if he/she failing that then motorist must have a bill in their name or wage slips or tenancy agreements in their name?


If the motorist doesn't have the above then what? Catch the bus instead?


Seriously you saying Car Insurance companies have the right to reject established ID's such as driving licenses, passports, v5 logbooks and bank statements?


Isn't it fraud for car insurance companies to rip off customers cancelling their policies and stealing their premiums that the customers paid? Isn't it fraud for the advisor on what he said after taking my card details over the phone?


Seriously a line needs to be drawn somewhere.

You're seriously overthinking this - the insurance company is taking a risk on your behalf based on a contract you establish with them. In days gone by you'd nip down to Swinton (other insurance brokers are available) and see them face to face, they'd take a copy of your (paper) licence and get a signature.


Nowadays it's all electronic/phone based and, surprisingly, people lie - a number of quotes based on address/occupation can find the cheapest option and people exploit it hence the need for secondary confirmation.


Now either you need to remove your tin-foil hat or you're one of the deceivers and you're about to be caught out


What's the real issue for you ??

bery_451

k3lvc wrote: »

You're seriously overthinking this - the insurance company is taking a risk on your behalf based on a contract you establish with them. In days gone by you'd nip down to Swinton (other insurance brokers are available) and see them face to face, they'd take a copy of your (paper) licence and get a signature.


Nowadays it's all electronic/phone based and, surprisingly, people lie - a number of quotes based on address/occupation can find the cheapest option and people exploit it hence the need for secondary confirmation.


Now either you need to remove your tin-foil hat or you're one of the deceivers and you're about to be caught out


What's the real issue for you ??

Why don't you go and see the real issues yourself :wall: :


http://www.reviewcentre.com/reviews249410.html


http://www.reviews.co.uk/company-reviews/store/gc-octagon


How would you like it If someone calls you a deceiver without any proof at all?


In fact how would any car insurance customer will like it when they get treated like criminals without any proof at all or without any probable cause? In fact its the car insurance providers that are the criminals especially Octagon or you disagree with all those reviews saying the reviews are fake, deceiving, misleading etc?


We all can see here its the customer that is right at the end of the day.

k3lvc

OK you really do need to take off the tin-foil hat. This company have customers as they give the cheapest quotes on many of the comparison sites - this means they might be more strict on their checks but they're still checks they're entitled to make and that you need to comply with if you want to take 'advantage' of their lower prices. If not then choose a nice friendly 5* rated insurance company and pay the price.


p.s. customer might be right but they may also be uninsured. Moral high ground isn't always right

bery_451

If the worse does come and they ask me to provide some specific document that I do not have then what are my rights as a car insurance customer?


What are the rights and obligations of car insurance companies after taking into consideration and circumstances of a customer that doesn't have a specific document to provide?


Who I do I go to complain if my policy gets cancelled or my premiums that are paid stolen and not refunded?


Who are the independent regulating body that monitors car insurance providers?


Who do I go to if Octagon decide to tarnish me or blacklist me on the car insurance database in retaliation from all of the above?