Insurance cancelled by company

phill22

Hey guys.

Back in July I sorted out some car insurance for my wife. She had a number of emails asking for proof of no claims. She didn't see these emails, so didnt respond.
The insurance company then sent warning emails, and finally cancelled the insurance in august. We did not receive any calls or correspondence through the post.
From memory we paid £200 for the insurance, but only received £80 back. Fast forward to the beginning of this month and my wife received a letter from DVLA stating that there was no insurance on record, which is when I searched her emails.

My question is, should they have sent us letters through the post, or was email satisfactory. Would we have a case to make a claim? Not only have we lost out on the £120, but now we have to state that we had insurance cancelled which caused problems arranging our new insurance.

Browntoa

All my contact until renewals has been via email for many years

Your mistake , not theirs

csgohan4

Maybe you should have set the email to yours as well since your paying and sorting it out. Your wife probably thought it was a scam email


Due diligence on the organiser


Unfortunately now all her insurance will be more expensive as she now has to declare cancelled insurance

System

Failure to substantiate entitlement to a NCD simply means you get charged the full rate. Why is that grounds for cancelling the insurance?

csgohan4

Clifford_Pope wrote: »

Failure to substantiate entitlement to a NCD simply means you get charged the full rate. Why is that grounds for cancelling the insurance?

Maybe it's in the T+C

TrickyDicky101

Clifford_Pope wrote: »

Failure to substantiate entitlement to a NCD simply means you get charged the full rate. Why is that grounds for cancelling the insurance?

I disagree - surely it changes the entire risk profile of the insuree?

System

TrickyDicky101 wrote: »

I disagree - surely it changes the entire risk profile of the insuree?

If that is the case then quoting NCD as a certain percentage of the gross premium would surely be meaningless, if you are saying that the gross premium itself would depend on the NCD. That would be going round in circles?
I thought the point of a NCD increasing with number of claim-free years was exactly that - to reflect the changing risk profile? Then if you make a claim and lose NCD your risk profile changes accordingly.

dacouch

Clifford_Pope wrote: »

Failure to substantiate entitlement to a NCD simply means you get charged the full rate. Why is that grounds for cancelling the insurance?

As others have stated, cancellation for failing to provide is in many Insurers T&Cs.

It's generally due to any or all of the following.

The proposer could have been trying to pull a fast one by claiming no claims bonus when there is none.

It can be viewed that the type of proposer who is not on the ball enough to respond to requests for documents has a hectic lifestyle and / or would also not assist with dealing with a claim eg ignore letters from the Insurers asking about an accident.

Some Insurers only provide cover for customers with three or more years no claims bonus.

Having declared when you applied for the cover that you have owned the car for the previous five years or even the last year. But then not being able to provide confirmation of a no claims bonus alarms Insurers as they worry there are claims that have occured and not been declared.

Or the simple fact that they don't want to keep spending money chasing documentation so have a cut off point.

A note for Phill22, the £120 charge for the time you were covered is likely to be based on the gross premium eg the premium without the 60% discount for the no claims bonus. If you send them in proof of your no claims bonus they MIGHT reduce this charge.

Lily-Rose_3

phill22 wrote: »

Hey guys.

Back in July I sorted out some car insurance for my wife. She had a number of emails asking for proof of no claims. She didn't see these emails, so didnt respond.
The insurance company then sent warning emails, and finally cancelled the insurance in august. We did not receive any calls or correspondence through the post.
From memory we paid £200 for the insurance, but only received £80 back. Fast forward to the beginning of this month and my wife received a letter from DVLA stating that there was no insurance on record, which is when I searched her emails.

My question is, should they have sent us letters through the post, or was email satisfactory. Would we have a case to make a claim? Not only have we lost out on the £120, but now we have to state that we had insurance cancelled which caused problems arranging our new insurance.

I have to ask, if she gave an email address, why did she not look at her emails/messages? Did she just give an email address and then never look at that account after giving it out?

Does seem odd to go ahead and cancel based on not hearing from her via email, but if it was in the T & C's that this would be the only form of contact, I'm not sure you would have a case.

Personally, mine always email and then if they get no response, they write, or phone, or both. Seems bad practice to just email and then cancel the plan if they hear nothing. Surely they should at least make some effort to contact her via another medium.

She does need to check her emails more often though...... especially if she is giving her email address as a form of contact.