Cancelled car insurance

prosaver

paparossco wrote: »

Excuse me if I state the obvious but don't use the car until this is sorted and you have the documents or you run the risk of being stopped by the police.

the car has to be insured even if its on the driveway ..I had to get my other car (using for spares) SORN to get out of getting insurance(new law)
:(:(:(

lisyloo

prosaver wrote: »

the car has to be insured even if its on the driveway ..I had to get my other car (using for spares) SORN to get out of getting insurance(new law)
:(:(:(

Unless you fill out a sorn, which I expect would take 5-10 minutes online. Obviously you can't then use the car.

prosaver

dont know if they give you a warning first?

All registered cars are recorded on the Motor Insurer’s Database (MID), and any owners whose cars are not insured or SORNed will automatically receive an Insurance Advisory Letter (IAL) in the first instance. This will be followed by a fixed penalty notice of around £200 and six points on your licence. If you still fail to insure or SORN your car the case could go to court where you could be fined up to £1000 and be disqualified from driving. Your car can also be seized and eventually destroyed if you don’t pay to have it released.

ref https://www.uswitch.com/car-insurance/how-to-sorn-a-car/

Helpp

Yeah I'll get that SORN sorted. I did manage to find my policy documents they sent me, it says my policy started on the 28th January but doesn't give any indication as to what the payment dates would be.

I was told I would be given a call back today but nobody has rang. I'm trying to ring them back and I've been in the queue for over an hour now.

Helpp

So I was on the phone for two hours last night before they closed and I had to give up. After numerous promises of a call-back today I finally managed to get through and was told that they have no record of the call that I made. Just as I expected really.

I've been asked to email them proof that I did indeed make a call on that date, which I can definitely do. However, I suspect they're just going to come back and say that a screenshot of the call date, time and duration isn't proof that I was told my payments would be coming out on the 1st.

Can anyone offer any further advice? Cheers.

KittenChops

Helpp wrote: »

So I was on the phone for two hours last night before they closed and I had to give up. After numerous promises of a call-back today I finally managed to get through and was told that they have no record of the call that I made. Just as I expected really.

I've been asked to email them proof that I did indeed make a call on that date, which I can definitely do. However, I suspect they're just going to come back and say that a screenshot of the call date, time and duration isn't proof that I was told my payments would be coming out on the 1st.

Can anyone offer any further advice? Cheers.

Use their complaints process... State (in writing) all of the calls you've made (starting with the one asking for the payments to be on the 1st) and ask them to listen to them all - you can even ask for transcripts of them (perhaps even recordings?). And as dacouch said earlier, ask them to suspend the cancellation pending your complaint / their investigation.

Helpp

Thanks for taking the time to respond KittenChops.

It's been a very stressful few days but I've managed to get things sorted now, albeit not in the way I would have liked ideally. So even when I emailed in screenshots of the call I made on the 26th, the company maintained that they couldn't find a copy of the call recording. Eventually, I managed to get through to a manager today and he admitted due to an error on their part they were willing to waive £100 of my arrears (totalling £250 quid somehow) and offer me a new policy with the agreement that I would not have to declare having a policy previously cancelled. I was also advised that the cancellation would not leave a black mark on my credit history.

Quentin

If you accept the offer make sure you get it in writing that the cancellation has been recinded, and removed from your record and keep it filed for evermore!

Blibble

Please get that final point in writing - the last thing you want is further lost call recordings when trying to hypothetically explain in the future why you haven't declared your cancelled policy!

Helpp

So I've asked for what's been done to be put into writing (the manager who I speaking with agreed that they would after I'd taken out a new policy) and the same manager has basically ignored my request and stated that the official cancellation letter was sent out on the 15/04/2017.

Is it safe to lodge a complaint?