Insurance Cancelled due to Error

[Deleted User]

Duchess_Me wrote: »

Jesus - do any of you read the mail?

Its not about the fact that it was cancelled. I have said that, and it was never in any doubt that we made the error. Its the fact that there is now a cancellation tag that will be on file for ever and a day that I take issue with...that we will always have to explain a one time error.

Before you berate me - please read what I have said. I will escalate this, I have already complained to the AA and I will now follow their process, however given their remarks, I will need to go to the Ombudsman as they are just shrugging this off. Also the given the fact that they 'have this all the time'. Their words not mine. Makes me feel taht this is an unjust tag to penalise for ever and a day. d

One person on this forum gave an unbiased reply. That was all I asked for. Do the rest of you just sit on here to troll forums?

Actually dont bother replying..... I dont want or need your 'advise' or opinions, and I hope your on line experience is always wonderful, that you never make a mistake, the computer never says 'no' nor fall prey to any scams.

I must admit that no, I have never logged into someone elses insurance account and bought a policy in that persons name while thinking it was in my name. Mostly because it doesn't make any sense unless the person doing the buying can't read or wants to commit insurance fraud.

takman

Duchess_Me wrote: »

Its not about the fact that it was cancelled. I have said that, and it was never in any doubt that we made the error. Its the fact that there is now a cancellation tag that will be on file for ever and a day that I take issue with...that we will always have to explain a one time error.

There were many errors made and you need to understand what they were or it is likely to happen again. Firstly the wrong account was logged into which i accept can easily happen if details are stored. The next error was not reading any of the details on the insurance form, this is a big oversight but this is why you are asked to confirm the details. But the details were confirmed to be correct even though they were not and every time i have taken out insurance you have to confirm everything is correct.

Then once the payment is processed an email arrives which contains the insurance certificate. This was the last error not checking the details on here, so nobody may have been insured at all.

The fact that none of the details were checked even though there were multiple chances to do so is extremely negligent. This is why your insurance was cancelled because of negligence and not a simple error.
You should be happy that this isn't being classed as fraudulent and they accept that it was an error.

Amst

Duchess_Me wrote: »

Actually dont bother replying..... I dont want or need your 'advise' or opinions, and I hope your on line experience is always wonderful, that you never make a mistake, the computer never says 'no' nor fall prey to any scams.

Advice* :money:

Dandytf

I found another insurance company Jan17
Though I since miss 90% of quotes due to 1 company cancelling my car insurance Jan17
I don’t enjoy the ‘it’s your fault; type quotes via mse forums.
What I didn’t notice with an online insuarnace application was 1 no fault claim from a few years earlier.
Hope the mser’s of this thread finds another provider!

csgohan4

Good luck with the appeal, however as the error is on your partner's part and not the insurers, I wouldn't hold my breath, they may rescind it as a good will gesture. Let us know how it goes.

Duchess_Me

Just wondered if you guys would be interested an update? I think that this vindicates myself and my husband in the allegations of cheating. that were bandied about and perhaps you all will be less harsh when a simple question is raised.

[FONT=&quot]Thank you for your email received 7 December. I was most concerned to hear of the issues you have experienced with your AA Motor Insurance Policy.

I can see from your comments you are looking to try and understand the actions taken by The AA during the cancellation of a Motor Insurance Policy. I understand you are aware these actions could have long term implications on you obtaining insurance quotations going forward.

I have investigated this matter and can see that when the policy was purchased online it was mistakenly set up in your wife's name with you as a named driver. When the proof of No Claims Discount was received in your name, you were advised it would need to be in the name of the policy holder. At this point it was established that you had made a mistake whilst purchasing the policy online and that the policy should be in your name. I understand you were advised this was a common error and The AA would be able to sort the issue.

I can see that The AA suggested to rectify this issue we should cancel the policy and set another one up in your name to which you agreed. This was a suggestion of The AA and not a cancellation on your part, or a forced cancellation by the Insurer. Unfortunately the Adviser who processed the cancellation cancelled the policy in a way that made it look like this Policy was cancelled on request of the Insurer as we had not received documents they requested. This of course, is not the case.

I have contacted our Further Actions team within our Insurance Department who have confirmed that in light of the error you should not need to advise that you have had an insurance policy cancelled for any reason. This cancellation was suggested by The AA and certainly should have no negative impact on your ability to purchase insurance going forward. I can assure you I have fed your comments back to the Line Manager of the Agent who closed your previous policy for internal review. Any corrective action or further training will be carried out if required.
[/FONT]
[FONT=&quot][FONT=&quot]In considering the above, I am writing to confirm that I am upholding your complaint and I have arranged for the case to now be closed.[/FONT] [/FONT]

takman

Duchess_Me wrote: »

Just wondered if you guys would be interested an update? I think that this vindicates myself and my husband in the allegations of cheating. that were bandied about and perhaps you all will be less harsh when a simple question is raised.

Nobody in this thread mentioned anything about cheating so i'm not sure what you mean by that.

Duchess_Me wrote: »

I have investigated this matter and can see that when the policy was purchased online it was mistakenly set up in your wife's name with you as a named driver. When the proof of No Claims Discount was received in your name, you were advised it would need to be in the name of the policy holder. At this point it was established that you had made a mistake whilst purchasing the policy online and that the policy should be in your name. I understand you were advised this was a common error and The AA would be able to sort the issue.

The majority of people pointed out that you had made a mistake which is confirmed in the reply you had from the AA.
Luckily they had also made an error in marking it as a cancellation so you have got away with it.

But like i said in my previous post you had several chances to check the details before you sent in proof of NCD. If you had actually read the details on the screen in front of you before clicking you agreed they were correct none of this would have happened. So i hope you accept this and pay more attention in the future because you may end up making a mistake which could cost you dearly. Imagine if you setup a policy where only one of you were insured and the other person had a crash with extensive damage that you couldn't afford to pay.

Although, i will give you credit for updating the thread with an outcome as alot of people seem not to bother.

Heliflyguy

takman wrote: »

Nobody in this thread mentioned anything about cheating so i'm not sure what you mean by that

Post 12 suggests insurance fraud as the OP can without doubt read and your good self also said "You should be happy that this isn't being classed as fraudulent" in post 13.

Yet you berate the OP about not reading the details.

The problem is it was a mistake, been there myself but guilty until proven innocent eh.

Glad it worked out for you, it is incredibly stressful dealing with insurance issues.

Duchess_Me

Thank you for taking the time to see the real issue....

takman

Heliflyguy wrote: »

Post 12 suggests insurance fraud as the OP can without doubt read and your good self also said "You should be happy that this isn't being classed as fraudulent" in post 13.

Yet you berate the OP about not reading the details.

Fraud and Cheating are very different things and I've never heard of anyone being prosecuted for "cheating". If the OP had meant to reference the people accusing them of fraud then they should have used the word "fraud".

Heliflyguy wrote: »

The problem is it was a mistake, been there myself but guilty until proven innocent eh.

Glad it worked out for you, it is incredibly stressful dealing with insurance issues.

Yes it was a mistake and everyone makes mistakes. But that's why you have to confirm the details before you submit them. The OP entered incorrect details online (which is forgivable) then they confirmed they were correct on the next screen (so i would call being at least slightly negligence). Then they failed to read the certificate to check the details were correct.

There were so many times they could have spotted the mistake but didn't due to what could be described negligence at best. If someone missed a mistake that many times on something as importance as insurance while at work they would be fired.

Duchess_Me wrote: »

Thank you for taking the time to see the real issue....

If you think that you failing to check the details on multiple occasions isn't an issue then your going to suffer from many more issues in the future if you don't realise you and your husband need to pay more attention to details.