Cancelled policy - Hastings Insurance

chassa2556

I compiled my first quote on Moneysupermarket for a new car insurance policy on the 9th of May. I had a very competitive quote from first central for £330 that evening, for whatever reason I decided not to take out the policy that day. The following day I looked again and the cheapest quote was £150 more expensive. I then spent the following 5 days up until the 14th searching on other comparison sites deleting cookies and search history. I also created an account in my dads name, trying every resort with the same information to get that competitive quote back.

On the 14th I took the plunge with Hastings who were consistently the cheapest since that initial First Central quote. On the 16th (two days later) I was contacted and told the policy was being cancelled due to conflicting information on the comparison sites. The insurer won't tell me the particulars of the information other than it was on data entered into the comparison sites...

I never for a moment intended to adapt the information to garner that 1st Central cheaper quote..

I spent hours on the phone to them from the 16-20th to no avail. I sent a letter to their complaints department 5 days ago and still haven't had a reply. I've reported everything to the FOS but I'm reluctant for them to procede until I've heard back from this email.

To give you a perspective the cheapest quote I've received since I've declared the cancellation is £3040! I'm left uninsured taking lifts to get to work.

If anyone has been through a similar situation or knows any legal grounds I could use to contend their decision, I would be immensely grateful.

Thank you!

Browntoa

Read this thread with an almost identical story

https://forums.moneysavingexpert.com/discussion/5838104/insurance-cancelled-because-of-multiple-different-quotes&highlight=cancelled

Quentin

The FOS won't get involved until the insurer has replied to your complaint ( or ignored it for 8 weeks)

In the meantime bear in mind you need to insure the car or get it sorned, to avoid any fixed penalties under continuous insurance regs.

(Does your dad know you used his I'd to make false quotes? If he's due to insure he may be in similar trouble that will need sorting!)

chassa2556

I didn't make false quotes I set-up a moneysupermarket account using my fathers email address. The information stayed the same.

I've already sorn my car for the time being.

Quentin

Ok. Your op says different! You say you set up an account in his name??

chassa2556 wrote: »

....... I also created an account in my dads name, trying every resort with the same information to get that competitive quote back......

But something has caused the anti fraud software they use to kick in and flag your multiple quotes as suspect,!!

See if a local broker (not Swinton) can help find cover with a specialist insurer more sympathetic to clients with cancelled policy in their profile)

RozJC

Hello my fellow Hasting Insurance Policy cancelled sufferer!

I just updated my forum post and sent you a PM but I'll say it again here.

The investigation took a while and I ended up having to buy another, more expensive policy from 1st Central. But in the end. they determined that my policy had been cancelled hastily without going through the proper processes (such as asking for clarification on my details that they had concerns about) and I was given a full refund with a little bit extra as an apology for the inconvenience.

As long as you definitely haven't done anything wrong, you should get a favourable response from the investigation, but it does require you to have patience.

Good luck!

naz9895

Hey, I'm currently in a identical situation as you were I was wondering how did you go about it and what were the results ? I'm absolutely clueless on what to do so any help would be much appreciated .