Hastings Direct have Cancelled My Car Insurance!

paddyandstumpy

atrixblue.-MFR-. wrote: »

People who understand the web design know this is not the case. They have most definitely looked at her server cookies file to investigate this according to her name PC ID and IP address.


The fact you can ring them is neither here no there the OP chose to do it online.


It would also make it unfair if they do not warn people they intend to do this.


something like an info box next to the drop down tab that says


Repeated clicks on multiple job titles will lead to a future policy being cancelled or a claim being void.

The question really is does a quotes before the initiation of the contract form a breach of contract therefore enabling them to Void the contract?
If this is the case then people who have made "dummy quotes" and now have a policy with that company face having their policy Voided. It doesn't matter if you use fake names etc because it all came from the same "PC ID address" and "IP Address".

Insurers don't go rooting through cookies of applicants. Nor chase IP addresses.

When details are submitted to the comparison sites 'calls' are made to insurers rating engines which then rate and underwrite the risk based on what's in the form at point of submission. These quotes are stored, incase it's then taken up at a later date.

Post inception of a risk insurers can compare the bound risk against their stores quote database to see if other quotes were also run on different information.

As to your question "does a quotes before the initiation of the contract form a breach of contract therefore enabling them to Void the contract? " if the quotes are differing and therefore effecting price or acceptability then it can be argued it's quote manipulation, which is fraud and grounds for insurers to avoid the contract.

Knight3333

For Hastings or the Insurer (usually Advantage) to cancel a policy and retain the premiums means they like have said there was a deliberate or reckless misrepresentaion as per the Consumer Insurer Disclosure and Respresentations Act 2012 (CIDRA).

If you've incepted the policy with them using the correct job/occupation then just because you searched with other jobs/occupations wouldn't mean you have misrepresented your position.

It is tricky with the jobs section as they can be different job titles but the occupation itself is the same. Overall if someone does dummy searches beforw taking a policy out it would be hard for it to be classed as breach of contract as there was no contract. Also it can't be a misrepresentation if the correct information was given at the policy inception.

If you cab get a letter from your employer which shows your job and the duties of you job match the one you selected. Then complain and follow the complaints process.

The law is quite clear cut on this area because of CIDRA, if they can't show a deliberate or reckless misrepresentation then they have no right to the money.

I know you mentioned about the policy terms and conditions, but I would be surprised if they said they could just keep the whole premium as that would be classed as an unfair contract term under the Consumer Rights Act 2015.