Tesco Car insurance Scam

Johno100

justinormerod wrote: »

Tesco told me they spoke to Provident, my last insurer, on the phone and said that provident confirmed I left them with 8 years no claims. So Tesco are not denying that provident have confirmed the 8 years.

However Tesco say it is not acceptable because my car was uninsured whilst not sorn for more than 30 days after my insurance with Provident ended.

How the legal status of my car during a gap period can render my insurance history stated by my last insurer unacceptable is beyond me!

Seemingly not acceptable to Tesco but that doesn't mean all the other insurance companies out there won't accept it.

lopsyfa

justinormerod wrote: »

Tesco told me they spoke to Provident, my last insurer, on the phone and said that provident confirmed I left them with 8 years no claims. So Tesco are not denying that provident have confirmed the 8 years.

However Tesco say it is not acceptable because my car was uninsured whilst not sorn for more than 30 days after my insurance with Provident ended.

How the legal status of my car during a gap period can render my insurance history stated by my last insurer unacceptable is beyond me!

What everyone is trying to tell you is since you are not insured with Tesco for the full year, you can't get proof of no claim from Tesco. You can however used the proof of no claim years from your previous insurer (the one before Tesco) when you get a new insurance. You don't even need to tell them about Tesco insurance.

The cancelled insurance bit is the part you need to worry about. Raise a complaints with Tesco and escalate to the ombudsman if you get no joy.

justinormerod

Hermione_Granger wrote: »

If you had been driving uninsured or even if you hadn't but Tesco thought that you may have been then they have every right to be concerned as it would mean that you were willing to ignore the law, something that would increase the risk of them having to pay out on your policy.

Admittedly they have the right to have a concern but they should say so when selling the insurance or at least make it clear in the terms and conditions that they have this concern. Not pull me up on it one month after providing me with the service.

neilmcl

The only thing to do is make a formal complaint to Tesco, and depending on the result of that escalate it to the insurance ombudsman.

tonyh66

try using the Resolver website to complain to Tesco(there's a link on this website somewhere) I used it in a dispute recently and your complaint seems to get passed up the management chain quicker.

Herzlos

Hermione_Granger wrote: »

If you had been driving uninsured or even if you hadn't but Tesco thought that you may have been then they have every right to be concerned as it would mean that you were willing to ignore the law, something that would increase the risk of them having to pay out on your policy.

But that'd have nothing to do with a NCD. There's no knowing there had been using it uninsured; it could have been parked up but not SORNed, or being insured/used by someone else.

I'd ask Tesco again to clarify exactly what the issue is and reference the clauses in the contract because it sounds like a huge misunderstanding.

Then I'd take the 8 years NCD from provident to another insurer (or back to provident) and explain the "cancellation", making sure to mention it's in dispute.

justinormerod

Herzlos wrote: »

But that'd have nothing to do with a NCD. There's no knowing there had been using it uninsured; it could have been parked up but not SORNed, or being insured/used by someone else.

I'd ask Tesco again to clarify exactly what the issue is and reference the clauses in the contract because it sounds like a huge misunderstanding.

Then I'd take the 8 years NCD from provident to another insurer (or back to provident) and explain the "cancellation", making sure to mention it's in dispute.

That's the really frustrating thing. It is a big misunderstanding. I've spoken to 4 people at Tesco who agree with me and cannot explain how the underwriters can do this, but they can't get the underwriters to change their mind. It's now been escalated to Tesco's complaints department so I'll have to see if they can talk sense into the underwriters. If they fail it will be the ombudsman's turn to challenge Tesco on this.

John_G_Jones

justinormerod wrote: »

Tesco told me they spoke to Provident, my last insurer, on the phone and said that provident confirmed I left them with 8 years no claims. So Tesco are not denying that provident have confirmed the 8 years.

However Tesco say it is not acceptable because my car was uninsured whilst not sorn for more than 30 days after my insurance with Provident ended.

How the legal status of my car during a gap period can render my insurance history stated by my last insurer unacceptable is beyond me!

It doesn’t, they just don’t want people for customers who do what you have done.

Nothing lost, you can have the money back and insure elsewhere.

justinormerod

Hear is the latest from Tesco's complaints department. Suggestions required.

Dear Mr Ormerod,

Thanks for your patience while I've looked into your complaint. Based on what I've found, I think we've acted fairly, so I won't be upholding your complaint. I've explained why below.

Car Insurance - Cancellation

You contacted us to let us know you were unhappy we couldn't accept your proof of No Claims Discount (NCD).

My Findings

When setting up your policy online, you advised you had 8 Years NCD. We asked for proof of your NCD on 11th January 2019, followed by a further reminder on 25th January 2019.

Following the receipt of your NCD proof, you informed us that your vehicle was uninsured for approximately 6 weeks. You also advised that the vehicle was not declared off road, also known as SORN. To assist you further with this matter, we contacted your previous insurer who advised that your policy expired in April 2018

This information was referred to the underwriter, who after reviewing this information, decided that they were unable to continue providing cover. As you were unhappy with the underwriter's decision, a complaint was recorded.

My Decision

Whilst I'm sorry for any distress and inconvenience caused by this issue, I can't agree we've made an error on this occasion and therefore cannot uphold your complaint.

Unfortunately, on this occasion the underwriter was unable to continue providing cover. This was because your previous policy expired out-with 30 days of the new policy's inception date. If there is an overlap of more than 30 days, the proof of NCD is invalid.

You have the right to refer your complaint to the Financial Ombudsman Service, free of charge - but you must do so within six months of the date of this letter.

If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.

You can find out more information at the Ombudsman's website: https://www.fos.org.uk

Yours sincerely,
Sotiris Baku
Customer Relations Officer

Tigsteroonie

Did your last insurance expire in April (as advised by Tesco in the above post) or in November (as stated by you in the OP)?