Hastings cancelled Ford car insurance / AXA to follow suit for Peugeot?

makara

Re. "Notification only" -


Some years ago, my Mother as the named driver had a wing-mirror to wing-mirror clipping with another car - their mirror's glass got smashed - our car's wing-mirror luckily just folded in upon impact.

The other party blamed my Mother - and notified their insurance, who notified ours (E-sure I think?).

As a result of the case being on-going at renewal time - our Premium went up £80.

However as we heard nothing for about the next 10 months, I asked what the outcome had been - E-sure told us the other party had dropped their claim, and so we would get a rebate of about £18.

When I contested that an £80 hike in Premium versus an £18 rebate is a bit unfair - I was told that a "non-claim" by another party is different than having no claims in a year at all - even though they did add that it ultimately meant that our "No claims discount" was NOT affected, due to the other party dropping the matter.

I guess the Insurance companies effectively "charged us" over £60 for various "Admin fees" due to the work involved of the other party reporting the incident against us...

makara

makara wrote: »

As for me "not remembering" the phone conversation - isn't that why Insurance companies record all phone conversations? So that if you say "I don't remember" or "I disagree", they can play back the recording to you / to the FOS / to your new insurer?

On that note...are Insurance companies allowed to play back recorded conversations with past / current customers between each other?

E.g. can say Aviva play back (or otherwise somehow share) voice-recordings with say Churchill?

Or is that a breach of Data Protection laws?

kelevraz

makara wrote: »

On that note...are Insurance companies allowed to play back recorded conversations with past / current customers between each other?

E.g. can say Aviva play back (or otherwise somehow share) voice-recordings with say Churchill?

Or is that a breach of Data Protection laws?

They certainly do share information between each other.

It’s unlikely that insurance company A would actually send a phone conversation over, but verbal confirmation about what’s been spoken about is shared all the time.

Insurers will often get information from CUE, then call the insurer that put the information on CUE to confirm whats been logged online.

There’s a weird misconception between a lot of consumers that GDPR keeps their information from being shared, it really doesn’t, it just means that they have to be able to show ‘why’ they’ve shared it. And in most cases, it’s simple for ‘the detection / prevention of fraud purposes’

lopsyfa

makara wrote: »

Thanks a ton - I will speak to "Axa" tomorrow, and ask them about possibly wanting to cancel the latest incident repairs (and hopefully also find out from them if THEY are going to cancel my insurance / or not).

I hope you don't ask them whether they want to cancel your insurance. If they mention it fine, if not I will not ask that question. Just in case you don't prompt them into it :-)

makara

lopsyfa wrote: »

I hope you don't ask them whether they want to cancel your insurance. If they mention it fine, if not I will not ask that question. Just in case you don't prompt them into it :-)

A good point...and well timed! Thanks, I will remember your sage advice to not give them any ideas ;-)

makara

BTW, I have a question - how did all of you who responded to my thread come across it?? Do you have some sort of option that automatically notifies you of all new threads?

Or did you all pick it out of "new threads" because it was something you found of interest?

I don't seem to get alerted by E-mail to new threads...so was wondering if there is an option (although I DO get notified of posts added to threads I am already subscribed to).

Jumblebumble

makara wrote: »

Hadn't thought of that...that the fact that the person I spoke to at Hastings told me that "X" was the reason my insurance was cancelled, whereas the reason given on my online Portal was "Y" meant that person (not me nor the person uploading the letter on my portal) was the confused one.

As for me "not remembering" the phone conversation - isn't that why Insurance companies record all phone conversations? So that if you say "I don't remember" or "I disagree", they can play back the recording to you / to the FOS / to your new insurer?

Although that said I do see your point about Hastings not wanting to get in a situation where they will effectively end up "rocking their own boat" if they start internally contradicting themselves :-)

Also I would imagine if you start telling other insurance companies things that differ from the official written record you should perhaps ask yourself "what could possibly go wrong as far as CUE reporting is concerned?"
I am pretty confident that no one will be bothering to listen to calls let alone disclosing them to anyone else and if they do then my view is the ombudsman will ask "why the discrepancy" to which the only answer is "because we are idiots"
I would always say that on line trumps phone call and last updated information wins.
Otherwise business would collapse
Do bear in mind that what you do subsequently has nothing to do with Hastings and I cannot imagine them taking much interest in what an ex customer does.

JumbleBumble

makara

kelevraz wrote: »

And here lays another problem that i (and many) have with insurance.. the problem is, what one underwriter see's isnt what another see's.

One of the insurers ive worked for (and many others) will treat a 'notification only' in the exact same way as they treat a 'nonfault'.

Seems you were spot on -

Today I phoned both of my cars' insurance companies, and told each of them that as the marks left on each of my cars by other (at Fault) drivers were RELATIVELY minor, could I cancel the two May 2019 claims? Both insurers allowed it WITHOUT costs to myself


- however...when I went through one of the comparison sites, and included the two "Notification only" May 2019 incidents, hardly any insurers gave a "fair" quote

- the one company that DID treat 2 x Notifications as being the same as a "2 x nothing" were Provident.

Others as you hinted did indeed hike the quotes considerably.

Guess who WON'T be getting my business, and who will!

makara

Jumblebumble wrote: »

I would always say that on line trumps phone call and last updated information wins.


I would agree that the written word beats the spoken word - and that the last to the table supersedes anything earlier on.


Do bear in mind that what you do subsequently has nothing to do with Hastings and I cannot imagine them taking much interest in what an ex customer does.



I agree in general - although my only concern is that if I move on to other insurers for both my cars, and then in future have any coming-togethers with drivers who are (then) insured with either Hastings or Axa...might they start dredging up my "murky past" (so to speak!) to my new insurers...?

makara

Jumblebumble wrote: »

Also I would imagine if you start telling other insurance companies things that differ from the official written record you should perhaps ask yourself "what could possibly go wrong as far as CUE reporting is concerned?"

Are you hinting that it will prove CUE is in a contradictory shambles?

Or that I will shoot myself in the foot?