Car Insurance Article Discussion

clairibel

Be careful about cashback I have just done the comparison sites and swinton coming up the cheapest but when i go through topcashback for the £40 cashback the premium goes up with the same insurer :eek:

dp25

Hi there,

this is my first time posting on MoneySavingExpert and was hoping some of the community could provide some insight into an issue that I have run into with Tesco.

Having been made redundant and loosing the use a company car I purchased and took out insurance on a new vehicle at the end of November.

Having sent a copy of my previous NCD to Tesco (still within two years of being issued) they mistakenly believed this was proof of NCD for my sister with whom I used to share an address, thus sending her a letter stating the proof of NCD was unacceptable!

I therefore rang Tesco this evening to inform them of their mistake and was told it would be necessary for me to resend them the proof of NCD. The lady I was speaking to then went on to say that Tesco would need to review the NCD due to it being toward the end of the two year expiration period and that they may not accept it.

The crux of the matter is that had I been aware that Tesco would not accept my three years NCD then I would not have taken insurance with them in the first place and would not be liable for the cost of the higher level of premium without NCD that Tesco claim they would charge me should I wish to cancel the policy if they are unwilling to acknowledge the proof of NCD from Admiral.

Do any of you have advice as to my next step should Tesco refuse my proof of NCD?

Apologies for the long winded post.
D

Twiggy_34

clairibel wrote: »

Be careful about cashback I have just done the comparison sites and swinton coming up the cheapest but when i go through topcashback for the £40 cashback the premium goes up with the same insurer :eek:

Yes, I noticed discrepancies in price from their own website to that quoted via a comparison site (£20 cheaper via the comparison site but you then can't enter the cashback code).

Since then Quidco have offered £80 cashback for RAC which works out cheaper still for me, so that's what I'll be doing in the next 6 days before the offer runs out. Especially as I've heard some bad things about Swinton sales staff not being able to take no for an answer from a work colleague.

Twiggy_34

By the way - does anyone know what the rules are with regard to getting cashback via sites such as Quidco or TopCashBack and the stipulation that it is for new policies only. E.g. I was with Aviva years ago (when they were still Norwich Union) but have had policies elsewhere since... If I was to return to them (or any other insurer that I had previously been insured with) after time away, does that constitute a new policy or not?

I was wondering if anyone had any experience of this & perhaps have had successful cashback claims?

batz515

Hi
im 33 and im lookin into getting cheap car insurance because ive been quoted £2600 .. i am a 1st time driver and i would like some advice on this before i go and buy a car...

Didsburylass

Anyone know if its standard policy to charge you for the remaining months before your car insurance was due to run out - even though THEY have cancelled the policy? I have recently moved cities, and my insurers tell me they "don't do Manchester" so that's my policy cancelled. So I have to pay £100 to run out this policy and find a new one within a few days. It just doesn't seem right.

haroldas

My car was stolen a 6 weeks ago.Since then i didint hear anything from them.I try to contact them by phone an email with no luck.Last week i been told my case is passed to valuation team and nobody knows how long i have to wait until this case is finished.On insurance policy documents says 28 days for claims to be sorted out.Any advice would help.

dacouch

haroldas wrote: »

My car was stolen a 6 weeks ago.Since then i didint hear anything from them.I try to contact them by phone an email with no luck.Last week i been told my case is passed to valuation team and nobody knows how long i have to wait until this case is finished.On insurance policy documents says 28 days for claims to be sorted out.Any advice would help.

Insurers often wait 4 to 6 weeks to allow time for a stolen car to turn up before they assume it won't and proceed to calculate the value.

thesecret

Hi I am new hello to everyone I had my car stolen last week cut a long story as short as possible my son took the keys stole the car was in high speed chase involving police,arrested car taken to compound etc I have helped police fully!!
Now car insurance wont pay stating in the policy it says If a member of your family ,or someone who lives with you steals your car you dont get paid ???
He doesnt live with me but is my son??
I have never had a policy sent to me, I have been insured for years,and never ever have heard of this clause please someone advise me thankyou kindly:mad:;)

Neil_Dem

Hi. Hope someone doesn't mind helping me with advice.

I've bought a car today. But I only re-applied for my license yesterday after a ban, and I will need a medical. All in I expect to get my license late March.

I will not drive until I get my license. But in the meantime my car is on the street outside. How do I go about complying with the law re insurance?