Car Insurance Article Discussion

Steve_xx

thesecret wrote: »

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:;)

You said that the policy states that it wont pay out in the event that a member of your family steals the car. Have you loooked at the policy yet; does it say this?

Steve_xx

Neil_Dem wrote: »

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?

I would think that you will have to move it off of a public road and the complete a SORN. Here is a link:

http://www.direct.gov.uk/en/Motoring/OwningAVehicle/UntaxedVehicle/DG_4022058

raskazz

tajmahal2222 wrote: »

The speeding points did not cost the insurance company a single penny, so what would happen if my colleague refuses to pay?

Well, clearly if they wwould have loaded the premium by £x had the convictions been correctly disclosed then it has cost them £x i.e. they have not collected the full premium due. Whether the FOS would support them is another matter.

Quentin

tajmahal2222 wrote: »

so what would happen if my colleague refuses to pay?

They will institute their debt collection procedures. (If he continues to refuse, then this will escalate and could result in credit file black marking/county court/bailiff etc)

sarahj9998

Hi,

I took out Car Insurance with the Post Office back in march 2011. At the end of Dec I part ex'd the car for a Peugeot Just add Fuel deal and cancelled my Post Office at the end of Dec.

the Post Office are demanding that I pay the outstanding balance plus an extra £38.

My Question is, can they do that if I informed them I no longer needed the insurance?

also, when I found out that canceling will cost me more than if I carried on paying for the three months, they said it would be fraudulent and wouldn't let me do this either!

Can anyone help me clear this up? the customer service at the PO are terrible and do not want to help me

Sarah

Quentin

Ask them to itemise the cancellation fees they are asking for and if there are any charges you disagree with dispute them.

Read up in your policy about what charges to expect when you cancel - there will dertainly be some due, and often they are hefty!

They won't just forget about this, and will escalate the matter to get paid - whuch could involve debt collectors/credit list blacking/court/bailiffs etc!

osmanager

Just got a letter from my car insurer and they are asking for an extra £120. Reason I failed to declare a non-fault claim of £0. When I rang they said that they were charging me this for this year and the year previous, this was not stated in the letter.
Is this allowed - I know I made a mistake when reviewing the certificate but can they back date their insurance quotes like that.
Waiting to hear from the manager of the insurer to see what they say. Any advise gladly excepted.

Desperate_Housewife_2-2

tajmahal2222 wrote: »

There's a couple of questions that Martin leaves unanswered. First, he says premiums are cheaper at this time of year. Why's that? And when will they go back up again?

Secondly, in his weekly email he says:

"One MoneySaver e-mailed me to say he'd not realised he had to declare his speeding cam points to his insurer. When he did, it charged him £900 back-dated as a retrospective rise in premium."

This is exactly what has happened to a colleague of mine at work (well nearly so, as it wasn't quite as much as £900.) I wonder what happened, did he pay up or is he taking the insurance company to court?

My colleague's insurance policy had already expired before they realised about the undeclared speeding points. It was a genuine oversight caused by a belief that the DVLA would have told the insurance company about the points. My colleague did not make any claims, so the points had made no difference to the insurance company. And yet they are still asking for a retrospective additional premium. The speeding points did not cost the insurance company a single penny, so what would happen if my colleague refuses to pay?

I have just had this very same scenario, my insurance company said they didnt know about the 3 points for going througha red light and hvae backdated my premiums by £90+ I asked what would happen if I didnt pay and they said they would put it through to a debt collection agency


I paid up.

h.tolerance

hi,

I am in a similar situation, i am 29 and minimum quotation is 2k for Third party cover and small engine cars. Comprehensive is around 2.5k. My first car and recently got licence. Could you please suggest me which way shall i go. thanks in advance

osmanager

osmanager wrote: »

Just got a letter from my car insurer and they are asking for an extra £120. Reason I failed to declare a non-fault claim of £0. When I rang they said that they were charging me this for this year and the year previous, this was not stated in the letter.
Is this allowed - I know I made a mistake when reviewing the certificate but can they back date their insurance quotes like that.
Waiting to hear from the manager of the insurer to see what they say. Any advise gladly excepted.

Just got off the phone - Got £17 knocked off as I was unhappy!
Looked at policy document and it does say they would charge for updates to the policy - £120 is a bit steep.

What makes me MAD :mad: is that as with all insurance is the premiums go UP, when you do the right thing and tell them of an incident even if it costs them nothing. In this case, we clashed wing mirrors and exchanged insurance details (just in case we needed to claim) even though we did not in the end. Now that is costing me - yet if I had not told them I would be better off.
Hmmm!:mad: