Car Insurance Article Discussion

raskazz

Fiz91 wrote: »

I know why the payments werent being made..Seems my dad didnt have enough money in his bank account. Quin-Direct (my insurance company) say that they sent several letters, none of which i or my family have seen. The only 1 i have is the one i recieved today, saying that it's a CONFIRMATION of cancillation.. Could I argue that I thought i was entitled to drive untill the confirmation came in?

You could argue that, but unfortunately it would not be fruitful. It is your responsibility to ensure that you are insured, not merely to assume that you are insured.

The only real concession that the Road Traffic Act makes in respect of being 'unaware' that you are uninsured is where you are driving an employer's car in the course of your employment and you neither know nor have reason to believe that you are uninsured. Clearly that does not apply here.

I'm also slightly confused when you say 'you' received the confirmation of cancellation. Surely if the policy was in your father's name then the letters would be addressed to him?

dacouch

Quinn will have sent a recorded delivery letter to you giving you notice the policy was to be cancelled. I'm guessing this is the letter you have just received or there will be a recorded delivery letter that someone at your home has not signed for so it was sent back.

If you ring Quinn you can ask them when they sent the letter and the tracking ref which you can put into the Post Office Website and finds out what happened to the letter.

Have you checked your dads bank statements to find when the payments were due and when and how many times they bounced

Steve_xx

Perhaps if your dad was to make all of the payments due then maybe Quinn would reinstate the policy?

Fiz91

raskazz wrote: »

You could argue that, but unfortunately it would not be fruitful. It is your responsibility to ensure that you are insured, not merely to assume that you are insured.

The only real concession that the Road Traffic Act makes in respect of being 'unaware' that you are uninsured is where you are driving an employer's car in the course of your employment and you neither know nor have reason to believe that you are uninsured. Clearly that does not apply here.

I'm also slightly confused when you say 'you' received the confirmation of cancellation. Surely if the policy was in your father's name then the letters would be addressed to him?

I am sorry I was not clearer on this. When I got home, the mail man had already been to my door and put letters in. Amongst those was one from quinn direct addressed to my father. OBviously, having just been stopped by police and having my car seized, i opened it and thats when i saw the cancillation confirmation.

Fiz91

Steve_xx wrote: »

Perhaps if your dad was to make all of the payments due then maybe Quinn would reinstate the policy?

That would not help me, as the policy would start from the time the payments are made, which will not cover what happened to me today.

Fiz91

When morning comes, I am going to phone Quinn and try see what has happened. Clearly as you say Nigel, at first sight it seems they have made a mistake by not giving me sufficient notice, and i hope this first sight is correct

dacouch

Ask them when they sent the recorded delivery letter and ask or the tracking ref.

They will have sent a recorded delivery letter 7 days before the cancellation

Fiz91

dacouch wrote: »

Ask them when they sent the recorded delivery letter and ask or the tracking ref.

They will have sent a recorded delivery letter 7 days before the cancellation

the police told me that the policy was cancelled on the 17th of june. thats 8 days prior to the police stopping me.. do you think...??:rolleyes:

dacouch

Quinn#s policy states they send a letter giving you 10 days notice,

Does the letter you received state something along the lines of "We hereby give you notice that the above policy will be cancelled in 10 days time, it is an offence under the Road Traffic Act to use a vehicle without insurance against third party liabilities"

Or is the letter you received a letter just stating the policy has been cancelled and that you owe them x amount of premium

Tigerelle

Now i know there has to be a price for cancelling, i didnt want to leave Tesco, but they couldnt find my car with the reg and they couldnt find it manually so i felt i had no choice but to go elsewhere, the 1st lady i spoke to said it would cost me about £69 but i would get £40 back from the breakdown cover, which i was fine with, then when i spoke to a different person, he said my actual amount to cancel would be £169 surely this cant be allowed?