Error in start date - 1st Central insurance

moomin82

I took out a policy with 1st Central insurance yesterday. When my certificate came through it had the wrong start date on it. I rang them up and they said they cannot change it. I would have to cancel the policy completely. There is a £14 something charge to cancel it, and I lose my first payment. I find this unfair. They were the cheapest quote on the comparison websites but please can you all warn me if I should be running for the hills? They seem to have a lot of bad reviews! The next quotes up were AA and More Than - sound more trustworthy?!

born_again

What date did they provide & what date did you enter?

Assuming you did it online. You did not have to correct a error, or fill in some missing info when submitting did you? As often that will reset date back to the 1st date available.

AdrianC

moomin82 said:

I took out a policy with 1st Central insurance yesterday. When my certificate came through it had the wrong start date on it. I rang them up and they said they cannot change it. I would have to cancel the policy completely. There is a £14 something charge to cancel it, and I lose my first payment. I find this unfair. They were the cheapest quote on the comparison websites but please can you all warn me if I should be running for the hills? They seem to have a lot of bad reviews! The next quotes up were AA and More Than - sound more trustworthy?!

1st Central are just the broker, your insurance will be with somebody else through them.

So what's the issue with the policy start date?

moomin82

They put a day ahead 18th, but I entered the 17th. Feeling cautious about them.. 

moomin82

I specifically need it a day earlier as I am travelling to collect the car then and otherwise it won’t be road worthy.. will probably cancel as I am fed up already

AdrianC

moomin82 said:

I specifically need it a day earlier as I am travelling to collect the car then and otherwise it won’t be road worthy.. will probably cancel as I am fed up already

Can you put the collection back a day...?

moomin82

I think I am going to have to if I stick with them. I’m still on my cooling off period technically, I don’t fancy the extra charges for cancellation and that they do nothing to correct the error.

AdrianC

If at all possible, it would certainly be the path of least resistance.

So all the (electronic) paperwork before you took the policy out said 17th...? Or...?

Grumpy_chap

OR, get "Day Insurance" for just the one day...

Car_54

You have bought the cheapest policy available, and found out early that you get what you pay for. What will it be like if you have to claim?
Cancel now before it's to late and take your business elsewhere - 

Scrapit

Use cuvva or someone similar to get you home and then you are good. Sounds like your insurance company is pants though.