Hastings car insurance cancelled

carlabusby

So I took out car insurance in January with Hastings direct with me as the main driver and my partner as a named driver. I stated that we were both employed but 2 weeks later my partner lost his job. I received an email from Hastings asking to confirm our occupations which I then put me as employed and my partner unemployed. Due to the change they cancelled my policy and wanted me to pay remainder £410 which I can’t. They have now passed my debt onto a debt collector. I have been working hard for the past 2 years to get my credit score to a stable. What could I do about this as I don’t think this is right at all? Any help would be appreciated?

[Deleted User]

If you can't pay in full, you'll need to make an arrangement to repay in installments. Don't worry about your credit score - all that matters is whether and how the debt is being reported.

If you can get new insurance (which may now be difficult), remember to keep them up to date with any material changes to avoid this happening again.

dunstonh

I suspect what has happened here is that Hastings believe that you have given them fraudulent information at point of sale. i.e. stating you were both employed but on checking, telling them your partner was unemployed.

You need to make clear to them that he was employed at the point of sale and only became unemployed after commencement..  You are required to notify them of employment changes and that does not appear to have happened until they brought it up.

They should bill you the difference in premium from the date of unemployment to now and an admin charge.  However, that is unlikely to be £410 unless you have a massive premium, to begin with.       If they cover unemployed people then they should charge you the increased premium for the remainder of the policy term but not cancel it.

If they are not taking the recency of the change of employment into account then you should complain.

penners324

No longer being able to get car insurance or at least very expensive insurance is far more concern.

You need to contact them today to get this sorted.