Counting to 13 days for insurance purposes.

Jumblebumble

Herzlos said:

It sounds like they counted the 23rd as a day, meaning yesterday (the 7th) was day 13, and thus it expired at midnight. That's how I'd assume most businesses regard days, whilst you've interpreted it as a literal 312 hours.

Why did he leave it until the last minute to get it fitted? Was it something you could do at home or did it need booked in somewhere? Because if you can explain that the issue was with getting a timely booking you may be able to do something about it.
If it was something you could have plugged in on the 23rd Feb and you delayed as long as possible to avoid the tracking, then you're not in a good position.

Does a  Day Insurance Policy issued at 18.00 expire at midnight the same day?
If  I buy a product from a trader and they specify they will deliver "within one day of order"  how does this mean midnight same day ?
 Having said I agree it is a tad  foolish to leave such things to the last minute

@OP
I would put in a formal complaint and then go to ombudsman who will hopefully say the Insurance company have been ambiguous and will side with you

Vizard

Jumblebumble said:

Herzlos said:

It sounds like they counted the 23rd as a day, meaning yesterday (the 7th) was day 13, and thus it expired at midnight. That's how I'd assume most businesses regard days, whilst you've interpreted it as a literal 312 hours.

Why did he leave it until the last minute to get it fitted? Was it something you could do at home or did it need booked in somewhere? Because if you can explain that the issue was with getting a timely booking you may be able to do something about it.
If it was something you could have plugged in on the 23rd Feb and you delayed as long as possible to avoid the tracking, then you're not in a good position.

Does a  Day Insurance Policy issued at 18.00 expire at midnight the same day?
If  I buy a product from a trader and they specify they will deliver "within one day of order"  how does this mean midnight same day ?
 Having said I agree it is a tad  foolish to leave such things to the last minute

@OP
I would put in a formal complaint and then go to ombudsman who will hopefully say the Insurance company have been ambiguous and will side with you

I am currently taking the view that it was a lucky escape. If they were that awful to deal with when setting up the policy, what would they be like if we claimed? 

The policy we've taken out now is not the same. It doesn't have a black box and the terms are different, so it might be difficult to quantify our loss for the purposes of making an Ombudsman's claim.

chrisw

He was extremely lucky to avoid a cancellation on his record which would have caused grief for ever more.

As you say, lucky escape, hopefully he will have learned something from it and move on.

Herzlos

Jumblebumble said:

Herzlos said:

It sounds like they counted the 23rd as a day, meaning yesterday (the 7th) was day 13, and thus it expired at midnight. That's how I'd assume most businesses regard days, whilst you've interpreted it as a literal 312 hours.

Why did he leave it until the last minute to get it fitted? Was it something you could do at home or did it need booked in somewhere? Because if you can explain that the issue was with getting a timely booking you may be able to do something about it.
If it was something you could have plugged in on the 23rd Feb and you delayed as long as possible to avoid the tracking, then you're not in a good position.

Does a  Day Insurance Policy issued at 18.00 expire at midnight the same day?
If  I buy a product from a trader and they specify they will deliver "within one day of order"  how does this mean midnight same day ?
 Having said I agree it is a tad  foolish to leave such things to the last minute

@OP
I would put in a formal complaint and then go to ombudsman who will hopefully say the Insurance company have been ambiguous and will side with you

A day is a rotation of the earth relative to the sun (so a dawn, daylight, dusk, night cycle), so I'd expect a day to expire overnight some time, probably midnight.

24 hours is,  6pm to the following 6pm.

If I ordered something at noon for same day delivery, and it didn't arrive until 11:55am (the next morning), I'd be annoyed. If I ordered something with 24 hour delivery then it'd be fine. 

The same happens with car rentals generally. You pay for the 'day' even if it's less than 24 hours. Collect it at 2pm and return it at 1pm and you're almost certainly paying for 2 days hire even if you've only had it 23 hours.

ontheroad1970

Herzlos said:

Jumblebumble said:

Herzlos said:

It sounds like they counted the 23rd as a day, meaning yesterday (the 7th) was day 13, and thus it expired at midnight. That's how I'd assume most businesses regard days, whilst you've interpreted it as a literal 312 hours.

Why did he leave it until the last minute to get it fitted? Was it something you could do at home or did it need booked in somewhere? Because if you can explain that the issue was with getting a timely booking you may be able to do something about it.
If it was something you could have plugged in on the 23rd Feb and you delayed as long as possible to avoid the tracking, then you're not in a good position.

Does a  Day Insurance Policy issued at 18.00 expire at midnight the same day?
If  I buy a product from a trader and they specify they will deliver "within one day of order"  how does this mean midnight same day ?
 Having said I agree it is a tad  foolish to leave such things to the last minute

@OP
I would put in a formal complaint and then go to ombudsman who will hopefully say the Insurance company have been ambiguous and will side with you

A day is a rotation of the earth relative to the sun (so a dawn, daylight, dusk, night cycle), so I'd expect a day to expire overnight some time, probably midnight.

24 hours is,  6pm to the following 6pm.

If I ordered something at noon for same day delivery, and it didn't arrive until 11:55am (the next morning), I'd be annoyed. If I ordered something with 24 hour delivery then it'd be fine. 

The same happens with car rentals generally. You pay for the 'day' even if it's less than 24 hours. Collect it at 2pm and return it at 1pm and you're almost certainly paying for 2 days hire even if you've only had it 23 hours.

Just checked  this on avis and it's not the case.  Hire at 2pm return 2pm the next day same price as hiring at 10am returning same day at 7pm

DullGreyGuy

Herzlos said:

Jumblebumble said:

Herzlos said:

It sounds like they counted the 23rd as a day, meaning yesterday (the 7th) was day 13, and thus it expired at midnight. That's how I'd assume most businesses regard days, whilst you've interpreted it as a literal 312 hours.

Why did he leave it until the last minute to get it fitted? Was it something you could do at home or did it need booked in somewhere? Because if you can explain that the issue was with getting a timely booking you may be able to do something about it.
If it was something you could have plugged in on the 23rd Feb and you delayed as long as possible to avoid the tracking, then you're not in a good position.

Does a  Day Insurance Policy issued at 18.00 expire at midnight the same day?
If  I buy a product from a trader and they specify they will deliver "within one day of order"  how does this mean midnight same day ?
 Having said I agree it is a tad  foolish to leave such things to the last minute

@OP
I would put in a formal complaint and then go to ombudsman who will hopefully say the Insurance company have been ambiguous and will side with you

A day is a rotation of the earth relative to the sun (so a dawn, daylight, dusk, night cycle), so I'd expect a day to expire overnight some time, probably midnight.

24 hours is,  6pm to the following 6pm.

If I ordered something at noon for same day delivery, and it didn't arrive until 11:55am (the next morning), I'd be annoyed. If I ordered something with 24 hour delivery then it'd be fine. 

The same happens with car rentals generally. You pay for the 'day' even if it's less than 24 hours. Collect it at 2pm and return it at 1pm and you're almost certainly paying for 2 days hire even if you've only had it 23 hours.

https://dictionary.cambridge.org/dictionary/english/day
Other than the dictionary defines it as a 24 hour period

You will always get oddities though, a 1 day travel card bought at 1 minute past midnight is actually valid until 4:30am the following morning and so over 30 hours despite its name

Vizard

The nub seems to be, their T&Cs say: 

"You must have the Hastings Direct app downloaded to your phone and paired with your YouDrive tab within 13 days of your policy’s start date"

The Certificate of Insurance says: "Effective date of the commencement of insurance for the purpose of the relevant law Your insurance starts at 17.51 on 23rd February 2023"

They are relying upon a reminder letter that says saying the tab must be paired "before 8th March". However as far as I am aware, the Certificate of Insurance is chapter and verse of the terms of insurance.

So, what do we think? Ombudsman's complaint or not?