warning - 1st Central hike price scam

WheresmeMoneygone

Just to clarify my previous thread …
The single page certificate in section five stated me as the only person insured on the policy to drive the vehicle.
It has no reference to driving other vehicles.
I think it should state a yes you are AND a no you are not statement.
If you watch any of the police programs, drivers are regularly caught out by assuming that they are covered 3rd party to drive other vehicles.
Again, my fault for not ascertaining my entitlement.
By the way .. their website has very little obvious contact detail. There is no “How to contact us” tab.

Such is life eh!

cw8825

WheresmeMoneygone said:

Just to clarify my previous thread …
The single page certificate in section five stated me as the only person insured on the policy to drive the vehicle.
It has no reference to driving other vehicles.
I think it should state a yes you are AND a no you are not statement.
If you watch any of the police programs, drivers are regularly caught out by assuming that they are covered 3rd party to drive other vehicles.
Again, my fault for not ascertaining my entitlement.
By the way .. their website has very little obvious contact detail. There is no “How to contact us” tab.

Such is life eh!

It need to state yes you or or no you are not.

if it states it then you are covered
With Driving other cars the general assumption it is always included but it’s down to the underwriter and is not guranteed on a normal everyday policy. 

If you wanted it Guranteed you would need to find a policy that is not aimed at the mass market

in terms of the cancellation fee - how often do you actually need to drive somebody else’s car?

stew22

I have just had a similar experience from 1st Central. I gave all correct information at time of quote, pointing out I was I employment, had 10yrs no claims discount and been involved in an accident that was not my fault. Having then being asked to provide the NCD from my previous insurer I did so. I then received a call saying that they had had to make changes to my policy as I had not disclosed things at the time. They were wanting a one off payment of over £500. I pointed out that, although on garden leave from work this still legally meant i was employed at the time of taking out the policy. I disputed their claim and told them I wanted to cancel my policy. They admitted during the call that I had not been at fault and acknowledged there was a delay in their part in processing my paperwork. They wavered the early cancellation fee of £50 and administration fee of £50 but calculated I still owed about £37 (minus the direct debit that had just come out) having added on an arrangement fee of £50 and giving me seven days to pay. I have emailed them pointing out that as there should not be an arrangement fee as no changes should have to be made to the policy that in actual fact they owe me around £25. I have requested they respond and find a way to pay me. Interestingly, after I had the telephone conversation earlier and a confirmation email stating I owed around £37 I received a further email a couple of hours later as though the telephone conversation had never taken place and asking for the £500 premium.

blueberrypie

Reporting another similiar experience with 1st Central. Policy taken out a few weeks ago, main driver + 2 named drivers. One of the named drivers (call him Fred) has his own vehicle and has insurance on that vehicle. A claim was made on Fred's insurance policy about three years ago, but Joe, not Fred, was driving. Joe was at fault but Fred's no-claims discount was unaffected.

1st Central emailed to say that the database showed an accident on xxx date involving Fred. Letters from Fred's insurer were provided, along with an explanation. One of the letters provided was addressed to Fred saying that he had no claims, another was addressed to Joe saying he had a claim on xxx date (1st Central didn't ask for this, but it seemed sensible to provided the evidence for the claim on that date).

1st Central then emailed again to say that as Fred was involved in an accident on xxx date, there would be an additional charge of £9.99 on the policy premium, + £50 admin fee for the change.

A phone-call to 1st Central sorted it out in our case - the very helpful person on the phone went and perused the documents we'd provided, then agreed that they'd made an error and that there would be no amendment, no extra premium and no admin fee. But it does sound like this is becoming a habit with them.