would you pay?
11 July 2009, 04:14 PM
#1
would you pay?
I cancelled an insurance policy about 4 months ago on a car I got rid of as it wasnt my thing, I made a phone call got the usual banter about staying with them but the car was sold and it wasnt needed. so I left it at that. cancelled the direct debit with the bank as i always do.
I also followed this up with an email to the broker confirming that I required it to be cancelled.
well when I bought my current car, I rang the insurance company up and asked for it to be insured, they tell me that the old policy is still running do i want to add it onto that one? I explained that it was meant to have been cancelled and I wouldnt be paying for any mess up on their behalf, the person agreed and said it must have ben n oversight on their part. so I said yes please that saves messing about as you have all the details, and didnt think anymore of it.
anyway the company has tried to take a large amount from my account to pay for the monthly instalments and I didnt have the funds to cover it so my bank cancelled the DD for me.
I had a call last week saying you owe 4 months worth of payments, bearing in mind id only had the car covered for under a month, I refused to pay stating the above and they said they would call me back later, I got a call from them whilst I was driving so I pulled over and they hung up before I could stop.
today I have recieved a nasty letter saying I owe £164 for what is basically a months insurance on a basic car. I would expect to pay that for a ferrari or something but not an alfa romeo lol.
what should I do??? gisc? ombudsman?? Im not sure how to approach it as I have used the company in the past with no issues and I really like the broker I talk to and I would hope to use them in the future, ( hence no names mentioned)
your input and opinion please,
I also followed this up with an email to the broker confirming that I required it to be cancelled.
well when I bought my current car, I rang the insurance company up and asked for it to be insured, they tell me that the old policy is still running do i want to add it onto that one? I explained that it was meant to have been cancelled and I wouldnt be paying for any mess up on their behalf, the person agreed and said it must have ben n oversight on their part. so I said yes please that saves messing about as you have all the details, and didnt think anymore of it.
anyway the company has tried to take a large amount from my account to pay for the monthly instalments and I didnt have the funds to cover it so my bank cancelled the DD for me.
I had a call last week saying you owe 4 months worth of payments, bearing in mind id only had the car covered for under a month, I refused to pay stating the above and they said they would call me back later, I got a call from them whilst I was driving so I pulled over and they hung up before I could stop.
today I have recieved a nasty letter saying I owe £164 for what is basically a months insurance on a basic car. I would expect to pay that for a ferrari or something but not an alfa romeo lol.
what should I do??? gisc? ombudsman?? Im not sure how to approach it as I have used the company in the past with no issues and I really like the broker I talk to and I would hope to use them in the future, ( hence no names mentioned)
your input and opinion please,
Last edited by Jamo; 11 July 2009 at 04:22 PM.
11 July 2009, 04:36 PM
#2
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I'd go straight back to the broker if I were you. Since you sent them an email confirming cancellation, both you and they have proof that the policy should have been cancelled.
11 July 2009, 05:00 PM
#4
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Letter to insurers explaining THEIR problem, asking for THEIR help to sort it. To the head of whichever dept is pursuing you for money.
It's what I did for my eldest when he had probs with Tesco not wanting to give him his 2 yrs ncd when he moved to Privilege. Got a letter back within a week with confirmation of his correct ncd.
It's what I did for my eldest when he had probs with Tesco not wanting to give him his 2 yrs ncd when he moved to Privilege. Got a letter back within a week with confirmation of his correct ncd.
11 July 2009, 05:37 PM
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I have direct debits for just that reason. They can run on if you don't check or simply forget about them.
Too late this time but please ALWAYS keep a hard copy print-off of cancellations.
My daughter wasn't checking her account but when she did found she was paying £25 per month for phone insurance when the company knew they had replaced the phone under contract over a year before.
dl
Too late this time but please ALWAYS keep a hard copy print-off of cancellations.
My daughter wasn't checking her account but when she did found she was paying £25 per month for phone insurance when the company knew they had replaced the phone under contract over a year before.
dl
11 July 2009, 05:47 PM
#6
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This happened to me when i was 17.
I had a supper-dooper Nova SR with the whopping 1.4 engine. I quickly tired of this staggering 90BHP of mayhem though and got a Cav GSI 4x4 with a supreme 150BHP of potential wickedness. Sadly though i couldn't bear to part with my lovely Nova (I'd have it again now In fact) so kept it and got a new policy for the Cav..
Now the funny part....ready for this all you young folk out there......3rd party ins on the Cav with no no-claims and having had a licence for about a year was a whopping £900odd i think. You wouldn't get insured on a invalid cart for that now would you
Then, suddenly 150BHP of craziness just wasn't enough so i had to get a Cav 4x4 Turbo. And for some reason the Nova insurers WOULD insure me on that so the Nova finally went and the Turbo put onto that policy that had a years NC by now too
So i needed to cancel the GSI insurance....but to do so the bastids charged me 2/3 of the full premium and threatened court action and the like to get it. So being young and foolish i paid up
Then about two years later they had been taken over by another company that asked me for a payment of about half what i had previously paid. I prove i had paid double that already and they said sorry and refunded me the difference
So in the end i had about 3-4 months insurance on a Cav GSI age 17 for about a fiver or something
An early WIN in a subsequent life full of winning
I had a supper-dooper Nova SR with the whopping 1.4 engine. I quickly tired of this staggering 90BHP of mayhem though and got a Cav GSI 4x4 with a supreme 150BHP of potential wickedness. Sadly though i couldn't bear to part with my lovely Nova (I'd have it again now In fact) so kept it and got a new policy for the Cav..
Now the funny part....ready for this all you young folk out there......3rd party ins on the Cav with no no-claims and having had a licence for about a year was a whopping £900odd i think. You wouldn't get insured on a invalid cart for that now would you
Then, suddenly 150BHP of craziness just wasn't enough so i had to get a Cav 4x4 Turbo. And for some reason the Nova insurers WOULD insure me on that so the Nova finally went and the Turbo put onto that policy that had a years NC by now too
So i needed to cancel the GSI insurance....but to do so the bastids charged me 2/3 of the full premium and threatened court action and the like to get it. So being young and foolish i paid up
Then about two years later they had been taken over by another company that asked me for a payment of about half what i had previously paid. I prove i had paid double that already and they said sorry and refunded me the difference
So in the end i had about 3-4 months insurance on a Cav GSI age 17 for about a fiver or something
An early WIN in a subsequent life full of winning
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