Insurance and 14 day cooling off period.
Discussion
Amused2death said:
2ono said:
Just a quick question, paid in full for car insurance on 29/09/16, policy doesn't actually start until 16/10/16 when does my 14 day cooling off period start, as I'm now thinking of changing one of the cars.
Sorry for the thread hijack....
I believe, in your case, the 14 days starts when the policy comes into force.Sorry for the thread hijack....
From: http://www.moneysupermarket.com/car-insurance/blog...
"The cooling-off period starts when you receive your documents, or when the cover begins, whichever is the later. But the insurer can still apply a fee to cover the cost of administration"
Where you have come unstuck is that you have read a policy wording. These describe all the covers that CAN form part of the covers I.e it will mentioned tpft and comp covers, and even driving other cars.
The policy has to be read in conjunction with the policy schedule and the certificate of insurance to see what is actually covered. Driving other cars is activated by it being mentioned on the certificate.
That said DoC is being phased out so will be a mute point soon
The policy has to be read in conjunction with the policy schedule and the certificate of insurance to see what is actually covered. Driving other cars is activated by it being mentioned on the certificate.
That said DoC is being phased out so will be a mute point soon
JumboBeef said:
mcflurry said:
ATM said:
I've just cancelled a policy with Adrian Flux within the 14 day cooling off period for a genuine reason - rather than trying to get a few days cheap insurance - and they have charged me for the days used plus £65 admin fee. That's quite steep for an admin fee and kind of makes the exercise a bit pointless.
Wonder how many people use a company again after such a large charge?After all, the proverb says, "you can shear a sheep many times, but only slaughter it once"
insurance_jon said:
Where you have come unstuck is that you have read a policy wording. These describe all the covers that CAN form part of the covers I.e it will mentioned tpft and comp covers, and even driving other cars.
The policy has to be read in conjunction with the policy schedule and the certificate of insurance to see what is actually covered. Driving other cars is activated by it being mentioned on the certificate.
That said DoC is being phased out so will be a mute point soon
Why do you say DoC is being phased out? Some insurers may be doing so, but I don't think it's going completely.The policy has to be read in conjunction with the policy schedule and the certificate of insurance to see what is actually covered. Driving other cars is activated by it being mentioned on the certificate.
That said DoC is being phased out so will be a mute point soon
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