When to tell insurers

Author
Discussion

LoonR1

26,988 posts

177 months

Friday 20th November 2015
quotequote all
Well that's no good. What about all the horror stories?

tumble dryer

2,017 posts

127 months

Friday 20th November 2015
quotequote all
LoonR1 said:
Well that's no good. What about all the horror stories?
They come at renewal time. biggrin

LoonR1

26,988 posts

177 months

Friday 20th November 2015
quotequote all
tumble dryer said:
They come at renewal time. biggrin
For his first speeding offence? Even that's going to be unlikely. I hope the OP posts back on here after renewal.

2Btoo

3,426 posts

203 months

Friday 20th November 2015
quotequote all
LoonR1 said:
tumble dryer said:
They come at renewal time. biggrin
For his first speeding offence? Even that's going to be unlikely. I hope the OP posts back on here after renewal.
Really? As in, one speeding offence doesn't make much difference to insurance premiums?

I hope I'll never find out, but that's kinda comforting.

LoonR1

26,988 posts

177 months

Friday 20th November 2015
quotequote all
2Btoo said:
LoonR1 said:
tumble dryer said:
They come at renewal time. biggrin
For his first speeding offence? Even that's going to be unlikely. I hope the OP posts back on here after renewal.
Really? As in, one speeding offence doesn't make much difference to insurance premiums?

I hope I'll never find out, but that's kinda comforting.
Yep, many on here will confirm that.

Drawweight

2,884 posts

116 months

Friday 20th November 2015
quotequote all
LoonR1 said:
The you should've told them to do one, as they can't charge you for that. Go back and tell the. You want a refund as it was a not a valid time to levy a charge.
You reckon I can do that? I suppose you of all folk should know.

The guy said they had to amend the policy documents (they did send new ones if I recall correctly)

tumble dryer

2,017 posts

127 months

Friday 20th November 2015
quotequote all
LoonR1 said:
2Btoo said:
LoonR1 said:
tumble dryer said:
They come at renewal time. biggrin
For his first speeding offence? Even that's going to be unlikely. I hope the OP posts back on here after renewal.
Really? As in, one speeding offence doesn't make much difference to insurance premiums?

I hope I'll never find out, but that's kinda comforting.
Yep, many on here will confirm that.
Including me. (It was just a throwaway...)smile

TwigtheWonderkid

43,370 posts

150 months

Friday 20th November 2015
quotequote all
Drawweight said:
LoonR1 said:
The you should've told them to do one, as they can't charge you for that. Go back and tell the. You want a refund as it was a not a valid time to levy a charge.
You reckon I can do that? I suppose you of all folk should know.

The guy said they had to amend the policy documents (they did send new ones if I recall correctly)
They didn't have to amend anything, they could have diaried it to amend at next renewal. They chose to do the amendment, so you shouldn't be paying for that. Go back to them, and threaten to report the matter to the ABI if they don't refund the admin fee.

LoonR1

26,988 posts

177 months

Friday 20th November 2015
quotequote all
TwigtheWonderkid said:
Drawweight said:
LoonR1 said:
The you should've told them to do one, as they can't charge you for that. Go back and tell the. You want a refund as it was a not a valid time to levy a charge.
You reckon I can do that? I suppose you of all folk should know.

The guy said they had to amend the policy documents (they did send new ones if I recall correctly)
They didn't have to amend anything, they could have diaried it to amend at next renewal. They chose to do the amendment, so you shouldn't be paying for that. Go back to them, and threaten to report the matter to the ABI if they don't refund the admin fee.
Come on, really. The ABI? That's a trade body, why would that care?

You complain, go through that process (they'll refund during this process) and then onto the FOS if needed. It won't be btw

BertBert

19,040 posts

211 months

Friday 20th November 2015
quotequote all
Been on the sauce again?
I preferred Twig's answer.
Bert

LoonR1 said:
Common sense.

I know we don't like that though, as we need to be told precisely what is and isn't acceptable and pedantry is crucial. Of course this needs to be set against our absolutely hatred of the idea of a controlling Nanny State, apart from where we need the Nanny State, which we will rage against, unless we need it, but of course we have to oppose it, because it's what we fought against, ermm I mean for, I mean we have to oppose things like the Daily Mail, but we have to hate the lefties too and liberals too.

TwigtheWonderkid

43,370 posts

150 months

Saturday 21st November 2015
quotequote all
LoonR1 said:
Come on, really. The ABI? That's a trade body, why would that care?
They won't, but in my experience when they realise the customer is upset about it and even knows who the trade body is, they will refund the money no problem. They should have never levied the charge.

LoonR1

26,988 posts

177 months

Saturday 21st November 2015
quotequote all
TwigtheWonderkid said:
They won't, but in my experience when they realise the customer is upset about it and even knows who the trade body is, they will refund the money no problem. They should have never levied the charge.
Do you really think a complaints dept don't know who the ABI is? Your advice is usually better than this.

TwigtheWonderkid

43,370 posts

150 months

Saturday 21st November 2015
quotequote all
LoonR1 said:
TwigtheWonderkid said:
They won't, but in my experience when they realise the customer is upset about it and even knows who the trade body is, they will refund the money no problem. They should have never levied the charge.
Do you really think a complaints dept don't know who the ABI is? Your advice is usually better than this.
The fact that the customer knows who the ABI is and has called up to complain and mention them should do the trick. Proof of the pudding, let him give it a go and see what response he gets. If they tell him to eff off, you were right and I was wrong.

LoonR1

26,988 posts

177 months

Saturday 21st November 2015
quotequote all
TwigtheWonderkid said:
The fact that the customer knows who the ABI is and has called up to complain and mention them should do the trick. Proof of the pudding, let him give it a go and see what response he gets. If they tell him to eff off, you were right and I was wrong.
No trade body is going to tell you to eff off. They're going to smile nicely at you and maybe even take your details. Then they'll either do eff all or tell you to ring your insurer.

TwigtheWonderkid

43,370 posts

150 months

Saturday 21st November 2015
quotequote all
LoonR1 said:
No trade body is going to tell you to eff off. They're going to smile nicely at you and maybe even take your details. Then they'll either do eff all or tell you to ring your insurer.
Loon, suggest you read what I wrote. I'm not suggesting he calls the ABI. Of course not. He should call the insurers, demand his money back and threaten to report them to the ABI. That is all.

LoonR1

26,988 posts

177 months

Saturday 21st November 2015
quotequote all
TwigtheWonderkid said:
Loon, suggest you read what I wrote. I'm not suggesting he calls the ABI. Of course not. He should call the insurers, demand his money back and threaten to report them to the ABI. That is all.
To which most customer facing staff will say "who?" and all complaints staff will say "oh" about.

Just advise him correctly to make a complaint via the internal complaints process rather than complicating the situation with irrelevances.

In fact, I'm so pissed off with you I might report you to the PFA tongue out

TwigtheWonderkid

43,370 posts

150 months

Saturday 21st November 2015
quotequote all
LoonR1 said:
To which most customer facing staff will say "who?" and all complaints staff will say "oh" about.

Just advise him correctly to make a complaint via the internal complaints process rather than complicating the situation with irrelevances.

In fact, I'm so pissed off with you I might report you to the PFA tongue out
I'll raise you UEFA.

LoonR1

26,988 posts

177 months

Saturday 21st November 2015
quotequote all
TwigtheWonderkid said:
I'll raise you UEFA.
All corrupt and a governing body allegedly. I've had a word with the Association of Bodyshop Professionals and they told me to eff off. Does that mean I win?

Targarama

Original Poster:

14,635 posts

283 months

Saturday 21st November 2015
quotequote all
2Btoo said:
LoonR1 said:
tumble dryer said:
They come at renewal time. biggrin
For his first speeding offence? Even that's going to be unlikely. I hope the OP posts back on here after renewal.
Really? As in, one speeding offence doesn't make much difference to insurance premiums?

I hope I'll never find out, but that's kinda comforting.
I'm also a named driver on my wife's Fester, which is up for renewal on 1/12. I will let you know if they hike the current renewal quote.

Drawweight

2,884 posts

116 months

Sunday 22nd November 2015
quotequote all

Well that was remarkably easy.

I phoned the broker this morning and it took about 10 minutes for them to agree to refund on my card.

Thanks Loon