Excessive insurance cancellation fees

[Simon_m]

Vaud said:

It has been resolved, but no, not as you outlined it.

I don't get where you're coming from?

[The Mad Monk]

Simon_m said:

Thanks, one of the fees was for breakdown cover at £90 for the year, they've said as it was an extra they have to charge the full amount. This seems to be standard practice, although I wasn't given the option of keeping the breakdown cover even though I have paid for it for the full year! So it seems I have paid a years worth of breakdown cover but as I have cancelled the insurance I can't use it, this is surely unfair practice?

I understand the deposit I paid would cover me for the first month but what about the DD taken yesterday, I wonder what that covers, on the face of it 1 days worth of cover.

Seems like cancelling your policy is a licence to print money.

If they do charge what you consider an unreasonable amount, then give them due warning that you will take them to the small claims court. If you don't get a satisfactory response then do that. It will cost you very little money to take the case to court, but it will cost them a lot to defend it. Even if you lose, it will cost you a small amount.

[The Mad Monk]

sebhaque said:

I've often wondered about tyres and insurance. One of my previous cars came with a certain set of tyres fitted as standard from the factory - they were pretty st tyres so I took the first opportunity to bin the Pirellis and stuck a fantastic set of Toyos on. Did I declare this as a modification? I did not. My argument is that 70% of drivers fit their cars with the sttest, cheapest tyres they can find, usually mismatched for every wheel. Like fk do they declare that. I see no modification in changing tyres unless you're turning your car into a monster truck. If nobody needs to declare it for the WingWang stSham tyres they're fitting to their Corsas, I'll follow suit in fitting PilotSports to my TVR.

Why do you bother swearing in your post? You do realise that swear words are masked, don't you?

Or perhaps you are not very good at reading?

It does tend to make people think that perhaps you are not very intelligent.

[sebhaque]

The Mad Monk said:

Why do you bother swearing in your post? You do realise that swear words are masked, don't you?

Or perhaps you are not very good at reading?

It does tend to make people think that perhaps you are not very intelligent.

I had been out for a few beers when I made that post last night so the peppering of swear words is primarily down to the alcohol. I'd like to think I'm relatively coherent when I speak or write, but I'd agree that alcohol does tend to mask the intelligence of people at times.

Edit: I hope this explains the situation without giving you the rise out of me you were trying to achieve.

[Vaud]

Simon_m said:

I don't get where you're coming from?

Sorry it wasn't very clear... yes you have resolved it but there was no need for the ombudsman, you hadn't exhausted their official complaints process.

[The Mad Monk]

sebhaque said:

I had been out for a few beers when I made that post last night so the peppering of swear words is primarily down to the alcohol. I'd like to think I'm relatively coherent when I speak or write, but I'd agree that alcohol does tend to mask the intelligence of people at times.

Edit: I hope this explains the situation without giving you the rise out of me you were trying to achieve.

Please believe me. I was not trying to get a rise out of you.

I really wish people would refrain from swearing.