Problem with new insurance policy
Discussion
A friend of mine has a somewhat impractical rear rear drive two seat coupe so wanted a second car to use as a winter hack and for for runs to the dump and builders merchant (he's in the middle of doing up his house). On Saturday we found the car he wanted, and while we were returning from the bank with cash he used a popular insurance comparison website to purchase an insurance policy to cover the second car.
Today the insurance company followed up with some additional requests including a declaration about commuting as the policy doesn't cover commuting. The problem is he specifically selected "social, domestic, and committing to a single place of work" cover in his quote as he plans to use it to get to work if the weather turns, and the quote summary he received from the comparison site does include cover for commuting.
The insurance company want an additional premium (+admin charges for the change) but he purchased on the policy on the basis it provided the cover listed in the summary. So where does he stand when the quote from the comparison site says one thing, but the insurance company says something else?
Today the insurance company followed up with some additional requests including a declaration about commuting as the policy doesn't cover commuting. The problem is he specifically selected "social, domestic, and committing to a single place of work" cover in his quote as he plans to use it to get to work if the weather turns, and the quote summary he received from the comparison site does include cover for commuting.
The insurance company want an additional premium (+admin charges for the change) but he purchased on the policy on the basis it provided the cover listed in the summary. So where does he stand when the quote from the comparison site says one thing, but the insurance company says something else?
CaptainMorgan said:
What do the documents say that he would have emailed to him when he took the policy out?
Excellent question, the certificate of motor insurance states that travel between home and place of business is permitted, but the document return checklist he received asked him to confirm in writing "how you commute to work as this policy excludes all commuting use".Hopefully it's just a cock up with the returns checklist (which apart from wanting photos of the car, a photocopy of his licence, also wants a letter from his employer confirming his employment, job title and duties). He has had several emails from the insurance company, including a cover note but no "policy document".
Jetblackonetenth said:
They weren't the 'Wrong Choice Insurance Brokers'
Have had a similar problem with them and I had ticked the commuting box on their own website
No, but it is a firm that seems to be mentioned here on a semi-regular basis. He's really in a state of flux about this policy now. Have had a similar problem with them and I had ticked the commuting box on their own website
charging for commuting is just money for nothing, you should get a discount for commuting
i would be much less worried about someone borrowing my car to go to and from work every day following the same boring route they do every single day, sat in the same queues of traffic, than i would be for them to being it for leisure purposes where they might be taking it god knows where and doing god knows what
i would be much less worried about someone borrowing my car to go to and from work every day following the same boring route they do every single day, sat in the same queues of traffic, than i would be for them to being it for leisure purposes where they might be taking it god knows where and doing god knows what
ging84 said:
charging for commuting is just money for nothing, you should get a discount for commuting
i would be much less worried about someone borrowing my car to go to and from work every day following the same boring route they do every single day, sat in the same queues of traffic, than i would be for them to being it for leisure purposes where they might be taking it god knows where and doing god knows what
In the past adding 'full' business use to my policy made no difference to the premium.i would be much less worried about someone borrowing my car to go to and from work every day following the same boring route they do every single day, sat in the same queues of traffic, than i would be for them to being it for leisure purposes where they might be taking it god knows where and doing god knows what
The policy schedule says he's covered for commuting as well. So the comparison site, the cover note and the policy schedule all say he's covered. Must be a problem with the document checklist he received.
The dogs of war are on standby pending a phone call tomorrow.
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