Insurance Problem
Discussion
Hi people, got a bit of a problem with an insurance company I recently got a quote from.
Heres the story, got a quote via a well known comparison site from a well known company. Purchase quote with a one off payment of around £35 pounds and set up a direct debit. Start getting voicemails and emails around 3 days later saying that if I did not contact them they were going to cancel my poilcy. So I phone them get put on hold for 15 minutes, and the phone goes dead. Get more emails saying they are going to cancel. Phone them again was on the phone for around 30mins and get cut off again. They phone back and I get cut off again. After another phone call to an 08 number from a mobile i get through to a lady who says that some of my details are incorrect. Amend the details and she says that the premium is £150 more and my excess has gone up by £350. So I ask if she can cancel it. She says ok thats another £35 please and if I dont pay they will send the bailiffs round. So it has cost me £70 for two days of cover.
All the details I filled in online were correct. I spoke to a gentlemen from the insurance company and he said that I wasnt even insured with them. Whats going on here? I think I know the answer and this is probably a classic scam from insurance companies to get mor money from you. Where do I stand? Thanks in advance.
This is car insurance by the way and apoligies for the poor spelling and grammar.
Heres the story, got a quote via a well known comparison site from a well known company. Purchase quote with a one off payment of around £35 pounds and set up a direct debit. Start getting voicemails and emails around 3 days later saying that if I did not contact them they were going to cancel my poilcy. So I phone them get put on hold for 15 minutes, and the phone goes dead. Get more emails saying they are going to cancel. Phone them again was on the phone for around 30mins and get cut off again. They phone back and I get cut off again. After another phone call to an 08 number from a mobile i get through to a lady who says that some of my details are incorrect. Amend the details and she says that the premium is £150 more and my excess has gone up by £350. So I ask if she can cancel it. She says ok thats another £35 please and if I dont pay they will send the bailiffs round. So it has cost me £70 for two days of cover.
All the details I filled in online were correct. I spoke to a gentlemen from the insurance company and he said that I wasnt even insured with them. Whats going on here? I think I know the answer and this is probably a classic scam from insurance companies to get mor money from you. Where do I stand? Thanks in advance.
This is car insurance by the way and apoligies for the poor spelling and grammar.
PV7998 said:
"..........some of my details are incorrect. Amend the details..............."
What was so incorrect that it put the premium up by £150?
A few silly things. They said the car was made in 1992 when I told them it was 1995. They had the car as modified when I told them it wasnt which should put the premium down any way, not up. They had the wrong address even though I put the correct address on the form. They confirmed my name and the date from a claim that was made 5 years ago was 2 months out. Thats about it really. Just read a few reviews online of this company and it turns out im not the only one that they have done this to. Seems to be a habit of theirs. What was so incorrect that it put the premium up by £150?
PV7998 said:
"..........some of my details are incorrect. Amend the details..............."
What was so incorrect that it put the premium up by £150?
The OP has already said all the details they entered when taking the policy were correct after checking. On that basis, nothing seems to be incorrect.What was so incorrect that it put the premium up by £150?
Retroman said:
PV7998 said:
"..........some of my details are incorrect. Amend the details..............."
What was so incorrect that it put the premium up by £150?
The OP has already said all the details they entered when taking the policy were correct after checking. On that basis, nothing seems to be incorrect.What was so incorrect that it put the premium up by £150?
Now I to the OPs story.
1. Age of car at that age is jlilelu to affect premium
2. Failing to declare a claim could make a huge difference. This insurer may only want people with no claims in the last five years and so heavily charges for any claim history
3. No insurer will say "or we'll send the bailiffs round" this early on. That's just b
ks I'm afraid. They Amy say that you are contractually liable and it could end up there, but wouldn't be so blunt.
Hate to any this but I think you've tried to play a game OP and it's backfired. I know people think I'm an unsympathetic sod, but there are too many bleeding heart stories on here and when you see the crap I've seen in my career you might be more inclined to side with me.
1. Age of car at that age is jlilelu to affect premium
2. Failing to declare a claim could make a huge difference. This insurer may only want people with no claims in the last five years and so heavily charges for any claim history
3. No insurer will say "or we'll send the bailiffs round" this early on. That's just b
ks I'm afraid. They Amy say that you are contractually liable and it could end up there, but wouldn't be so blunt. Hate to any this but I think you've tried to play a game OP and it's backfired. I know people think I'm an unsympathetic sod, but there are too many bleeding heart stories on here and when you see the crap I've seen in my career you might be more inclined to side with me.
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