Car Insurance Situation
Discussion
Hi guys,
I was wondering what your opinion is of my current situation and to get an idea of the best way forward. I took out an insurance policy from an insurer and 3 dates have ended up being incorrect. One of these dates is my own fault, and the other 2 are as a result of a comparison site automatically putting in a date.
The three dates are:
Date of purchase: December 2015 (actually March 2016 and has now been corrected for £60)
Date of main drivers licence is off by approximately a year, and named driver is off by approximately 30 years (1970s licence, but think comparison site uses a years system or their site does). I don't believe the dates of the licence were included in the final check sheet or I would have spotted these massive errors.
The date of main drivers licences has not been corrected yet, as this wasn't noticed by the insurer but I mentioned it when I contacted them. It sounds like the person on the phone was just to deal with what they had "found".
Normally I would have spotted these problems, but I was unable to access my "statement of fact" as they didn't send one to me, just the policy document. They have an online system which allows you to access your statement of fact, but the system would only let me access a previous policy I had years ago. This has now been resolved.
Now I'm inclined to complain about the situation where they didn't make my statement of fact available to me as I could have resolved this sooner. I also could have been more active to attempt to get a copy of this. I'm also wary of complaining about the situation in case the insurer decides to cancel my policy due to these incorrect dates.
Either way I will need to correct the licence dates, but was wondering how you think I should play this. I'm not immediately changing the licence dates as I want them to remain for the purpose of a complaint, but there's also the possibility that if I complain they may decide that my policy is not for them and cancel (they haven't said this, but I'm assuming).
I'm tempted to complain, but I'm also really wary of the insurer deciding that my policy is no longer for them and cancelling it.
Thanks guys!
I was wondering what your opinion is of my current situation and to get an idea of the best way forward. I took out an insurance policy from an insurer and 3 dates have ended up being incorrect. One of these dates is my own fault, and the other 2 are as a result of a comparison site automatically putting in a date.
The three dates are:
Date of purchase: December 2015 (actually March 2016 and has now been corrected for £60)
Date of main drivers licence is off by approximately a year, and named driver is off by approximately 30 years (1970s licence, but think comparison site uses a years system or their site does). I don't believe the dates of the licence were included in the final check sheet or I would have spotted these massive errors.
The date of main drivers licences has not been corrected yet, as this wasn't noticed by the insurer but I mentioned it when I contacted them. It sounds like the person on the phone was just to deal with what they had "found".
Normally I would have spotted these problems, but I was unable to access my "statement of fact" as they didn't send one to me, just the policy document. They have an online system which allows you to access your statement of fact, but the system would only let me access a previous policy I had years ago. This has now been resolved.
Now I'm inclined to complain about the situation where they didn't make my statement of fact available to me as I could have resolved this sooner. I also could have been more active to attempt to get a copy of this. I'm also wary of complaining about the situation in case the insurer decides to cancel my policy due to these incorrect dates.
Either way I will need to correct the licence dates, but was wondering how you think I should play this. I'm not immediately changing the licence dates as I want them to remain for the purpose of a complaint, but there's also the possibility that if I complain they may decide that my policy is not for them and cancel (they haven't said this, but I'm assuming).
I'm tempted to complain, but I'm also really wary of the insurer deciding that my policy is no longer for them and cancelling it.
Thanks guys!
Edited by bluezedd on Wednesday 10th March 16:35
sociopath said:
Why not just correct it and move on with your life?
If you read the small print you'll find its your responsibility to make sure all facts are correct, and every insurance company says to check them.
The main problem is that they didn't provide them (Their system already had an older policy associated with my email, and the dropdown menu would only allow access to that older policy), and now I'm having to pay for it. I think you might be right though.If you read the small print you'll find its your responsibility to make sure all facts are correct, and every insurance company says to check them.
bluezedd said:
sociopath said:
Why not just correct it and move on with your life?
If you read the small print you'll find its your responsibility to make sure all facts are correct, and every insurance company says to check them.
The main problem is that they didn't provide them, and now I'm having to pay for it. I think you might be right though.If you read the small print you'll find its your responsibility to make sure all facts are correct, and every insurance company says to check them.
If you didn't do that, thats your fault not theirs. Sorry.
sociopath said:
Bit you i out the data in the comparison site, and they then transfer you to the insurance company website where it's your responsibility to make sure everything is correct.
If you didn't do that, thats your fault not theirs. Sorry.
Yeah, I think you're right. It's just frustrating as I would have spotted these issues immediately had they actually provided me with the policy document.If you didn't do that, thats your fault not theirs. Sorry.
Thanks.
how likely are they to not be able to cover you if the dates are corrected?
if you have a main driver who's been driving a year or 2 and this mistake claims they've had a license for an extra year that would be a concern and I would probably cancel the policy preemptively before making your complaint.
if you have a main driver who's been driving a year or 2 and this mistake claims they've had a license for an extra year that would be a concern and I would probably cancel the policy preemptively before making your complaint.
I wouldn't complain as such. I would telephone and ask to speak to an appropriate supervisor to discuss the issue in a calm and respectful manner. Admit your faults and explain how you'd like to stay insured with them but some information needs amending. If things go ok you could then discuss the refunding of your money already spent trying to resolve matters.
It may or may not work but it's amazing how many people just want to complain when they should be more subtle in their approach.
It may or may not work but it's amazing how many people just want to complain when they should be more subtle in their approach.
Overthinking things.
I forgot that my insurance renewed with my partner on it having made a non-fault claim. Called them up, explained, they took about £20 off me and life went on.
I'd definitely complain though, just so someone gets to have a laugh at the guy complaining that he put his details in wrong.
I forgot that my insurance renewed with my partner on it having made a non-fault claim. Called them up, explained, they took about £20 off me and life went on.
I'd definitely complain though, just so someone gets to have a laugh at the guy complaining that he put his details in wrong.
Ive never paid for insurance amendments* - massive scam IMO, especially when it is the interface between the compaisron site and their systems that is at fault.
Just say you want the amendment made and if they try to apply an admin fee say you wont pay and that you want to raise a complaint with the ombudsman.
They invariably go off to speak to 'a manager' and a few mins later come back on and waive the fee
Just say you want the amendment made and if they try to apply an admin fee say you wont pay and that you want to raise a complaint with the ombudsman.
They invariably go off to speak to 'a manager' and a few mins later come back on and waive the fee
- talkking about admin fees, not material changes to the policy e.g. changing named drivers, changing type of vehicle insured etc. which I agree should be chargeable
KAgantua said:
Ive never paid for insurance amendments* - massive scam IMO, especially when it is the interface between the compaisron site and their systems that is at fault.
Just say you want the amendment made and if they try to apply an admin fee say you wont pay and that you want to raise a complaint with the ombudsman.
They invariably go off to speak to 'a manager' and a few mins later come back on and waive the fee
What 'non-policy changes' are you including here that would incur said 'admin fee'?Just say you want the amendment made and if they try to apply an admin fee say you wont pay and that you want to raise a complaint with the ombudsman.
They invariably go off to speak to 'a manager' and a few mins later come back on and waive the fee
- talkking about admin fees, not material changes to the policy e.g. changing named drivers, changing type of vehicle insured etc. which I agree should be chargeable
Are you talking about glitches in the matrix, where you're sure you clicked one option, but it recorded it as another, or where you've made a genuine mistake but don't feel you should be charged to fix it?
mmm-five said:
KAgantua said:
Ive never paid for insurance amendments* - massive scam IMO, especially when it is the interface between the compaisron site and their systems that is at fault.
Just say you want the amendment made and if they try to apply an admin fee say you wont pay and that you want to raise a complaint with the ombudsman.
They invariably go off to speak to 'a manager' and a few mins later come back on and waive the fee
What 'non-policy changes' are you including here that would incur said 'admin fee'?Just say you want the amendment made and if they try to apply an admin fee say you wont pay and that you want to raise a complaint with the ombudsman.
They invariably go off to speak to 'a manager' and a few mins later come back on and waive the fee
- talkking about admin fees, not material changes to the policy e.g. changing named drivers, changing type of vehicle insured etc. which I agree should be chargeable
Are you talking about glitches in the matrix, where you're sure you clicked one option, but it recorded it as another, or where you've made a genuine mistake but don't feel you should be charged to fix it?
A few years ago I was checking the documents sent on getting car insurance.
I spotted 2 errors in dates and values of non claimed for incidents. Basically sorted out with other parties and low value so no claims made.
The data was stupidly incorrect up by them. One was for a new wing mirror (£80) paid for by the other party. They had it recorded as £1000! All 3 were reported to be seen to be complying with t&c’s . Probably not in future!
The chap I spoke to was quite laissez faire and dismissive but I insisted it was corrected as it was their incorrect entry. Out of curiosity I asked for a check on my premium. Result! £15 reduction.
ALWAYS check your documents when sent!
No claim? Any need to report it? I was probably being over cautious in listing the two.
I spotted 2 errors in dates and values of non claimed for incidents. Basically sorted out with other parties and low value so no claims made.
The data was stupidly incorrect up by them. One was for a new wing mirror (£80) paid for by the other party. They had it recorded as £1000! All 3 were reported to be seen to be complying with t&c’s . Probably not in future!
The chap I spoke to was quite laissez faire and dismissive but I insisted it was corrected as it was their incorrect entry. Out of curiosity I asked for a check on my premium. Result! £15 reduction.
ALWAYS check your documents when sent!
No claim? Any need to report it? I was probably being over cautious in listing the two.
Pegscratch said:
KAgantua said:
Mostly talking about early cancellations e..g sold or scrapped the car.
You mean s
t you agreed to but didn't think you'd worry about?I'd love to see that one pan out properly.
Its well known that an Ombudsman complaint costs the insurance companies more than the cost of the admin fee, so they roll over every time.
You are of course free to continue paying like a good little citizen.
KAgantua said:
Ive never paid for insurance amendments* - massive scam IMO, especially when it is the interface between the compaisron site and their systems that is at fault.
Just say you want the amendment made and if they try to apply an admin fee say you wont pay and that you want to raise a complaint with the ombudsman.
They invariably go off to speak to 'a manager' and a few mins later come back on and waive the fee
Why is it a scam?Just say you want the amendment made and if they try to apply an admin fee say you wont pay and that you want to raise a complaint with the ombudsman.
They invariably go off to speak to 'a manager' and a few mins later come back on and waive the fee
- talkking about admin fees, not material changes to the policy e.g. changing named drivers, changing type of vehicle insured etc. which I agree should be chargeable
PH User said:
KAgantua said:
Ive never paid for insurance amendments* - massive scam IMO, especially when it is the interface between the compaisron site and their systems that is at fault.
Just say you want the amendment made and if they try to apply an admin fee say you wont pay and that you want to raise a complaint with the ombudsman.
They invariably go off to speak to 'a manager' and a few mins later come back on and waive the fee
Why is it a scam?Just say you want the amendment made and if they try to apply an admin fee say you wont pay and that you want to raise a complaint with the ombudsman.
They invariably go off to speak to 'a manager' and a few mins later come back on and waive the fee
- talkking about admin fees, not material changes to the policy e.g. changing named drivers, changing type of vehicle insured etc. which I agree should be chargeable
One example I remember, was the question about number of years I had my license. This inputed the correct year but the incorrect month on the insurers software. Cue a letter a few weeks later telling me of the change in premium by about £2, and then the £35 admin fee or whatever it was. A phone call sorted it out but a lot of people would just accept it. You're splitting hairs if you'd choose a different word than scam - you know what he meant.
DaveE87 said:
PH User said:
KAgantua said:
Ive never paid for insurance amendments* - massive scam IMO, especially when it is the interface between the compaisron site and their systems that is at fault.
Just say you want the amendment made and if they try to apply an admin fee say you wont pay and that you want to raise a complaint with the ombudsman.
They invariably go off to speak to 'a manager' and a few mins later come back on and waive the fee
Why is it a scam?Just say you want the amendment made and if they try to apply an admin fee say you wont pay and that you want to raise a complaint with the ombudsman.
They invariably go off to speak to 'a manager' and a few mins later come back on and waive the fee
- talkking about admin fees, not material changes to the policy e.g. changing named drivers, changing type of vehicle insured etc. which I agree should be chargeable
One example I remember, was the question about number of years I had my license. This inputed the correct year but the incorrect month on the insurers software. Cue a letter a few weeks later telling me of the change in premium by about £2, and then the £35 admin fee or whatever it was. A phone call sorted it out but a lot of people would just accept it. You're splitting hairs if you'd choose a different word than scam - you know what he meant.
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