Insurance Cancellation Question

[thescamper]

I took out a car policy through a broker (maybe my first mistake) at the beginning of April. I paid in full for the policy on Debit Card, During the call I gave them my home and mobile phone numbers and a email address. During the call I was asked to supply proof of no claims, great I said i'll fax it to you, we dont accept faxes they said, Ok i'll email it I said we dont accept email copies they said, Ah Ok i'll post it I said. Within 10 minutes I had had an email thanking me for my business and pointing me towards a web address where all my documents could be accessed.

I must admit that due to pressure of work and other stuff I was a bit tardy in posting my Proof of NC.

On the 16th of April letter from broker appears through door we have not received proof of no claims yet contact us, however if you have posted it in the last few days ignore this letter, so having actually posted it on or about the 11th or 12th I ignored the letter (possibly my second mistake).

Yesterday 16th May I received another letter from them dated the 14th May saying that as they have not received my proof of no claims they have cancelled my policy and my vehicle will not be insured from the 21st May.

Straight on the phone to be told that they had sent two further letters (not received) and that they had tried to call me on my mobile on the 14th May to discuss (they say both calls went unanswered) no evidence of calls on my mobile, my mobile has an answerphone and because I use my personal mobile for work calls I dont delete my call logs because I need proof of use to claim my call costs back and I have call logs going back over 18 months.

They are adamant that now that the cancellation process has started that it cannot be stopped and that I am being charged cancellation costs of £50 in fees, out of curiousity I asked for a new quote and the 'best' they could do was double the original quote which if I took it out they would waive the cancellation fee.

I suppose what I am after is advice on which way to go now what worries me most is if i go elsewhere how answering yes to the have you ever had a policy cancelled question will impact quotes.

[Impasse]

Not only that, they've now got your proof of NCB and are unlikely to return something they claim to have never received.
Good luck!

[Riley Blue]

I can't offer any advice but would just like to contrast that experience with my own. I insured a new purchase through AXA who asked me to supply proof of NCB within two weeks. I was away for the first week and they sent two reminders by text and by email. When I returned home I scanned my previous documents which showed I had maximum NCB and attached the file to an email. Two days latter I had an email back to say it had been accepted.

I would never, ever send original documents to anyone and in this instance, a copy should do as it can easily be checked on the insurance database.

Good luck with getting this resolved!

[thescamper]

Not only that when i spoke to them last night and they prepared the new quote, they didn't ask for proof of no claims, when I raised the subject with them they said just give us the old company name and policy number and we will get proof from them direct.

If they can do that now why couldnt they do it before

[Riley Blue]

I'd be moving to another insurer. You're their customer, you don't have to put up with this attitude.

[TheGreatSoprendo]

thescamper said:

If they can do that now why couldnt they do it before

What did they say when you asked them that?

[LoonR1]

Riley Blue said:

I can't offer any advice but would just like to contrast that experience with my own. I insured a new purchase through AXA who asked me to supply proof of NCB within two weeks. I was away for the first week and they sent two reminders by text and by email. When I returned home I scanned my previous documents which showed I had maximum NCB and attached the file to an email. Two days latter I had an email back to say it had been accepted.

I would never, ever send original documents to anyone and in this instance, a copy should do as it can easily be checked on the insurance database.

Good luck with getting this resolved!

What insurance database is this that it can be checked on? Certainly not MID which you lot use that confirms details of current policy and validity to drive nothing to with NCD. A database is being built and trialled, but appears to be stimbling due to all the fkwits worrying about Big Brother and rights to privacy and other tinfoil stuff so loved on forums.