In****e insurance
Discussion
Can someone advise?,
My sister in law is in the precarious position where her insurance company want to cancel her cover, due to 'speed warnings' on the black box. How much over does one have to be travelling to register a warning?
She pays for her insurance on a viariable montly amount it can go up or down depending on her driving. the premiums have been going down and she is now in a position where it expries in a month anyway and has paid it all off.
Can insurances be cancelled by the insurer that late into a policy and surely if the amount is going down then her risk factor must be too?
My sister in law is in the precarious position where her insurance company want to cancel her cover, due to 'speed warnings' on the black box. How much over does one have to be travelling to register a warning?
She pays for her insurance on a viariable montly amount it can go up or down depending on her driving. the premiums have been going down and she is now in a position where it expries in a month anyway and has paid it all off.
Can insurances be cancelled by the insurer that late into a policy and surely if the amount is going down then her risk factor must be too?
V40Vinnie said:
Don't know. her dad usually deals with it for her... Im just trying to gather information and find out where we stand
My guess is that you are asking the wrong people, ask her Dad what the policy says. Or (shoot me down), look up the terms of the policy using a popular search engine and read what it says.BertBert said:
My guess is that you are asking the wrong people, ask her Dad what the policy says. Or (shoot me down), look up the terms of the policy using a popular search engine and read what it says.
Have done, yes apparantly..... But this late into a policy? sure i can understand 2, 5 maybe 10 months but now after the last monthly instalment has been taken out? V40Vinnie said:
Have done, yes apparantly..... But this late into a policy? sure i can understand 2, 5 maybe 10 months but now after the last monthly instalment has been taken out?
Find out who the insurer up and the policy will be online.I would have thought they could but they sometimes make mistakes with their wordings.
There is probably an appeals process to challenge the data if she thinks she wasn't speeding.
V40Vinnie said:
Don't know. her dad usually deals with it for her... Im just trying to gather information and find out where we stand
If they do cancel her policy then she'll need to declare it going forward with future insurance companies forever more so i'd see if there's anything she can do to avoid that. V40Vinnie said:
Alucidnation said:
Did she not read the T's&C's before signing up?
I guess no.
Don't know. her dad usually deals with it for her... Im just trying to gather information and find out where we stand I guess no.
V40Vinnie said:
Have done, yes apparantly..... But this late into a policy? sure i can understand 2, 5 maybe 10 months but now after the last monthly instalment has been taken out?
Insurance companies are required to "treat customers fairly". You don't detail what she's done wrong, but on the face of it there might be a case that she's not being treated fairly.
Tell her to cancel her policy herself , now. Take the hit on the fact she`ll get nowt back, but do not let them cancel on her, she`ll pay for it in future.
Then tell her to throw her black box in the canal and get a normal policy and do not claim. Pay for any minor bumps etc out of her own pocket and it will pay in the long run.
Read the first line again.
Then tell her to throw her black box in the canal and get a normal policy and do not claim. Pay for any minor bumps etc out of her own pocket and it will pay in the long run.
Read the first line again.
Sheepshanks said:
Insurance companies are required to "treat customers fairly".
You don't detail what she's done wrong, but on the face of it there might be a case that she's not being treated fairly.
That is not what TCF is about. It is about high level business practices and being able to evidence consistency of application of these policies via data and MI. If their policies are laid down in the T&Cs, which they will be and have been run last legal to ensure compliance (again they will have been), then it’s highly unlikely that there’s a TCF issue. You don't detail what she's done wrong, but on the face of it there might be a case that she's not being treated fairly.
TCF is not about the individual and their circumstances, that is dealt with via the complaints system. If an issue is seen to be there for the invidual, then TCF kicks in by reviewing process and ensurin the issue doesn’t arise again, alongside reviewing others that may have been disadvantaged and making reparations as necessary.
Gavia said:
Sheepshanks said:
Insurance companies are required to "treat customers fairly".
You don't detail what she's done wrong, but on the face of it there might be a case that she's not being treated fairly.
That is not what TCF is about. It is about high level business practices and being able to evidence consistency of application of these policies via data and MI. If their policies are laid down in the T&Cs, which they will be and have been run last legal to ensure compliance (again they will have been), then it’s highly unlikely that there’s a TCF issue. You don't detail what she's done wrong, but on the face of it there might be a case that she's not being treated fairly.
TCF is not about the individual and their circumstances, that is dealt with via the complaints system. If an issue is seen to be there for the invidual, then TCF kicks in by reviewing process and ensurin the issue doesn’t arise again, alongside reviewing others that may have been disadvantaged and making reparations as necessary.
Sheepshanks said:
Gavia said:
Sheepshanks said:
Insurance companies are required to "treat customers fairly".
You don't detail what she's done wrong, but on the face of it there might be a case that she's not being treated fairly.
That is not what TCF is about. It is about high level business practices and being able to evidence consistency of application of these policies via data and MI. If their policies are laid down in the T&Cs, which they will be and have been run last legal to ensure compliance (again they will have been), then it’s highly unlikely that there’s a TCF issue. You don't detail what she's done wrong, but on the face of it there might be a case that she's not being treated fairly.
TCF is not about the individual and their circumstances, that is dealt with via the complaints system. If an issue is seen to be there for the invidual, then TCF kicks in by reviewing process and ensurin the issue doesn’t arise again, alongside reviewing others that may have been disadvantaged and making reparations as necessary.
Gavia said:
TCF is about high level processes as I’ve already said, it has nothing to do with individuals. The complaints process is there for that.
I know that, but if the insurers treatment of the girl in question is their standard practice (people are saying "look in the T's & C's") then that's (depending on lots of other things that we may not have been told) not fair. One thing leads to the other.Sheepshanks said:
I know that, but if the insurers treatment of the girl in question is their standard practice (people are saying "look in the T's & C's" then that's (depending on lots of other things that we not have been told) not fair. One thing leads to the other.
Why are you assuming it isn’t fair? The T&Cs of insurance are not just plucked out of thin air. Their compliance with all legal aspects will be fully checked out before applying them, as I’ve already said. Just because she doesn’t want to stick to the legal T&Cs that she signed up to doesn’t make them unfair. Sheepshanks said:
I know that, but if the insurers treatment of the girl in question is their standard practice (people are saying "look in the T's & C's") then that's (depending on lots of other things that we may not have been told) not fair. One thing leads to the other.
If the company in question is Ingenie then the process is very clearly explained on their website.I am not certain but I am sure there will be an appeals process to question the data.
I'm sure in the terms and conditions that most decline to read properly that the insurance company have the right to cancel her insurance as her black box recorder is showing she is too high a risk for the premium she has paid, and as a result decided that she is no longer wanted as a customer.
She has no doubt been warned of her driving behaviour, and decided again not to take the advise, so why should anyone be concerned as to her rights?
What about the fact she can't drive within the limits putting other road users at risk. If she does not want a black box insurance cover , then pay more for one without. By the sound of it she will not have her licence long, or god forbid hurt someone soon, and once the crashes mount up she will not be able to afford insurance anyway
She has no doubt been warned of her driving behaviour, and decided again not to take the advise, so why should anyone be concerned as to her rights?
What about the fact she can't drive within the limits putting other road users at risk. If she does not want a black box insurance cover , then pay more for one without. By the sound of it she will not have her licence long, or god forbid hurt someone soon, and once the crashes mount up she will not be able to afford insurance anyway
V40Vinnie said:
Can someone advise?,
My sister in law is in the precarious position where her insurance company want to cancel her cover, due to 'speed warnings' on the black box. How much over does one have to be travelling to register a warning?
She pays for her insurance on a viariable montly amount it can go up or down depending on her driving. the premiums have been going down and she is now in a position where it expries in a month anyway and has paid it all off.
Can insurances be cancelled by the insurer that late into a policy and surely if the amount is going down then her risk factor must be too?
As said it's not a want its 'keep speeding and we will' or its 'we are canceling your policy in 7 days' letter.My sister in law is in the precarious position where her insurance company want to cancel her cover, due to 'speed warnings' on the black box. How much over does one have to be travelling to register a warning?
She pays for her insurance on a viariable montly amount it can go up or down depending on her driving. the premiums have been going down and she is now in a position where it expries in a month anyway and has paid it all off.
Can insurances be cancelled by the insurer that late into a policy and surely if the amount is going down then her risk factor must be too?
Heard of this a few times get to the last few months and had a speed warning every month yet policyholders are in shock when insurers say they won't cover you going forward.
In my experience of these, there will have been many warnings that have not been heeded and the driver has continued to drive in the same manner.
They seem to do this so you can't get a full years NCB. People seem to think blackbox a cheap option but if you drive like a 'tit', exceed your milleage etc insurers won't take it lying down.
I would see if she can cancel herself as canceled insurance is a black mark on her policy for years.
She needs to get a new policy without a black box.
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