Insurance renewals - a warning
Discussion
A mate of mine is insured with AA motor insurance, has been for years. Each year they sent him his renewal letter with a note on it that the policy will be renewed at the cost quoted unless he tells them otherwise. Simple enough.
This year he gets a letter from them as normal, checks the cost, and files it away. This was in January. He tried to tax his car the other day online and it flags up as "no insurance". So he calls up AA to sort it out and they tell him his insurance lapsed in January and wasn't renewed. This year, what they'd done was send him a quote with a code to punch into their automated system if he wanted to renew. So he's been driving around with no insurance since January. And yeah, he feels like a tw4t, and feels very lucky too.
I know what folk will say, and I said the same thing, he should've RTFL. But seeing how easy it happened I thought I'd fire up a quick post.
This year he gets a letter from them as normal, checks the cost, and files it away. This was in January. He tried to tax his car the other day online and it flags up as "no insurance". So he calls up AA to sort it out and they tell him his insurance lapsed in January and wasn't renewed. This year, what they'd done was send him a quote with a code to punch into their automated system if he wanted to renew. So he's been driving around with no insurance since January. And yeah, he feels like a tw4t, and feels very lucky too.
I know what folk will say, and I said the same thing, he should've RTFL. But seeing how easy it happened I thought I'd fire up a quick post.
AA are abysmal, I had a row with them down the phone one year for their appauling customer service.
They wanted to charge me 25% more on my renewal because I was involved in an accident which:
Involved my TVR (which I wasn't insured with the AA for, I was insured with the AA for the Supra).
It wasn't my fault (someone hit me).
I made the claim directly through the third parties insurance.
I didn't lose any no-claims because of it on either policy.
I didn't inform the AA (I had informed the TVR insurance co.) and got my renewal through, I informed them on renewing via the web. The web wouldn't let me renew so I phoned up and advised them on the phone. They renewed my policy at the same price but removed my protected NCD without telling me. I called back and told them and they said it had been removed because of the accident!!! Bearing in mind this was with another car, and nothing to do with this policy.
After calling various times, having them say it was being recalculated, getting through to two offices one in Newcastle and one in Cardiff, who kept giving conflicting information. One office said it was added, another said it wasn't, I finally got through to a manager who said.
Well you wouldn't have been covered for the last 6 months. wtf?? because I hadn't informed them of the accident.
They said the renewal they had sent was wrong as I hadn't reported the accident so instead of the renewal amount sent £520, (and the online quote of £480), they now wanted to charge near £600!!
They said "this is how insurance works" (I told them it was f
g bs), bearing in mind I never lose my temper. I asked if they had listened to my call, and at any point did they say "I am removing your NCB Protection," Manager on phone says no we didn't say that we were removing it "but you didn't ask for it to stay there."
I cancelled my policy and went elsewhere and got a slightly cheaper quote, declaring the accident.
This was about 3 years ago. Wouldn't touch them ever again.
They wanted to charge me 25% more on my renewal because I was involved in an accident which:
Involved my TVR (which I wasn't insured with the AA for, I was insured with the AA for the Supra).
It wasn't my fault (someone hit me).
I made the claim directly through the third parties insurance.
I didn't lose any no-claims because of it on either policy.
I didn't inform the AA (I had informed the TVR insurance co.) and got my renewal through, I informed them on renewing via the web. The web wouldn't let me renew so I phoned up and advised them on the phone. They renewed my policy at the same price but removed my protected NCD without telling me. I called back and told them and they said it had been removed because of the accident!!! Bearing in mind this was with another car, and nothing to do with this policy.
After calling various times, having them say it was being recalculated, getting through to two offices one in Newcastle and one in Cardiff, who kept giving conflicting information. One office said it was added, another said it wasn't, I finally got through to a manager who said.
Well you wouldn't have been covered for the last 6 months. wtf?? because I hadn't informed them of the accident.
They said the renewal they had sent was wrong as I hadn't reported the accident so instead of the renewal amount sent £520, (and the online quote of £480), they now wanted to charge near £600!!
They said "this is how insurance works" (I told them it was f
g bs), bearing in mind I never lose my temper. I asked if they had listened to my call, and at any point did they say "I am removing your NCB Protection," Manager on phone says no we didn't say that we were removing it "but you didn't ask for it to stay there."I cancelled my policy and went elsewhere and got a slightly cheaper quote, declaring the accident.
This was about 3 years ago. Wouldn't touch them ever again.
Skyrat said:
A mate of mine is insured with AA motor insurance, has been for years. Each year they sent him his renewal letter with a note on it that the policy will be renewed at the cost quoted unless he tells them otherwise. Simple enough.
This year he gets a letter from them as normal, checks the cost, and files it away. This was in January. He tried to tax his car the other day online and it flags up as "no insurance". So he calls up AA to sort it out and they tell him his insurance lapsed in January and wasn't renewed. This year, what they'd done was send him a quote with a code to punch into their automated system if he wanted to renew. So he's been driving around with no insurance since January. And yeah, he feels like a tw4t, and feels very lucky too.
I know what folk will say, and I said the same thing, he should've RTFL. But seeing how easy it happened I thought I'd fire up a quick post.
I guess not receiving the cover note, or seeing the money go out of the bank was an easy oversight. This year he gets a letter from them as normal, checks the cost, and files it away. This was in January. He tried to tax his car the other day online and it flags up as "no insurance". So he calls up AA to sort it out and they tell him his insurance lapsed in January and wasn't renewed. This year, what they'd done was send him a quote with a code to punch into their automated system if he wanted to renew. So he's been driving around with no insurance since January. And yeah, he feels like a tw4t, and feels very lucky too.
I know what folk will say, and I said the same thing, he should've RTFL. But seeing how easy it happened I thought I'd fire up a quick post.
Easy to do with the quantity of paperwork that falls through our door every day.
We signed up for paperless banking, to save a bank statement once a month, save the planet, then get three glossy, heavy print letters a week from the same fvckeyed bank trying to lend us money!!!!!!!
King Herald said:
Skyrat said:
A mate of mine is insured with AA motor insurance, has been for years. Each year they sent him his renewal letter with a note on it that the policy will be renewed at the cost quoted unless he tells them otherwise. Simple enough.
This year he gets a letter from them as normal, checks the cost, and files it away. This was in January. He tried to tax his car the other day online and it flags up as "no insurance". So he calls up AA to sort it out and they tell him his insurance lapsed in January and wasn't renewed. This year, what they'd done was send him a quote with a code to punch into their automated system if he wanted to renew. So he's been driving around with no insurance since January. And yeah, he feels like a tw4t, and feels very lucky too.
I know what folk will say, and I said the same thing, he should've RTFL. But seeing how easy it happened I thought I'd fire up a quick post.
I guess not receiving the cover note, or seeing the money go out of the bank was an easy oversight. This year he gets a letter from them as normal, checks the cost, and files it away. This was in January. He tried to tax his car the other day online and it flags up as "no insurance". So he calls up AA to sort it out and they tell him his insurance lapsed in January and wasn't renewed. This year, what they'd done was send him a quote with a code to punch into their automated system if he wanted to renew. So he's been driving around with no insurance since January. And yeah, he feels like a tw4t, and feels very lucky too.
I know what folk will say, and I said the same thing, he should've RTFL. But seeing how easy it happened I thought I'd fire up a quick post.
Can't say I'd have made that mistake but I just thought the abrupt change of policy by AA might catch a few folk outplasticpig said:
This is not the AA's fault. As I understand it the FSA have changed the regulations so auto renewal is not allowed .
Well that will catch out thousands of people then. I know everyone on here is perfect, but I rarely check my bank statement, always need to do a majpr search for insurance documentation etc,and can understad why people are caught out if there is no auto-renewal.Now the FSA is a government organisation? The government is short of money........ ah taht explains it. More fines on the way!
plasticpig said:
This is not the AA's fault. As I understand it the FSA have changed the regulations so auto renewal is not allowed .
Not true mate its nothing to do with the FSA's guidelines, its each companys own policy whether they do assumptive renewals or not , some do and some dont.R
King Herald said:
Skyrat said:
A mate of mine is insured with AA motor insurance, has been for years. Each year they sent him his renewal letter with a note on it that the policy will be renewed at the cost quoted unless he tells them otherwise. Simple enough.
This year he gets a letter from them as normal, checks the cost, and files it away. This was in January. He tried to tax his car the other day online and it flags up as "no insurance". So he calls up AA to sort it out and they tell him his insurance lapsed in January and wasn't renewed. This year, what they'd done was send him a quote with a code to punch into their automated system if he wanted to renew. So he's been driving around with no insurance since January. And yeah, he feels like a tw4t, and feels very lucky too.
I know what folk will say, and I said the same thing, he should've RTFL. But seeing how easy it happened I thought I'd fire up a quick post.
We signed up for paperless banking, to save a bank statement once a month, save the planet, then get three glossy, heavy print letters a week from the same fvckeyed bank trying to lend us money!!!!!!!This year he gets a letter from them as normal, checks the cost, and files it away. This was in January. He tried to tax his car the other day online and it flags up as "no insurance". So he calls up AA to sort it out and they tell him his insurance lapsed in January and wasn't renewed. This year, what they'd done was send him a quote with a code to punch into their automated system if he wanted to renew. So he's been driving around with no insurance since January. And yeah, he feels like a tw4t, and feels very lucky too.
I know what folk will say, and I said the same thing, he should've RTFL. But seeing how easy it happened I thought I'd fire up a quick post.
Ross_ said:
plasticpig said:
This is not the AA's fault. As I understand it the FSA have changed the regulations so auto renewal is not allowed .
Not true mate its nothing to do with the FSA's guidelines, its each companys own policy whether they do assumptive renewals or not , some do and some dont.R
Chrisgr31 said:
plasticpig said:
This is not the AA's fault. As I understand it the FSA have changed the regulations so auto renewal is not allowed .
Well that will catch out thousands of people then. I know everyone on here is perfect, but I rarely check my bank statement, always need to do a majpr search for insurance documentation etc,and can understad why people are caught out if there is no auto-renewal.Now the FSA is a government organisation? The government is short of money........ ah taht explains it. More fines on the way!
The FSA are not a government body as such. They are a company in legal terms.
Also, whilst I have absolute contempt for the shower of cretins in charge, suggesting they would change legislation to deliberately make a large proportion of the driving public break the law just to garner more fines seems a touch far.
anonymous said:
[redacted]
+1, very similar situation, my wife was insured through AA with me as a named driver. I had an accident in my own car, went through my own insurance company, very minor ding.
When my wife went to renew her insurance, she told them about my accident. They changed the qoute from £500 to £1100.
As my insurance covers me to drive her car anyway, she decided to remove me as a named driver and see what difference that made to the qoute. "removing your husband....eh...right just waiting for the computer....ok that will be £950"
WTF??
We said thanks but no thanks, insured her car through Tesco with me on the policy as a named driver, all for £400 including a free £100 karcher pressure washer.
Glassman said:
Simpo Two said:
Elephant are good
Pray you don't have to submit a claim. Phoned up, reported it. Got thr quote for other car to be fixed. They faxed over confirmation to the garage and work was carried out.
Must of been 3or4 phone calls and no problems.
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