What is wrong with insurance companies

[Cupramax]

ShampooEfficient said:

Cupramax said:

terzo said:

OP - what you could have done (depending on how much more the 2nd cheapest quote was) would be to insure with another company which could provide instant cover and then after Christmas cancel the original policy under your cooling-off period rights.

The only problem with that being you cant have two insurance policies going on one car at the same time....

Was that amied at me or the other poster, if me you cant do it, its fraud....

[terzo]

Cupramax said:

ShampooEfficient said:

Cupramax said:

terzo said:

OP - what you could have done (depending on how much more the 2nd cheapest quote was) would be to insure with another company which could provide instant cover and then after Christmas cancel the original policy under your cooling-off period rights.

The only problem with that being you cant have two insurance policies going on one car at the same time....

Was that amied at me or the other poster, if me you cant do it, its fraud....

You can, the fraud would only come into play when you tried to claim on the multiple policies as R1Loon said. Say for example you have existing car insurance then find you need Europe-wide cover which your existing insurer don't offer, you're entitled to get another policy to provide the additional cover.

WRT the OP's scenario, the first insurer have said they won't commence cover until they speak with him, so when he does speak to them he could cancel the policy, so the policies need not run simultaneously anyway. In fact at that time he could even cancel the second policy under cooling-off and have the cheapest policy as well!

[vdp1]

Well I spoke to them this morning, unsurprisingly I was insured from the start, however I still had no documents so he promised to email me the certificate over right away so I can tax it. Needless to say it has not arrived, so thanks a lot Thames City insurance.

Am I right in saying that I cant tax it before 30/12/2010 anyway if I want it to start on 01/01/2011. Maybe the docs will be in the post tomorrow LOL.

This is the email they sent me on 24/12/2010 about 2PM


Dear Mr *****,

Thank you for choosing Thames City Insurance for your insurance needs.

Your payment has been successful.

Insurance cover is not effective until one of our internet team members has contacted you. Please note that if out of office hours, you will be contacted the following day to confirm cover.

If we can assist in any other insurance quote, or for further details please call one of our insurance specialists on:

0844 557 1802

We look forward to talking to you soon.

[vdp1]

A belated update to this, when I took out this policy I had just sold my house in an 'M' postcode and moved in with my friend in a 'WA' postcode, after about 5 weeks I managed to buy my new house back in the same 'M' post code, so being honest I wrote to tell them and I promptly get a phone call off them "sorry but KGM wont cover the Manchester area, you have 7 days to find alternative cover. I paid £330 up front for this and they will only pay back £175 after 55 days on cover, and I still have not received even this.

Anyway put I put it down to experience not to use joke companies anymore and pay that bit extra.

But hang on it gets worse, how can that be? read on...

I took alternative cover with a company, not too sure what they are called, near the end of Feb, received the docs and sent of my NCB, now all the company says is the NCB has to be within two years, which it is, I have not had a car for the last 12 months and have just tootled about in my works wan so my car NCB ran out in Dec 09.

I then get a letter back asking why there is a gap and to prove it is still valid, so I send off a covering letter, copy of the DVLA sale/change of keeper, copy of purchase invoice for new car and even a copy of my van NCB just for good measure. I even sent it in their own envelope.

Anyway fast forward to this Saturday and I get a letter of them telling me the policy has now been canceled from 14/3, so no insurance for the last week, luckily I was in Beni. I also spunked £78 payment on this insurance as well.

So I have now taken out a third insurance in as many months at a cost of £600+, by this rate I will be down the bottom of the confused.com list by Christmas where the priced are in the region of £8000+.

So in answer to a thread I saw a while back, no insurance companies are not as bad as banks, personally I think they are way, way more evil conning s.

[R1 Loon]

Of course they are, I mean what kind of shyster company asks you to prove certain things, so that they are certain you aren't conning them.

The Banks are mcuh better as they just take your word for it that you earn £500,000 a year when you want a £1.5m loan and nobody has ever conned them have they ............... oh.

[doof doof doof]

Im a 16 year old, and tried to get myself an insurance quote, on a 49cc moped, i ticked all the right boxes, everything. but this is what i got.

[R1 Loon]

doof doof doof said:

Im a 16 year old, and tried to get myself an insurance quote, on a 49cc moped, i ticked all the right boxes, everything. but this is what i got.

Then take it that the only company who wants to do business with you is e-bike.

[doof doof doof]

R1 Loon said:

Then take it that the only company who wants to do business with you is e-bike.

Yep, but still a ridicoulous quote?

[deveng]

doof doof doof said:

Im a 16 year old, and tried to get myself an insurance quote, on a 49cc moped, i ticked all the right boxes, everything. but this is what i got.

Hahahahahahaha you like eminem

[doof doof doof]

deveng said:

Hahahahahahaha you like eminem

what teenager doesnt like eminem?

[deveng]

doof doof doof said:

deveng said:

Hahahahahahaha you like eminem

what teenager doesnt like eminem?

I'm not sure to be honest, can't say I know any teenagers well enough to know their musical tastes. I would have thought eminem is regarded as a tt by people of all ages? No? Well he should be.

[R1 Loon]

doof doof doof said:

Yep, but still a ridicoulous quote?

Why?

You are covered for the cost of your scooter's repairs / full value and £20million worth of damage that you can do to others for a year.

[doof doof doof]

deveng said:

I'm not sure to be honest, can't say I know any teenagers well enough to know their musical tastes. I would have thought eminem is regarded as a tt by people of all ages? No? Well he should be.

nahhh, depends what song though. Devlin is better though.

[Blue Oval84]

Eminem is class, didn't like him very much when I was a teenager but I think his stuff is great now. I could listen to him and Rihanna bhing at each other all day long.

[deveng]

doof doof doof said:

deveng said:

I'm not sure to be honest, can't say I know any teenagers well enough to know their musical tastes. I would have thought eminem is regarded as a tt by people of all ages? No? Well he should be.

nahhh, depends what song though. Devlin is better though.

Devlin? Only kidding, I'm 'down' with the 'tunes'. I even used to live in 'the ends'.

[doof doof doof]

deveng said:

Devlin? Only kidding, I'm 'down' with the 'tunes'. I even used to live in 'the ends'.

'the ends'?

[deveng]

doof doof doof said:

deveng said:

Devlin? Only kidding, I'm 'down' with the 'tunes'. I even used to live in 'the ends'.

'the ends'?

I'm clearly too 'street' for you.

[shouldbworking]

doof doof doof said:

Im a 16 year old, and tried to get myself an insurance quote, on a 49cc sportsbike replica thats quite desirable to steal for other 16 year olds. but this is what i got.

Fixed that for you