Insurance cancelled after 1 week

[zetec]

OP, did you ever get to the bottom of what the misdemeanour/s was/were?

[hairyben]

Haltamer said:

I've considered this myself; When I was in Germany I was planning to go for a (really ) quick whip round the ring:- As it is an "unrestricted toll road", I wouldn't be covered, but applying the logic of the big bad box, I'd also not be in an area with an assigned speed limit:- I use the inbuilt GPS Speed limit to give a good guide of the speed limits the insurers will be working with; as I'm quite sure they will be based on the same source.

As such, (not that I go out of my way to) in areas with temporarily lowered speed limits, e.g. Smart motorway gantry signs, you can "dodge enforcement" rather than the box as it will assume a 70 limit.

From the above logic, when on track, the biggest threat is not the speed but the acceleration, braking and cornering - Even more of an impetus to take a good line, on track and on the road!
I can't help but feel, with 100HP / 100NM for 1.5Kg of tepid hatchback, I won't be triggering the "acceleration alarms" unless I roll off a cliff. - The same goes for anything else that is insurable <20 years old.


All that said, the fitter was nice enough to connect the box to the side of the battery, with a + and - Wire; If I was so intent on giving it all of the beans at once, I could leave that in the garage hooked to a charger whilst running on a spare. Not a good situation to be in if you come to greif though, on a public road at least.

that'd be a cancellation surely?

If I opened a racetrack and posted a 300mph limit and added that to Google maps etc, could anyone using it with a black box then "lower" their average speed as a % of the limit?

[Gavia]

All these people discussing trackdays amd black boxes seem to have missed one obvious thing. You’re supposed to buy a policy that meets your needs, if you’re a keen trackdayer, then a black box policy isn't for you, ditto those who seem to lend their cars out to people who drive on their own TPO DOC cover.

[CanAm]

zetec said:

OP, did you ever get to the bottom of what the misdemeanour/s was/were?

Bearing in mind the old, "How can you tell if a teenager is lying?", I doubt if we ever will.

[maclarkk]

surveyor_101 said:

maclarkk said:

What sort of cars were you trying to insure gents? AF usually best for unique/customised motors.

I guess every company can be reviewed well by one and badly by the other.

It wasn't that was the issue, partway into the policy I wanted to add this missus to my car who had a clean licence etc and they tried to charge me over double the original policy. I shopped around and no one else wanted more than a couple of 150-220 (that was for 12 months) to add her. The policy was around £400 and they wanted £870 to add her 5 months in that was after complaining as they quoted me £1160 but I am told that was an error or them trying it on.

Turned out some of it was their ridiculous fees on top of what the insurer wanted. Ever since I won't go through a robbing Brooker.

Of course tried to cancel the policy and then AF wanted pretty much wanted all the £400 even though I had 7 months left in the year.

Edited by surveyor_101 on Friday 20th July 09:26

Fair enough!

Although I would maintain that a price increase or high pricing doesn’t necessarily make them a bad broker... providing they communicate with you well and let you cancel with relative ease.

I’m not with them anymore, because they hiked my price when I changed my car, but I wouldn’t necessarily write them off in the future due to this, as I remember them always being very helpful and easy to contact when amendments needed to be made.

There are plenty of insurers who will quote you £10k a year on a comparison site, but who have some very happy customers too.

Each to their own though.

[TwigtheWonderkid]

Gavia said:

All these people discussing trackdays amd black boxes seem to have missed one obvious thing. You’re supposed to buy a policy that meets your needs, if you’re a keen trackdayer, then a black box policy isn't for you, ditto those who seem to lend their cars out to people who drive on their own TPO DOC cover.

They are just making up stupid scenarios to justify their hatred to black boxes. But the answer is much simpler, don't fking get one. But leave other people to make their choice based on their circumstances.

Considering PH is a hot bed of right wing politics and adherence market to forces, it's very odd that so many people are furious about people having a choice!

[Gavia]

TwigtheWonderkid said:

They are just making up stupid scenarios to justify their hatred to black boxes. But the answer is much simpler, don't fking get one. But leave other people to make their choice based on their circumstances.

Considering PH is a hot bed of right wing politics and adherence market to forces, it's very odd that so many people are furious about people having a choice!

Market forces? Absolutely, the market should dictate the price in all circumstances.

Well, except for car insurance and anything else that I think is costing me too much, then I demand that it be regulated to death and run by the government, who are obviously the most effective and efficient business managers out there.

[TwigtheWonderkid]

Gavia said:

TwigtheWonderkid said:

They are just making up stupid scenarios to justify their hatred to black boxes. But the answer is much simpler, don't fking get one. But leave other people to make their choice based on their circumstances.

Considering PH is a hot bed of right wing politics and adherence market to forces, it's very odd that so many people are furious about people having a choice!

Market forces? Absolutely, the market should dictate the price in all circumstances.

Well, except for car insurance and anything else that I think is costing me too much, then I demand that it be regulated to death and run by the government, who are obviously the most effective and efficient business managers out there.

Don't forget people who are less intelligent than me, and lower class than me, earning vastly more than me. Like footballers. Shouldn't be allowed!!

[Gavia]

TwigtheWonderkid said:

Gavia said:

TwigtheWonderkid said:

They are just making up stupid scenarios to justify their hatred to black boxes. But the answer is much simpler, don't fking get one. But leave other people to make their choice based on their circumstances.

Considering PH is a hot bed of right wing politics and adherence market to forces, it's very odd that so many people are furious about people having a choice!

Market forces? Absolutely, the market should dictate the price in all circumstances.

Well, except for car insurance and anything else that I think is costing me too much, then I demand that it be regulated to death and run by the government, who are obviously the most effective and efficient business managers out there.

Don't forget people who are less intelligent than me, and lower class than me, earning vastly more than me. Like footballers. Shouldn't be allowed!!

You poor snowflake, you seem offended by that. Of course I’m not a snowflake at all, even though I’m now offended by you being offended, oh no, me being offended is the sign of a true right thinking individual.

If you suggest anything else, I’m going to trump (geddit) you with the catch all answer “Brexit”.

[Pica-Pica]

TwigtheWonderkid said:

Gavia said:

TwigtheWonderkid said:

They are just making up stupid scenarios to justify their hatred to black boxes. But the answer is much simpler, don't fking get one. But leave other people to make their choice based on their circumstances.

Considering PH is a hot bed of right wing politics and adherence market to forces, it's very odd that so many people are furious about people having a choice!

Market forces? Absolutely, the market should dictate the price in all circumstances.

Well, except for car insurance and anything else that I think is costing me too much, then I demand that it be regulated to death and run by the government, who are obviously the most effective and efficient business managers out there.

Don't forget people who are less intelligent than me, and lower class than me, earning vastly more than me. Like footballers. Shouldn't be allowed!!

Market forces. Perfect example. Watching football at expensive clubs is not a day-to-day necessity.

[Gavia]

Pica-Pica said:

Market forces. Perfect example. Watching football at expensive clubs is not a day-to-day necessity.

It’s still dictated by market forces though

[anonymous-user]

Pica-Pica said:

Market forces. Perfect example. Watching football at expensive clubs is not a day-to-day necessity.

So do you think we should control the prices?

Smooth it out over the agreement groups?

[Pica-Pica]

desolate said:

Pica-Pica said:

Market forces. Perfect example. Watching football at expensive clubs is not a day-to-day necessity.

So do you think we should control the prices?

Smooth it out over the agreement groups?

No, that is the whole point of ‘market’ forces.
(I assume you were talking about football, that is all I was talking about).

[7795]

The cancellation notice was served and so IMHO the insurance will go down as cancelled. Jumping before you are pushed will not change the official data entry and so even if it is not disclosed to the OP's daughter, this will be what is on all the internal reports. This was not a warning shot, this was a notice to cancel.

OP, the vaguer your daughter is, the more suspicious you should be. All of the info will be there in black and white; it has to be for legal reasons. Get access to it and have a good look at it. It is entirely possible a mistake has been made. The more obstruction from your daughter, the more probable it is that there has not been an error.

[bad company]

7795 said:

The cancellation notice was served and so IMHO the insurance will go down as cancelled. Jumping before you are pushed will not change the official data entry and so even if it is not disclosed to the OP's daughter, this will be what is on all the internal reports. This was not a warning shot, this was a notice to cancel.

Is that based on industry knowledge or just your opinion as a customer of the insurance industry? I ask because others on this thread who apparently work in the motor insurance business have said otherwise.

[The Mad Monk]

7795 said:

OP, the vaguer your daughter is, the more suspicious you should be. All of the info will be there in black and white; it has to be for legal reasons. Get access to it and have a good look at it. It is entirely possible a mistake has been made. The more obstruction from your daughter, the more probable it is that there has not been an error.

Or

Alternatively

Let your daughter hold her own hand.

[InitialDave]

7795 said:

The cancellation notice was served and so IMHO the insurance will go down as cancelled. Jumping before you are pushed will not change the official data entry and so even if it is not disclosed to the OP's daughter, this will be what is on all the internal reports. This was not a warning shot, this was a notice to cancel.

While this company/group will have the record that they sent a cancellation notice (and why), and she may well have burned her bridges with them, for anyone else, she shouldn't have an issue. She cancelled her insurance.

[TwigtheWonderkid]

InitialDave said:

7795 said:

The cancellation notice was served and so IMHO the insurance will go down as cancelled. Jumping before you are pushed will not change the official data entry and so even if it is not disclosed to the OP's daughter, this will be what is on all the internal reports. This was not a warning shot, this was a notice to cancel.

While this company/group will have the record that they sent a cancellation notice (and why), and she may well have burned her bridges with them, for anyone else, she shouldn't have an issue. She cancelled her insurance.

Correct. If she's ever asked "have you ever been told by an insurer that they were going to cancel your insurance" then she has an issue. But as things stand, she has never had an insurance cancelled. She has cancelled a policy, as most of us will have done for various reasons at some time.

When taking out insurance, you just have to answer the questions honestly. NO is the honest answer to "have you ever had a policy cancelled."

The notice of cancellation was a warning shot. It wasn't an idle threat, it was warning her of what they were about to do. But they never actually did it.

[7795]

bad company said:

7795 said:

The cancellation notice was served and so IMHO the insurance will go down as cancelled. Jumping before you are pushed will not change the official data entry and so even if it is not disclosed to the OP's daughter, this will be what is on all the internal reports. This was not a warning shot, this was a notice to cancel.

Is that based on industry knowledge or just your opinion as a customer of the insurance industry? I ask because others on this thread who apparently work in the motor insurance business have said otherwise.

I asked my Sister who is Head of Legal at one of the top underwriters in the UK.

It will be recorded as Notice to Terminate was sent. It's splitting hairs to an extent, but there will be a record of it on file and premiums will be affected accordingly.

OP's daughter can truthfully answer "no" to the cancelled questions but there will be a record of it on file. There will be a marker against her name. It will be factored into the cost of her next policy.

The full T&C's will need to be read and that will show if "declined" comes into play. Can it be classed as declined once into a policy?

Edited by 7795 on Monday 23 July 11:23

[TooMany2cvs]

7795 said:

bad company said:

7795 said:

The cancellation notice was served and so IMHO the insurance will go down as cancelled. Jumping before you are pushed will not change the official data entry and so even if it is not disclosed to the OP's daughter, this will be what is on all the internal reports. This was not a warning shot, this was a notice to cancel.

Is that based on industry knowledge or just your opinion as a customer of the insurance industry? I ask because others on this thread who apparently work in the motor insurance business have said otherwise.

I asked my Sister who is Head of Legal at one of the top underwriters in the UK.

It will be recorded as Notice to Terminate was sent. It's splitting hairs to an extent, but there will be a record of it on file and premiums will be affected accordingly.

OP's daughter can truthfully answer "no" to the cancelled questions but there will be a record of it on file. There will be a marker against her name. It will be factored into the cost of her next policy.

The full T&C's will need to be read and that will show if "declined" comes into play. Can it be classed as declined once into a policy?

If a cancellation notice was sent due to the insurer's error, would it be similarly recorded?