Insurance cancelled after 1 week

Insurance cancelled after 1 week

Author
Discussion

SonicShadow

2,452 posts

153 months

Thursday 19th July 2018
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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.
Modified MR2 here, wouldn't go back to Flux even if they were the cheapest.

maclarkk

2,622 posts

69 months

Thursday 19th July 2018
quotequote all
SonicShadow said:
Modified MR2 here, wouldn't go back to Flux even if they were the cheapest.
Fair enough.

I’m currently with First Alternative which is underwritten by eSure I think. Awful service and poor policy but cheap as chips. clap

Hol

8,359 posts

199 months

Thursday 19th July 2018
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surveyor_101 said:
C70R said:
My experience is 100% to the contrary!
Yeh I second that, never again adrian flux.
Thirded.

They both suck and blow at the same time.

Pica-Pica

13,621 posts

83 months

Thursday 19th July 2018
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berlintaxi said:
Pica-Pica said:
Ha! My Sat Nav had me driving through the River Mersey, in fact I was driving over the new Mersey Gateway Bridge.
When was the last time you updated the maps in your satnav? I imagine most telematic companies are not as tardy as the average driver.
It is supposed to be automatic. Every 3 months I understand. The bridge was opened last November.

TwigtheWonderkid

43,248 posts

149 months

Thursday 19th July 2018
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Haltamer said:
Faz50 said:
What happens if you go on a track day in your car?

Do you tell them first? How do they know it’s on a track if the gps is dodgy?

Or is it in their t+c not to do so?
But then you can get track day insurance and the box would still be active on one policy but not the other.

Interested to know.
I've considered this myself;
Black box insurance is for young drivers driving basic cars that young drivers often drive. How many young drivers do track days in their own car?

I don't think this dilemma is a deal breaker for black box insurance.

Everyone seems to be going out of their way to invent stupid scenarios to prove to themselves that black boxes are a bad idea, when the actual facts (reduced accident rate, reduced accident costs, lower insurance costs, thousands of satisfied customers) tell us that for young drivers, they can be a great idea.

They are not compulsory. If you think they're crap, don't consider it if you have teenage kids.

Hol

8,359 posts

199 months

Thursday 19th July 2018
quotequote all
My kids don’t have black boxes and the world hasn’t ended.




Dromedary66

1,924 posts

137 months

Thursday 19th July 2018
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I doubt the cancelling within the cooling off period to avoid the insurer cancellation marker is going to work.

Or rather, she better hope she never has to put in a large claim in the future, because they might do some digging on her, find this cancellation notice and void the policy.

Efbe

9,251 posts

165 months

Thursday 19th July 2018
quotequote all
Haltamer said:
I've considered this myself; When I was in Germany I was planning to go for a (really laugh ) 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! biggrin
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.
maybe, but if (as suggested previously) the box links in to the car data, then revs will be high in a 1.5 tepid hatchback making it look like it's going fast and the furious when it's just trying to speed up going onto a motorway

TooMany2cvs

29,008 posts

125 months

Thursday 19th July 2018
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Hol said:
My kids don’t have black boxes and the world hasn’t ended.
That's not what it's about.

Would their insurance premium be cheaper if they did?

Would having a black box lead to their insurer taking a dim view of their driving style?

Efbe

9,251 posts

165 months

Thursday 19th July 2018
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TooMany2cvs said:
Hol said:
My kids don’t have black boxes and the world hasn’t ended.
That's not what it's about.

Would their insurance premium be cheaper if they did?

Would having a black box lead to their insurer taking a dim view of their driving style?
Credit to Hol though.

His kids could both afford £3000 each for their first car insurance. well done!

anonymous-user

53 months

Thursday 19th July 2018
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Dromedary66 said:
I doubt the cancelling within the cooling off period to avoid the insurer cancellation marker is going to work.

Or rather, she better hope she never has to put in a large claim in the future, because they might do some digging on her, find this cancellation notice and void the policy.
How would they do that?

gazza285

9,780 posts

207 months

Thursday 19th July 2018
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We have black boxes fitted to all our works vehicles, and the drivers who score highly get the new motors, and the crap drivers get the hand-me-downs. It’s easy to get a good rating, by not driving like a tool.

maclarkk

2,622 posts

69 months

Thursday 19th July 2018
quotequote all
Dromedary66 said:
I doubt the cancelling within the cooling off period to avoid the insurer cancellation marker is going to work.

Or rather, she better hope she never has to put in a large claim in the future, because they might do some digging on her, find this cancellation notice and void the policy.
Providing she manages to cancel the policy before the insurer does (I admit it’s chances are slim), then she won’t have any problems in the future.

The question insurers ask is “have you ever had a policy cancelled/voided? Etc.”

Not “have you ever had a cancellation notice before?”

HarveyM

Original Poster:

154 posts

172 months

Thursday 19th July 2018
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Hammy98 said:
OP - Did you get a refund...?

I know they were planning to cancel but if you cancelled during the cooling off period surely they would have to refund you the premium minus the cost of the week she was covered, any admin fees and the cost of the telematics box?
No, I’m told there was no refund. The cost of the black box plus the broker commission seems to have been sufficiently hefty to preclude that.

HarveyM

Original Poster:

154 posts

172 months

Thursday 19th July 2018
quotequote all
maclarkk said:
Providing she manages to cancel the policy before the insurer does (I admit it’s chances are slim), then she won’t have any problems in the future.

The question insurers ask is “have you ever had a policy cancelled/voided? Etc.”

Not “have you ever had a cancellation notice before?”
The policy was cancelled by my daughter at 10:00 this morning. I really hope that means she’s dodged the bullet.

InitialDave

11,856 posts

118 months

Thursday 19th July 2018
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The policy must have been active for her to cancel it. So she cancelled it before they did.

PorkInsider

5,877 posts

140 months

Friday 20th July 2018
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InitialDave said:
The policy must have been active for her to cancel it. So she cancelled it before they did.
This ^^

Twig, who posted a couple of times in this thread, is an insurance guy and it was his advice too so I’d assume she’ll be ok regarding not having to declare the cancelled policy.

TwigtheWonderkid

43,248 posts

149 months

Friday 20th July 2018
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PorkInsider said:
InitialDave said:
The policy must have been active for her to cancel it. So she cancelled it before they did.
This ^^

Twig, who posted a couple of times in this thread, is an insurance guy and it was his advice too so I’d assume she’ll be ok regarding not having to declare the cancelled policy.
I've never seen an insurer ask "have you ever been threatened that your policy was going to be cancelled?" They ask "have you ever had a policy cancelled?" The answer to that would be NO. She didn't have a policy cancelled, she cancelled her own policy.

If I plan to murder someone, and they top themselves before I get round to it, then I'm not a murderer. If I'm asked if I ever murdered anyone, I can say NO. hehe

surveyor_101

5,069 posts

178 months

Friday 20th July 2018
quotequote all
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

Red Devil

13,055 posts

207 months

Friday 20th July 2018
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SonicShadow said:
I think I'll stick to rusty old Japanese stboxes for as long as I can smile
Definitely the best policy. biggrin