Insurance cancelled after 1 week
Discussion
bad company said:
HarveyM said:
I would never commit fraud. I was trying to help out because my 17 year old drove really badly for one day and I don’t want her penalised for the rest of her life. I want her to have learned a lesson, take responsibility for her driving and learn to be a very good driver.
I also want the “lesson learned” to be proportionate - several weeks off the road and an extra few hundred quid on her next policy would feel so to me. Other views may vary.
I’m not exonerating her from the disgraceful driving demonstrated to date.
And yes, she likes to act like she’s all grown up when it comes to life’s opportunities but she is not yet an adult.
You’re getting some unjustified sI also want the “lesson learned” to be proportionate - several weeks off the road and an extra few hundred quid on her next policy would feel so to me. Other views may vary.
I’m not exonerating her from the disgraceful driving demonstrated to date.
And yes, she likes to act like she’s all grown up when it comes to life’s opportunities but she is not yet an adult.
Edited by HarveyM on Monday 13th August 14:50
t on here, I’m afraid PH has attracted more than it’s fair share of keyboard warriors. I would do exactly the same in your shoes.I wish I could offer some more practical help. Is it worth trying again outside of the insurance group she was with or does she have 2 cancelled policies now?
This thread makes me grateful I learned to drive decades ago because I would have definitely failed the black box stats within the first week...and the subsequent six months until I wrote my second my car off and got the roasting of a life time from my dad and he made my Uncle take me out for advanced driving lessons (he was Strathclyde TRAFPOL).
And I would do the same OP and help my 17 year old daughter out.
Well done for updating the thread...99% of the threads on here never get a conclusion/update.
And I would do the same OP and help my 17 year old daughter out.
Well done for updating the thread...99% of the threads on here never get a conclusion/update.
hondafanatic said:
This thread makes me grateful I learned to drive decades ago because I would have definitely failed the black box stats within the first week...and the subsequent six months until I wrote my second my car off and got the roasting of a life time from my dad and he made my Uncle take me out for advanced driving lessons (he was Strathclyde TRAFPOL).
And I would do the same OP and help my 17 year old daughter out.
Well done for updating the thread...99% of the threads on here never get a conclusion/update.
Yes life was much easier when I learned to drive back in the day. Off topic but I was taught by the RAF driving school at St. Athan where you needed a very good reason to be travelling at anything less than the speed limit. Happy days.And I would do the same OP and help my 17 year old daughter out.
Well done for updating the thread...99% of the threads on here never get a conclusion/update.
bad company said:
super7 said:
Are you suggesting she should LIE to another insurer?
As I understood it her last policy was cancelled by her so no need to LIE. The problem now is it seems that the second insurers probably have cancelled her policy. Perhaps she should cancel that?super7 said:
You don't need to be bleeding edge to send a file everyday of people with cancelled policies!
And you don't need to be bleeding edge to be able to receive it and use it....
Do you think these insurers are all running in the past. They have been at this for years!
What do they do with that file? What format should it be sent in? Who do you send it to? How do they upload it into their system? Is there someone who turns it around within minutes of receipt? Getting data is one thing, making it viable to use effectively is completely different. And you don't need to be bleeding edge to be able to receive it and use it....
Do you think these insurers are all running in the past. They have been at this for years!
Most insurers have multiple IT systems that struggle to talk to each other, let alone integrating the external databases without adding operational friction and cost into the processes.
super7 said:
bad company said:
super7 said:
Are you suggesting she should LIE to another insurer?
As I understood it her last policy was cancelled by her so no need to LIE. The problem now is it seems that the second insurers probably have cancelled her policy. Perhaps she should cancel that?Edited by bad company on Monday 13th August 15:30
What we really need is a nice pistonheads bloke that works in insurance to help get a policy set up.
It does seem very unfair regardless of how she drove for such a short period of time. I'm sure lesson has been learned and a few hundred extra on a policy would represent punishment enough.
At least they want to be insured, think how many don't do it.
It does seem very unfair regardless of how she drove for such a short period of time. I'm sure lesson has been learned and a few hundred extra on a policy would represent punishment enough.
At least they want to be insured, think how many don't do it.
Back to the issue. Can she not be insured with a large excess, perhaps in the form of a refundable and reducing deposit? Can she then have a personal black box so she can track her driving style and pre-empt any future cancellation?
As I have said previously, she must have been driving in a manner likely to get her 6 points,and I licence revocation, at least she still has her licence.
As I have said previously, she must have been driving in a manner likely to get her 6 points,and I licence revocation, at least she still has her licence.
All this talk of the phrasing of the question etc is all semantics. The UK insurance industry works on, amongst others principles utmost good faith, the contract between the insurer and the client that all information is up to date accurate and honest. The tense that a question is asked in or the exact phrasing is really immaterial when the large pictures says, in this instance information isn't being presented accurately. if in doubt there is no doubt and there was lots of doubt that re-insuring and dodging the cancellation question on a technicality would actually work and it hasn't.
The insurers will, and have (at least in the second cancellation instance) viewed the insured as being of a higher moral hazard (the car for example being a physical hazard) due to non-disclosure and have followed procedure. As others have said I really have no idea how they found out though. Not having a go OP but trying to slide through a second time unnoticed was 'a bit naughty'. I can however see your thinking and don't necessarily blame you.
The insurers will, and have (at least in the second cancellation instance) viewed the insured as being of a higher moral hazard (the car for example being a physical hazard) due to non-disclosure and have followed procedure. As others have said I really have no idea how they found out though. Not having a go OP but trying to slide through a second time unnoticed was 'a bit naughty'. I can however see your thinking and don't necessarily blame you.
super7 said:
If you want a 'bad day' to be forgotten, don't get a black box policy. Pay the extra...... God knows how many cancellations we would get if most of us had a black box.
She couldn’t afford a policy other than one with a black box. She was naive/reckless and assumed that her driving standard would attract a warning (as stated in the policy). She never expected them to move straight to cancellation. That was utterly foolish on her part. Just looking for some advice on how to untangle this and avoid one bad day affecting the rest of her life. There’s a lot of it left to run, after all.
Separate question: when does the industry recognise that misdemeanours are ancient history? Will she be paying thousands per year for the rest of her life?!
HarveyM said:
PS - I’m quite glad for black box policies, as it’s a means of feedback and curbing reckless driving. Would happily have one for myself if cheaper than a standard policy.
Have you seen her feedback from the latest policy?Plus your comment is likely to just send this off on a tangent and start to prompt others to see you as a troll
HarveyM said:
super7 said:
If you want a 'bad day' to be forgotten, don't get a black box policy. Pay the extra...... God knows how many cancellations we would get if most of us had a black box.
She couldn’t afford a policy other than one with a black box. She was naive/reckless and assumed that her driving standard would attract a warning (as stated in the policy). She never expected them to move straight to cancellation. That was utterly foolish on her part. Just looking for some advice on how to untangle this and avoid one bad day affecting the rest of her life. There’s a lot of it left to run, after all.
Separate question: when does the industry recognise that misdemeanours are ancient history? Will she be paying thousands per year for the rest of her life?!
Funnilly enough, after one year of black box driving the premium for a non-black box policy was cheaper!
I've worked for years running IT for large Insurers. I know what data is shared via file transfers. I also know it's all automated. Nobody has to process this stuff..... it's all done automatically! File comes in, probably sent by Connect:Direct or via CA-XCOM, triggers a batch job waiting in CA7 for the file or in Tivoli workload schduler or equivalent. Batch job reads the file and automatically updates a database (probably Db2) etc etc No HUMAN needs to touch it. Ever.
You will probably get nowhere with main stream insureres. You'll need to go through a specialist broker who deals with these situations.
super7 said:
You don't need to be bleeding edge to send a file everyday of people with cancelled policies!
And you don't need to be bleeding edge to be able to receive it and use it....
Do you think these insurers are all running in the past. They have been at this for years!
Personal experience and qualifications or just supposition?And you don't need to be bleeding edge to be able to receive it and use it....
Do you think these insurers are all running in the past. They have been at this for years!
If it's the latter please PM me and let's do business.
Just seen your experience: please PM me as I would like access to this data.
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