Insurance cancelled after 1 week
Discussion
Gavia said:
Have you seen her feedback from the latest policy?
No - just been trying to address the cancellation. Gavia said:
Plus your comment is likely to just send this off on a tangent and start to prompt others to see you as a troll
Apologies all. Not looking to de-rail. Just grateful that her driving being monitored has avoided the risk of an even worse outcome. davek_964 said:
My girlfriend's daughter works for an insurance company (broker) and I believe they specialise in people who have history that makes them 'difficult' to insure.
I'll find out who they are / contact number. Don't know if it will be any use but might be worth a phone call.
Yes, please. All advice and suggestions welcome. I'll find out who they are / contact number. Don't know if it will be any use but might be worth a phone call.
InitialDave said:
super7 said:
Her last policy was cancelled by the insurers
super7 said:
If you get a letter through the post/phone call/email from your insurer saying your policy is being cancelled..... it's being cancelled!
Can't have both. 
Gavia said:
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.
If we take the OP at face value then do we have to assume that something similar is in operation?
There is surely no means by which insurers could exchange this info and meet their data protection obligations? In fact the cancellation seems unfair and legally questionable, the "marker" grossly so, surely an instruction to seek driver improvement would be the first action?
hairyben said:
Gavia said:
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.
If we take the OP at face value then do we have to assume that something similar is in operation?
There is surely no means by which insurers could exchange this info and meet their data protection obligations? In fact the cancellation seems unfair and legally questionable, the "marker" grossly so, surely an instruction to seek driver improvement would be the first action?
The Mad Monk said:
Oh dear.
"Where do we go from here?"
Perhaps suggest to your daughter that she sorts it out herself, because she is an adult and it really isn't your problem.
I take it that you are infact a genuine, real life, monumental retard. "Where do we go from here?"
Perhaps suggest to your daughter that she sorts it out herself, because she is an adult and it really isn't your problem.
Also at 17, she is not an adult. Helps to get facts correct if you are going to post.
HarveyM said:
Adrian Flux insurance was Trinity Lane.
Auto Saints is Markerstudy.
Notification of cancellation this time was verbal, and apparently the agent said that “on suspension” was the same as “cancelled” and wouldn’t hear otherwise.
Kids. Who’d have ‘em?
They are cheap for a reason. Just wait until you have to make a claim...Auto Saints is Markerstudy.
Notification of cancellation this time was verbal, and apparently the agent said that “on suspension” was the same as “cancelled” and wouldn’t hear otherwise.
Kids. Who’d have ‘em?
That's when you find out the true value of what you're paying for.
Although it may not seem like it, they may have done her a favour
TwigtheWonderkid said:
No, he's definitely right. I said I was going to murder my neighbour. But he topped himself the day before I was going to do it. So if I'm ever asked if I've murdered someone, the answer is YES. Obvious really!
I tried that line of argument. They just kept repeating that notice of future cancellation counts as a forced cancellation. You’d better hand yourself in for that murder you are intending to commit [/MinorityReport]
Gavia said:
That sounds great, I’m sure that an outside consultant could handle the multiple millions of requests sent each year without any problem, after all every single quotation generated by every single insurer and price comparison website will need running through this instantly so that the online quote system can either quote or decline. No cost at all there and zero operational friction either.
Insurance Initiatives did just that - hundreds of millions of transactions a year. Got sold for brewster's millions not so long ago.Nobody I am aware of checks a "database" for cancelled policies. We've designed and built our own quote system so would sign up to such a database if it was there.
desolate said:
Insurance Initiatives did just that - hundreds of millions of transactions a year. Got sold for brewster's millions not so long ago.
Nobody I am aware of checks a "database" for cancelled policies. We've designed and built our own quote system so would sign up to such a database if it was there.
They still need a database to check, which doesn’t exist. Equally motor insurance is far more difficult to “police”, look at the difficulties they’ve had trying to create an NCD one. It’s one thing to design a database, another to get insurers to sign up to it and then an even bigger one to get them to maintain it accurately. GIGO is one of main the challenges here, alongside insurers not wanting to add cost and friction into their processes. Nobody I am aware of checks a "database" for cancelled policies. We've designed and built our own quote system so would sign up to such a database if it was there.
I know you’ve got your own quote engine, but most insurers have multiple quote and claims systems, all of which are cannibalised versions of other systems. Equally, the queues for IT enhancements are ususallly Howard’s of months and often things get bumped. I can’t see this being a huge priority for the large motor insurers.
HarveyM said:
I tried that line of argument. They just kept repeating that notice of future cancellation counts as a forced cancellation.
Any insurance company is perfectly entitled to insure or refuse to insure whoever they like. But what they have said is wrong. The question they ask is if you've ever had a policy cancelled. Not if you've ever cancelled a policy. She'd never had a policy cancelled. She was about to, but it didn't happen.
Gavia said:
That sounds great, I’m sure that an outside consultant could handle the multiple millions of requests sent each year without any problem, after all every single quotation generated by every single insurer and price comparison website will need running through this instantly so that the online quote system can either quote or decline. No cost at all there and zero operational friction either.
well, it wasn't instant was it. Perhaps my example is not the model by which this could work, but it's an example of data sharing - so elusive that the idea of its existence was ridiculed - did work for years, undetected.
"I can't personally visualise how it would work" doesn't make it impossible.
hairyben said:
well, it wasn't instant was it.
Perhaps my example is not the model by which this could work, but it's an example of data sharing - so elusive that the idea of its existence was ridiculed - did work for years, undetected.
"I can't personally visualise how it would work" doesn't make it impossible.
Not forgetting, massively illegal. Perhaps my example is not the model by which this could work, but it's an example of data sharing - so elusive that the idea of its existence was ridiculed - did work for years, undetected.
"I can't personally visualise how it would work" doesn't make it impossible.
Gavia said:
They still need a database to check, which doesn’t exist. Equally motor insurance is far more difficult to “police”, look at the difficulties they’ve had trying to create an NCD one. It’s one thing to design a database, another to get insurers to sign up to it and then an even bigger one to get them to maintain it accurately. GIGO is one of main the challenges here, alongside insurers not wanting to add cost and friction into their processes.
I know you’ve got your own quote engine, but most insurers have multiple quote and claims systems, all of which are cannibalised versions of other systems. Equally, the queues for IT enhancements are ususallly Howard’s of months and often things get bumped. I can’t see this being a huge priority for the large motor insurers.
I completely agree.I know you’ve got your own quote engine, but most insurers have multiple quote and claims systems, all of which are cannibalised versions of other systems. Equally, the queues for IT enhancements are ususallly Howard’s of months and often things get bumped. I can’t see this being a huge priority for the large motor insurers.
I am prettt sure it isn't happening but I can't be 100% certain.
They can't even agree on the DVLA data and at least one company shovels so much s
t into CUE we have to disregard them TwigtheWonderkid said:
Any insurance company is perfectly entitled to insure or refuse to insure whoever they like. But what they have said is wrong.
The question they ask is if you've ever had a policy cancelled. Not if you've ever cancelled a policy. She'd never had a policy cancelled. She was about to, but it didn't happen.
I’ve been reading these forums long enough to respect the quality of your knowledge and advice. Just a shame that Auto Saint doesn’t share the same view. I would have sought to escalate to have a robust argument with someone about their phrasing but as I mentioned before, I’m not directly party to the contract. The question they ask is if you've ever had a policy cancelled. Not if you've ever cancelled a policy. She'd never had a policy cancelled. She was about to, but it didn't happen.
HarveyM said:
davek_964 said:
My girlfriend's daughter works for an insurance company (broker) and I believe they specialise in people who have history that makes them 'difficult' to insure.
I'll find out who they are / contact number. Don't know if it will be any use but might be worth a phone call.
Yes, please. All advice and suggestions welcome. I'll find out who they are / contact number. Don't know if it will be any use but might be worth a phone call.
Apparently they specialise in drivers with convictions, but you never know - maybe they can help.
Gavia said:
They still need a database to check, which doesn’t exist. Equally motor insurance is far more difficult to “police”, look at the difficulties they’ve had trying to create an NCD one. It’s one thing to design a database, another to get insurers to sign up to it and then an even bigger one to get them to maintain it accurately. GIGO is one of main the challenges here, alongside insurers not wanting to add cost and friction into their processes.
I know you’ve got your own quote engine, but most insurers have multiple quote and claims systems, all of which are cannibalised versions of other systems. Equally, the queues for IT enhancements are ususallly Howard’s of months and often things get bumped. I can’t see this being a huge priority for the large motor insurers.
It is true in regards to GIGO.I know you’ve got your own quote engine, but most insurers have multiple quote and claims systems, all of which are cannibalised versions of other systems. Equally, the queues for IT enhancements are ususallly Howard’s of months and often things get bumped. I can’t see this being a huge priority for the large motor insurers.
I had to challenge my own insurer over the accuracy of a claim that should have been closed, but was still showing as open on CUE and rest of the databases that are "supposed" to help.
I think from a customer perspective it is frustrating that some of these agencies/ databases are not just more open, I mean how many have really heard of more CRA's beyond the usual suspects like Experian, Callcredit and Equifax to the less known less Hunter.
Having been into a major insurer base in Bromley (the one that split from a major bank...) it did open my eyes to the level of complexity, the level of data being pulled, collected and outputted, but as said elsewhere the issues of silos.
Which is one reason so many have started overlaying MDM and other solutions on top, but issues like senior management changes (and their relevant methods and direction) and the obligatory outsourcing always caused issues (and one of these is a major reason by the multi million and year project really never progressed as far as it could).
Having come across some data transformation teams working for major insurers I could say I would not touch Hiscox for example.
davek_964 said:
First Insurance : 01344 286194. Ask for Amy Park if you get a chance.
Apparently they specialise in drivers with convictions, but you never know - maybe they can help.
Trading name of Fresh Insurance Services Group Ltd... who also trade as Auto Saint!Apparently they specialise in drivers with convictions, but you never know - maybe they can help.
I’ll pass it on though, thanks. Worth a call.
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