Insurance cancelled after 1 week

[HarveyM]

Whether they can legally do it or not, they’ve done it and are intractable. I’ve just spent 10 minutes on the phone to Auto Saint.

I’m one step removed from this (being a third party to the discussion) but trust my daughter to have answered accurately to the questions asked.

Back to square one - a best quote of c. £8k. for her first year of driving. Bus, bike or Shanks’ pony.

[HarveyM]

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.

Edited by HarveyM on Monday 13th August 14:50

[HarveyM]

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]

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.

[HarveyM]

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.

[HarveyM]

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.

[HarveyM]

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]

[HarveyM]

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.

[HarveyM]

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!

I’ll pass it on though, thanks. Worth a call.

[HarveyM]

desolate said:

I was wondering if the second cancellation could be down to the premium finance company.

That's my best guess, other than your daughter editing the story.

I spoke to Auto Saint. It was down to “non-disclosure” - I.e. failing to provide information they didn’t ask for.