Getting insurance after insurer cancelled
Discussion
A colleague moved house on the same day he changed his insurer. The proof of no claims went to the old address and after two weeks waiting the new insurer cancelled the insurance.
The snag is now he's had his insurance cancelled the costs have more than doubled and a lot of insurers simply won't touch him.
Does anybody know of any decent brokers who can help please?
The snag is now he's had his insurance cancelled the costs have more than doubled and a lot of insurers simply won't touch him.
Does anybody know of any decent brokers who can help please?
Seems harsh. Why not run quotes without mentioning this then calling the company with the best quote to explain your worry....I cannot seem them turning away your business then or adding fees.
For technically I am not convinved this is seen as cancelling your contract, more withdrawing it under time out rules.
They are normally worried about serious reasons for cancellation. This can be explained and is not serious at all.
For technically I am not convinved this is seen as cancelling your contract, more withdrawing it under time out rules.
They are normally worried about serious reasons for cancellation. This can be explained and is not serious at all.
CDP said:
A colleague moved house on the same day he changed his insurer. The proof of no claims went to the old address and after two weeks waiting the new insurer cancelled the insurance.
The snag is now he's had his insurance cancelled the costs have more than doubled and a lot of insurers simply won't touch him.
Does anybody know of any decent brokers who can help please?
It all seems all very strange; where to start. The snag is now he's had his insurance cancelled the costs have more than doubled and a lot of insurers simply won't touch him.
Does anybody know of any decent brokers who can help please?
Notwithstanding, anyone who has ever moved house knows that the last thing you will ever think of doing is changing your car insurance on the same day! It is inconceivable that this has happened as you state. No warning, straight cancel, didn't try to call the old insurance, didn't attempt to collect the letter, mail forwarding not set up, changing car insurance and moving on the same day, insurance doubled for this alleged offence, etc, etc...
So they cancelled their insurance and on the phone call? They did not mention that on the same day he was moving house?!!
I read this as your "colleague" has taken out insurance and has not been truthful about the NCB they have and subsequently, they have not been able to prove it and so the new insurance company has voided/cancelled the insurance policy citing no proof of NCB received as per their T&C's. The story is just a story.
If the Insurance company looked into this and found an NCB "irregularity" this may well double the premium as your "colleague" if attempting fraud.
Turfy said:
CDP said:
A colleague moved house on the same day he changed his insurer. The proof of no claims went to the old address and after two weeks waiting the new insurer cancelled the insurance.
The snag is now he's had his insurance cancelled the costs have more than doubled and a lot of insurers simply won't touch him.
Does anybody know of any decent brokers who can help please?
It all seems all very strange; where to start. The snag is now he's had his insurance cancelled the costs have more than doubled and a lot of insurers simply won't touch him.
Does anybody know of any decent brokers who can help please?
Notwithstanding, anyone who has ever moved house knows that the last thing you will ever think of doing is changing your car insurance on the same day! It is inconceivable that this has happened as you state. No warning, straight cancel, didn't try to call the old insurance, didn't attempt to collect the letter, mail forwarding not set up, changing car insurance and moving on the same day, insurance doubled for this alleged offence, etc, etc...
So they cancelled their insurance and on the phone call? They did not mention that on the same day he was moving house?!!
I read this as your "colleague" has taken out insurance and has not been truthful about the NCB they have and subsequently, they have not been able to prove it and so the new insurance company has voided/cancelled the insurance policy citing no proof of NCB received as per their T&C's. The story is just a story.
If the Insurance company looked into this and found an NCB "irregularity" this may well double the premium as your "colleague" if attempting fraud.
Yes the guy is chaotic enough to do all this though it turns out they sent him an email warning that he didn't spot. He did move house on the same day as changing insurance companies and didn't think to redirect the mail.
Everything I've said up there is absolutely true - why would I make it up?
CDP said:
Turfy said:
CDP said:
A colleague moved house on the same day he changed his insurer. The proof of no claims went to the old address and after two weeks waiting the new insurer cancelled the insurance.
The snag is now he's had his insurance cancelled the costs have more than doubled and a lot of insurers simply won't touch him.
Does anybody know of any decent brokers who can help please?
It all seems all very strange; where to start. The snag is now he's had his insurance cancelled the costs have more than doubled and a lot of insurers simply won't touch him.
Does anybody know of any decent brokers who can help please?
Notwithstanding, anyone who has ever moved house knows that the last thing you will ever think of doing is changing your car insurance on the same day! It is inconceivable that this has happened as you state. No warning, straight cancel, didn't try to call the old insurance, didn't attempt to collect the letter, mail forwarding not set up, changing car insurance and moving on the same day, insurance doubled for this alleged offence, etc, etc...
So they cancelled their insurance and on the phone call? They did not mention that on the same day he was moving house?!!
I read this as your "colleague" has taken out insurance and has not been truthful about the NCB they have and subsequently, they have not been able to prove it and so the new insurance company has voided/cancelled the insurance policy citing no proof of NCB received as per their T&C's. The story is just a story.
If the Insurance company looked into this and found an NCB "irregularity" this may well double the premium as your "colleague" if attempting fraud.
Yes the guy is chaotic enough to do all this though it turns out they sent him an email warning that he didn't spot. He did move house on the same day as changing insurance companies and didn't think to redirect the mail.
Everything I've said up there is absolutely true - why would I make it up?
I had this some years ago.
Insurance cancelled policy as I had received a 5 week speeding ban. If it had been 4 weeks they would had let it run apparently.
Anyway when it came to renewal I spoke to AXA and mentioned the cancellation. They said they didn’t really count that as a reason. If it had been for non payment of monthly premiums it would have been a different story.
Insurance cancelled policy as I had received a 5 week speeding ban. If it had been 4 weeks they would had let it run apparently.
Anyway when it came to renewal I spoke to AXA and mentioned the cancellation. They said they didn’t really count that as a reason. If it had been for non payment of monthly premiums it would have been a different story.
Turfy said:
CDP said:
Turfy said:
CDP said:
A colleague moved house on the same day he changed his insurer. The proof of no claims went to the old address and after two weeks waiting the new insurer cancelled the insurance.
The snag is now he's had his insurance cancelled the costs have more than doubled and a lot of insurers simply won't touch him.
Does anybody know of any decent brokers who can help please?
It all seems all very strange; where to start. The snag is now he's had his insurance cancelled the costs have more than doubled and a lot of insurers simply won't touch him.
Does anybody know of any decent brokers who can help please?
Notwithstanding, anyone who has ever moved house knows that the last thing you will ever think of doing is changing your car insurance on the same day! It is inconceivable that this has happened as you state. No warning, straight cancel, didn't try to call the old insurance, didn't attempt to collect the letter, mail forwarding not set up, changing car insurance and moving on the same day, insurance doubled for this alleged offence, etc, etc...
So they cancelled their insurance and on the phone call? They did not mention that on the same day he was moving house?!!
I read this as your "colleague" has taken out insurance and has not been truthful about the NCB they have and subsequently, they have not been able to prove it and so the new insurance company has voided/cancelled the insurance policy citing no proof of NCB received as per their T&C's. The story is just a story.
If the Insurance company looked into this and found an NCB "irregularity" this may well double the premium as your "colleague" if attempting fraud.
Yes the guy is chaotic enough to do all this though it turns out they sent him an email warning that he didn't spot. He did move house on the same day as changing insurance companies and didn't think to redirect the mail.
Everything I've said up there is absolutely true - why would I make it up?
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