Certain welsh insurance company taking the p1ss

[DannyVTS]

Morning all.

Just been talking to someone at work... they've recently took out an insurance policy (about 3 weeks ago the policy began) and this weekend he was delivered a letter stating that he is going to be charged £115 additional premium because they have found discrepancies in their computer system.

The additional charge is for an "engine chip 11-25 inc BHP" - a modification he doesn't have.

Obviously he's phoned up and complained/asked them to remove the charge but they are saying he must take his car to an approved garage, at his cost, in order to prove he doesn't have an engine chip installed.

We think it's due to him doing a quote on a remapped car out of interest earlier in the year.

Anyone had this happen to them?

Going to ring them back today and hopefully get through to the Welsh call centre rather than the Indian one.

Dan

[DannyVTS]

bump

[sday12]

doogz said:

Assuming this is all 100% true, as it all sounds a bit odd.

I call BS on this, if he says he doesn't have it, and does, he's not insured.

[nouze]

Perhaps it's not 100% true. But on the other hand I think it's quite obvious that all the dummy/test quotes are being kept on the system so what's preventing them from taking them into account?

[georgejoshington]

I had the exact same thing happen to me with this company.

When car shopping late last year, one of the cars I was looking it had a remap on it, so I included that in the quote for that car.

I didn't end up buying that car, but somehow they seemed to blend the quote I had for that car with the one I ended up buying (which most definitely has no remap - you'd have to be pretty sad to remap a N/A engine), so received a letter in the post a couple of weeks after taking out the policy informing me that I was very naughty for not saying this car had a remap and I was being charged a couple of hundred quid or so.

It took a very insistent phone call for them to correct it, but they did. Bad luck that your mate is having to go to a garage.

[DannyVTS]

sday12 said:

I call BS on this, if he says he doesn't have it, and does, he's not insured.

He doesn't have it... thanks for the replies will pass them on

[A911DOM]

Can they not tell from the different registration number that the quotes are for different vehicles?

[DannyVTS]

georgejoshington said:

I had the exact same thing happen to me with this company.

When car shopping late last year, one of the cars I was looking it had a remap on it, so I included that in the quote for that car.

I didn't end up buying that car, but somehow they seemed to blend the quote I had for that car with the one I ended up buying (which most definitely has no remap - you'd have to be pretty sad to remap a N/A engine), so received a letter in the post a couple of weeks after taking out the policy informing me that I was very naughty for not saying this car had a remap and I was being charged a couple of hundred quid or so.

It took a very insistent phone call for them to correct it, but they did. Bad luck that your mate is having to go to a garage.

Thanks, he will be giving them a call today and will update of what is said

[DannyVTS]

A911DOM said:

Can they not tell from the different registration number that the quotes are for different vehicles?

In his case the car is the same reg plate, but he did the quote to see how much it would increase were he to have it remapped.

[GreigM]

Or has a previous owner had it mapped, not declared this at sale time, but had insured it correctly? Maybe your mate is in for a shock at the garage.

[DannyVTS]

GreigM said:

Or has a previous owner had it mapped, not declared this at sale time, but had insured it correctly? Maybe your mate is in for a shock at the garage.

Good point actually, never considered this.

How much would a 150PS 320d map to?

[GreigM]

DannyVTS said:

Good point actually, never considered this.

How much would a 150PS 320d map to?

depends on the map - 175-210 without mods I'd imagine.

[DannyVTS]

Noticeable then.

He doesn't think it's had one, It's quick but not that quick.

[Deva Link]

GreigM said:

Or has a previous owner had it mapped, not declared this at sale time, but had insured it correctly? Maybe your mate is in for a shock at the garage.

Must happen quite a bit, that.

[DannyVTS]

update:

Insurance company once again told him to get the car to a garage and prove he didn't have an ECU remap, so he said okay then but I'd like to file an official complaint... a few minutes later the charge was removed

Weird or what?

[ZOLLAR]

DannyVTS said:

update:

Insurance company once again told him to get the car to a garage and prove he didn't have an ECU remap, so he said okay then but I'd like to file an official complaint... a few minutes later the charge was removed

Weird or what?

Not really if a complaint escalates it can end up costing more to deal with the complaint than it is to waiver the charge.

[DannyVTS]

ZOLLAR said:

Not really if a complaint escalates it can end up costing more to deal with the complaint than it is to waiver the charge.

hmm you could be the man to answer this one ZOLLAR.

Why did he have to prove he didn't have the modification?

[ZOLLAR]

DannyVTS said:

ZOLLAR said:

Not really if a complaint escalates it can end up costing more to deal with the complaint than it is to waiver the charge.

hmm you could be the man to answer this one ZOLLAR.

Why did he have to prove he didn't have the modification?

Alas, there are certain things I can't post on public forums, best to advise him to call the company and they can go through it with him.

[saaby93]

DannyVTS said:

hmm you could be the man ... ZOLLAR.

[ZOLLAR]

saaby93 said:

DannyVTS said:

hmm you could be the man ... ZOLLAR.

?