Insurance Query
Discussion
Evening chaps.
Hoping someone may be able to help out with a spot of advice here.
My gf has changed her insurance company upon renewal. The previous one refused to send out a No Claims cert. until the policy had expired, and that they would send one out upon completion. The new insurers said that this was fine and would wait until the certificate arrived. This was about a month ago.j
She's now had a letter from the new insurers demanding that the no claims cert be sent within 10 days or the insurance is invalid. They also claim to have sent a previous letter to the same effect, but this letter has not been received (apparently sent over a fortnight ago).
The problem is that she has now given some grief to the old insurer who has agreed to finally sned out the cert. but can't guarantee anything less than 3-5 days. No only will this fall outside the period of gracve offered by the new insurers, we're going on holiday anyway, so won't be around to get it sent off. The old insurers refuse to fax it through, and refuse to telephone the new insurers to tell them that a no claims cert. does exist, but that it will take a few days to arrive. The new insurers refuse to phone the old insurers to ask where it is.
The result of this is that she is faced with the possibility of being charged and/or having insurance withdrawn because of the tardiness/incompetence of her old insurer.
Is she entitled to demand faster action from the old insurer? What about more leniency from the new one? If the worst case scenario happens, are there any legal avenues she could explore?
Cheers.
Jewhoo
Hoping someone may be able to help out with a spot of advice here.
My gf has changed her insurance company upon renewal. The previous one refused to send out a No Claims cert. until the policy had expired, and that they would send one out upon completion. The new insurers said that this was fine and would wait until the certificate arrived. This was about a month ago.j
She's now had a letter from the new insurers demanding that the no claims cert be sent within 10 days or the insurance is invalid. They also claim to have sent a previous letter to the same effect, but this letter has not been received (apparently sent over a fortnight ago).
The problem is that she has now given some grief to the old insurer who has agreed to finally sned out the cert. but can't guarantee anything less than 3-5 days. No only will this fall outside the period of gracve offered by the new insurers, we're going on holiday anyway, so won't be around to get it sent off. The old insurers refuse to fax it through, and refuse to telephone the new insurers to tell them that a no claims cert. does exist, but that it will take a few days to arrive. The new insurers refuse to phone the old insurers to ask where it is.
The result of this is that she is faced with the possibility of being charged and/or having insurance withdrawn because of the tardiness/incompetence of her old insurer.
Is she entitled to demand faster action from the old insurer? What about more leniency from the new one? If the worst case scenario happens, are there any legal avenues she could explore?
Cheers.
Jewhoo
Sounds like someone at the old insurance company is being bloody minded if they refuse to fax confirmation.
See how high up the chain you can go. Make a severe nuisance of yourself to the highest placed person you can get in touch with. They will often do something this simple just to get rid of you.
The same might be useful with the current company. After all you are their customer.
See how high up the chain you can go. Make a severe nuisance of yourself to the highest placed person you can get in touch with. They will often do something this simple just to get rid of you.
The same might be useful with the current company. After all you are their customer.
Similar thing happened to me.
The new company took the money off my credit card to cover the difference.
I complained to the credit card company, got my money back and then the insurance company tried to stop my entire insurance.
To cut a long story short. I cost them a fortune by demanding my rights under the data protection act and got a huge pile fo audio tapes and documents that would have cost them more than my annual premium then cancelled insuarnce and went to another company.
2 conclusions :-
1) Insurance companies do what they want and if they cancel on you then you are breaking the law
2) Don't use Dial-Direct (or their parent company Budget)
Tim
The new company took the money off my credit card to cover the difference.
I complained to the credit card company, got my money back and then the insurance company tried to stop my entire insurance.
To cut a long story short. I cost them a fortune by demanding my rights under the data protection act and got a huge pile fo audio tapes and documents that would have cost them more than my annual premium then cancelled insuarnce and went to another company.
2 conclusions :-
1) Insurance companies do what they want and if they cancel on you then you are breaking the law
2) Don't use Dial-Direct (or their parent company Budget)
Tim
It would appear that some of the customer services operatives lacked any ability in customer services. Despite originally refusing to do anything to help the situation, things changed when my girlfriend rang up and immediately asked to speak to a supervisor.
The old company said that "it's not what we normally do but because of your circumstances we'll fax it for you......". Great, bt they didn't fax it when they agreed to and it required a follow up call to get it done. They woudn't fax it to the other company, who just plain refused to help at all.
Moral of the story - Churchill are useless, Seat insurance are incapable.
The old company said that "it's not what we normally do but because of your circumstances we'll fax it for you......". Great, bt they didn't fax it when they agreed to and it required a follow up call to get it done. They woudn't fax it to the other company, who just plain refused to help at all.
Moral of the story - Churchill are useless, Seat insurance are incapable.
jewhoo said:
It would appear that some of the customer services operatives lacked any ability in customer services. Despite originally refusing to do anything to help the situation, things changed when my girlfriend rang up and immediately asked to speak to a supervisor.
The old company said that "it's not what we normally do but because of your circumstances we'll fax it for you......". Great, bt they didn't fax it when they agreed to and it required a follow up call to get it done. They woudn't fax it to the other company, who just plain refused to help at all.
Moral of the story - Churchill are useless, Seat insurance are incapable.
Things have gone waaaay downhill at Churchill since those to$$ers at RBS took over
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