Issues with Insurance Policy

[veester]

I have (had should i say) a car insurance policy with NUD.

There were issues with my DD and when i got in touch with NUD was told my policy was cancelled and i had to buy another one from new.

This cost me £130 up front plus the cost per month.

2 months later,again, issues with the DD from my bank and my policy has been cancelled, despite me trying to reinstate i am being told i have to buy a new policy from scratch. :o

So, i paid £130 for nothing??????

	Car Insurance

[LemonTwist]

Do you know exactly what was causing the issues with your direct debit? Did you have sufficient funds in your account?

	The Direct Debit Guarantee • The Guarantee is offered by all Banks and Building Societies that take part in the Direct Debit Scheme. The efficiency and security of the Scheme is monitored and protected by your own Bank or Building Society. • If the amounts to be paid or the payment dates change, we will notify you three working days in advance of your account being debited or as otherwise agreed. • If an error is made by us or by your Bank or Building Society, you are guaranteed a full and immediate refund from your branch of the amount paid. • You can cancel a Direct Debit at any time by writing your Bank or Building Society. Please also send a copy of your letter to us. This is a term of your banking contract and you can sue on it.

[cazzaswfc]

Hi Veester.

If your direct debit agreement is Cancelled by the bank ( either by yourself or an error by the bank) or NU were unable to take funds it is possible that your policy will be cancelled due to non payment.

However, normally 2 warning letters are sent BEFORE a Notice of cancellation is sent. Did you not recieve any of these?
Have you moved address recently and forgotten to inform NU?

In response to your comments about paying for nothing, I'm presuming the fee paid was your deposit? therefore this charge will have covered you for 2 months of insurance. ( no cancellation fee applies if NU cancel your policy due to non payment of dd's - they simply cancel from your paid upto date)

Hope this helps, When you called up the first time ( when you advise there were no issues with the dd) what were you informed?

	The Direct Debit Guarantee • The Guarantee is offered by all Banks and Building Societies that take part in the Direct Debit Scheme. The efficiency and security of the Scheme is monitored and protected by your own Bank or Building Society. • If the amounts to be paid or the payment dates change, we will notify you three working days in advance of your account being debited or as otherwise agreed. • If an error is made by us or by your Bank or Building Society, you are guaranteed a full and immediate refund from your branch of the amount paid. • You can cancel a Direct Debit at any time by writing your Bank or Building Society. Please also send a copy of your letter to us. This is a term of your banking contract and you can sue on it.

[veester]

I certainly did not get to cancellation letters - nothing at all.

No No - i've lived at my address for over a year.

I was advised that i could not reactivate my policy, i.e. make a back payment of the DD missed and continue my payments from the next month.

[beccus]

hi veester

My name is Becca Sibley and I work within the customer experience team at NU - I'd be happy to look at what has happened for you if you'd like to email me details, my address is rebecca.sibley@norwich-union.co.uk

Thanks
Becca

[daviet1976]

Hi rebecca. I'm ex NUI. Dundee/Perth for about a decade.

Is Darren Cornish still your boss?