But doesn't that leave the possibility that a customer could, in certain circumstances, be prosecuted for no insurance and is certainly something that RBS should resolve?

DA - are you sure the policies are cancelled Ab Initio if you request cancellation within the 14 days cooling off period as then a policyholder would have been driving uninsured for that period of time.

Dazzlin - I am puzzled by what you are wishing to achieve here. Are you trying to claim that your insurer should not have to pay because the other party was not insured at the time of the incident?

Have you tried using their website to get 2 quotes - one including the incident and another including the incident to see if their is any difference in price? In all my years as a broker I have only ever encountered 1 insurer whereby an incident involving a full recovery could affect your premium but this was ONLY after you had 4 such incidents. DA has it right where they say -

It is rather high, i am guessing this is an NU Direct policy as NU only charge £10.50 for cancellation when it is dealt with via a broker.

In essence you could find that no cover is provided for the further damage (following the original hole) as you have done nothing to correct the pre-existing damage.

I have to correct what buzby said - it has nothing to do with the insurer wishing to work to their own advantage. How did the hole in the ceiling in January contribute towards your house being flooded 6 months later? You are insured against specific insured events so as 3 individual events have occurred you would be liable to pay 3 excesses. This is completely correct.

At no point did i suggest it was fair or bring into question the legality of the document i was merely pointing out a fact. I would like to see how they can comply with the condition of 'Utmost Good Faith' and also their obligations under contract law ie they made an offer and you accepted that offer in good faith which they have now reneged upon.

Not saying what they have done is right but usually all insurance policies state that the insurer can cancel your policy at any time by giving seven days notice irrespective of reason. If you read the cancellation conditions in your policy booklet this will be(should be) quite clear.

I certainly dont think so - usually just a fear of the unknown and not knowing exactly what to expect. You will probably walk out of there, if it actually goes to court(remember many settle beforehand) wondering what all the fuss was about.

Sorry if my original post was a little short. Unfortunately for some of us those that provide assistance do so voluntarily and cannot be here 24/7. I understand that going to court etc can be a stressful/worrying experience but there are many on here who are in the same position and its not fair to them/their case to needlessly 'Bump' over them. What I am trying to say is that it would have been far better if you had actually posted that you really needed some urgent help/advice or reassurance rather than just a meaningless 'Bump'. That being said I hope that the experience today isnt too stressful for you and you are successful in your claim. Good Luck.

Its not necessary to keep bumping this post up just because it went from the top post down to post no 3.

Just point out that you requested they Lapse/cancel the policy at last renewal as you had arranged alternative cover and enclose a photocopy of your new insurers certificate to confirm this. Request a full refund as they renewed without your authorisation (as you requested to lapse the policy) and that you have been dual insured for the past year.

From what i can gather you are paying monthly so in essence you are only paying on a pro rata basis (basically Pay As You Go) so you shouldnt expect any refund. However if you had paid the full premium annual/biannual payment up front then things would be different.

This might sound stupid but what exactly were you expecting back?