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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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Tesco Car Insurance Cancellation


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About 1 month ago I crashed my car, claimed on the insurance and all was right with the world. Then a couple of weeks ago personal circumstances changed and my wife and I were no longer able to afford the car hire purchase payments. The car went back and as we have no car we tried to cancel the insurance cover. Tesco say that we still have to make the monthly payments until the renewal date (next January) because we've had a claim in this insurance period. I've checked the Ts & Cs and sure enough Condition 5(b) says:

 

This Policy may be Cancelled or suspended by You at any time by returning the current Certificate of Motor Insurance to Us with seven days notice in writing.

 

Any premium adjustment will be calculated from the date we receive the Certificate from You.

 

Provided no claim or loss has arisen in the current Period of Cover We will:

 

(i) In the event of cancellation, return the premium after applying Our Cancellation Rates shown in the Schedule for the period the Policy has been in force.

So, it's clearly stated that they'd expect the payments to be kept up (as if we'd paid in one lump sum we'd not be entitled to a refund), but is this a fair Condition on a policy? It certainly seems unfair - we're having to pay for insurance on a car we no longer own!

 

Thanks for any advice you can provide,

 

Matt.

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I am afraid there isn't anything you can do with this one...

 

By paying monthly you are in effect taking a credit agreement with them,as they request payment up front. As you have claimed, and have been paid, then they are entitled to ask for the full years payment.

 

sorry

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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Thanks Craig. Just for the sake of argument, let's say I actually paid them in one lump sum in January 2005. I want to cancel my policy and they say as I've made a claim in that year I'm not entitled to a refund of the 6 months of insurance cover I don't need. Yes, it's clearly stated in the Terms & Conditions that they won't give a refund, but it's still unfair, surely?

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Yes!

 

The Insurance company will reply they have agreed to insure your item from 1/1 - 31/12. The fact that something has happenned to the item mid term is unfortunate, however, they have made a contract with you to cover the item for the fixed term.

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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So why do they differentiate between a car that's been involved in an accident and one that hasn't? If I hadn't had an accident they'd give me my money back as I no longer have the car. Why does having an accident result in me not receiving a refund?

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They have made a payment on the policy, so they feel they are entitled to the years premium.

 

Insurance is basically a gamble. The underwriters dont want you to make a claim, as the claim will be higher than the premium. As you have claimed, they have lost the gamble. They want their losses to be as low as possible - hence no refund...

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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Guest Lueeze

If you have claimed on the insurance, this has cost the company money they had to pay out to get it fixed.

 

They have to recoup this cost so therefore put this clause in, so that they can guarantee you pay the full year up.

 

Hope this helps!

 

Lou x

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This topic was closed on 09 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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Thanks

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