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Hi
need some general advice. son in law has got himself in a right pickle with his car insurance.
Firstly last summer took out car insurance after he passed test. In November 2006 changed his car and took another policy out previous insurer would not cover new car.
This year he lost his job and missed DD monthly payments. Made one by card cancelled DD then tried to re-instate it. Consequently Tescos has cancelled his insurance although he offered to make up all premiums until end of term (November)
He has no no claim bonus to show because of the changes is there any thing he can do about this?
I know Tesco is within their rights to cancel but what if no letter was received saying insurance was going to be cancelled? any advice?
Thanks
When a payment is rejected, we automatically write to you and let you know this, we also advise you when we are going to re-present the payment (usually 7 days from the date on the letter). If the payment rejects a second time of if the direct debit is cancelled, another letter is sent, a bit stronger worded, asking you to call in so we can discuss the situation. Normally our payments team will clear the arrears on a card then continue the direct debit. occasionally they will ask for the rest of the years premium in full but this is only if the customer has really bad payment history.
If no contact is made, a final letter is sent out giving notice of cancellation within 7 days if no contact is made.
Unfortunately this looks as though this is what has happened, in which case, there's nothing you can do as you already know. I'm a bit surprised that your son in law offered to pay the premium in full and this wasn't acted upon as its perfectly normal, even for people that haven't missed payments, to pay off the account as it avoids paying the APR charges.
Might be worth having a word with our payments dept and see whats going on.
hope this helps
DA
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car insurance cancelled by Tesco
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