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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback.
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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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Car Insurance cancelled by insurer with no notification, stopped by police


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Hi

I took out car insurance mid 2007 and paid my premium up front, received all policy documents etc and have been driving my car ever since thinking i was covered.

 

The other day i was stopped by the police who accused me of having no insurance! To cut a long story short, the insurance company had cancelled my policy two months into the year for alleged non-receipt of no claims discount proof (i did send it, but can't prove this)

 

They claim to have sent a recorded delivery letter informing me of their intention to cancel, but i never received it. They have admitted this verbally, telling me it was returned to them a month later as i never collected it from the sorting office. Unfortunately i'm not psychic and never had anything through the door telling me a letter had had attempted delivery. The insurance company tell me it's not their problem and i should take it up with the post office! They have two phone numbers for me and an email address too but never let me know.

 

My car was impounded because of this (now retrieved at great expense and worry after getting new insurance cover out) and i was cautioned by the police for lack of insurance and am likely to get a court summons where i could potentially get banned from driving!

 

The company did pay some money back onto my credit card when they cancelled, but it wasn't the whole premium (or even a proportionate amount) and i didn't notice this at the time sadly.

 

Does anyone have any advice on how i proceed with the legalities of this and attempting to get compensation from the insurer for doing this?

 

thanks in advance

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Hi Zugz,

 

The insurer has no legal requirement to call you, although this would've been nice through common courtesy! They sent a letter recorded delivery, which you failed to collect- which isn't there fault, so they have sent correspondence to advise you of there actions, so it is unlikely that they will accept any responsibility. with regards to the premium, if they have canceleld the policy 'from inception', this would usually mean a full returned premium as far as i'm aware.

 

Best thing you can do is:

 

Write to the insurer's customer relations dept, explaining your issues.

 

If unsatisfied, register the complaint with fos (financial ombudsman service)- will take a while, but they will decide who is responsible.

 

hope it gets sorted for you,

AB123uk

 

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Hi Zugz,

i know its not much help but as long as you are over 21 have held a full licence for 2 years or more and have no other points on your licence you will get up to 6 points on your licence and a fine. This will however affect your insurance premiums. I doubt if you will get a ban if the above applies.

Out of interest was it a Traffic cop that stopped you or a normal bobby in a panda.

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thanks for replies so far.

I must admit if this is the case i find it outrageous that a company can cancel such an important thing as car insurance without ensuring that i knew, especially when they had no need to do so (i had sent my no claims proof to them). Imagine if i had had a crash?!

 

I have three points for a relatively minor speeding offence (36 in a thirty limit) 3 years ago. This is the only endorsement on my license in 20 years of motoring......

 

If i get any points for this at all i thinks its a disgrace. I've spent £200 + already retrieving my car and paying extra insurance premiums top get the car out. Now my premiums for future years will almost certainly go up dramatically and i've already discovered that many insurance companies are unwilling to insure people who have had their insurance cancelled.

 

Surely i have some recourse to the insurance company for doing this?

In answer to your question RK08, I think it was a regular panda car, but can't be sure. He had a computer on the dashboard that flashed up my details and a large "no insurance" indicator. He approached me at a petrol station in the middle of a city, much to my suprise.

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I think you need to look at your policy T & C's and unless anyone else can advise you to the contrary i think the insurance only need to inform you by post that the policy will be cancelled in x amount of days. I will try and verify this tomorrow.

As for the offence if it does go to court you can try and apply the following.

Special Reasons:

A legal term for a set of circumstances advanced to avoid endorsement and/or disqualification:

It must be a mitigating or extenuating circumstance;

It must not relate to a legal defence to the charge;

It must be directly connected with the offence and not solely to the offender;

It should be a factor the court should properly take into account when deciding the sentence

An example of this could be where the insurance company have cancelled an insurance policy but the notification never reached the driver.

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Unfortunately a recorded/registered letter is deemed as delivered on the day it is posted even if the recipient can prove that they never received it.

 

This was in a case of a landlord sending a quite notice to a tenent but I would suspect that it will be the case in all correspondence.

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I think you need to look at your policy T & C's and unless anyone else can advise you to the contrary i think the insurance only need to inform you by post that the policy will be cancelled in x amount of days. I will try and verify this tomorrow.

 

Yes that is correct. In order to cancel a policy, an insurer has to send a letter to the policyholder's last known address (usually by recorded delivery or registered post) giving 14 days' notice of cancellation. This period of notice is not standard; some insurers state 10 days, others 30 days.

Personally I think it would be best if the insurer had to phone the policyholder as well as send them a letter to notify them of the cancellation, but unfortunately the current law doesn't require this.

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Just to add my 2p's worth, I have to agree with the majority here, the insurer has an obligation to notify you in writing of their intent to cancel the policy but they don't have to email/telephone/fax or send smoke signals (OK, that last one was a bit flippant but you get the idea!)

Can i just also mention that for it to have got to this stage, they must have been waiting quite a while for receipt of your POB and must have written to you prior to this to let you know.

In regards to the refund, at a guess i'd say they probably charged you for "time on risk" rather than give you a full refund.

Easy way to work it out is to check when the inception and cancellation date of the policy is and work out how many days were "used". Then take your annual premium, divide it by 365 and then multiply by the amount of days used. this is the charge for the time you've been on cover, if you deduct this from your annual premium then that figure should be what went back into your account.

If you want a purely personal opinion, i think you're probably wasting your time taking this any further, especially if the company sent the letter recorded delivery, which they will no doubt have proof of.

I'd personally take it as a learning experience and move on, but as i said, that's just me.

 

 

DA

If you find the advice I give is useful, then please feel free to click the scales :)

 

"It is better to keep your mouth closed and let people think you are a fool than to open it and remove all doubt" :)

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It depends on the circumstances.

I can only speak on behalf of our company but.....

Usually we'll send out a letter saying that if we don't receive pob by XXX date, we'll reduce the discount to zero and an additional premium of £XXX will be due.

In some cases this isn't possible, like if the car was a high performance vehicle for example, the criteria for insurance would usually include an age restriction (e.g over 25s) and also a minimum NCD amount (usually 2 years) so in that case we cant reduce the NCD to zero cos we wouldn't insure the car with zero NCD so our only option would be cancellation. (if that makes sense?!)

Also, he paid in full (presumably on a card) so we wouldn't be able to take the funds without him calling in, whereas if he paid by DDinst, we'd just automatically spread the extra over the remaining instalments or take it as a lump sum if they paid by DDlump.

Either way he would have had several letters (we send out 4 at 10 day intervals before we cancel) before cover was terminated.

 

DA

If you find the advice I give is useful, then please feel free to click the scales :)

 

"It is better to keep your mouth closed and let people think you are a fool than to open it and remove all doubt" :)

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Thanks for posting that Darkangel/Lemon Twist you both saved me a load of typing in the box, after doing some research with a few contacts my coments were going to be along the same lines.

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Car insurance cancelled by insurer with no notification after 4years:confused:

 

I woke up the other day, being about 300miles from home and received a message from my girlfriend to say there is a letter from my insurer stating that my car insurance has been cancelled.

I then picked up phone immediately and called my insurer but surprisengly no one could explain to me why my policy was cancelled (they just said sorry). Instead I was offered a new quote which was more than what I have been paying for the last 4 years so I turned it down and demanded an explanation why was my policy cancelled.

I had to pick up a bill on my phone of about 1,5 hrs being passed from one person to another ,mind you I was 250 miles from here so I needed my car to be insured so as I get home , the guy who offering me a quote was even threating to report me to the police for driving a car without an insurance so that I take the quote he was giving me. I then decided to leave my car and jump into train home as I was not ready to fork out for another insurance company.

I have been asked to write a letter to their head office so as they investigate why my policy was cancelled.

Does anyone have any advice on how I proceed with legalities of this and attempting to get compensantion from the insurer for doing this? Please help. JUST TO POINT OUT THE NAME OF THE COMPANY .

IS HASTINGS !!!!!!!!!!!!i wouid be very happy if anyone could help:confused:

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Hallo everybody,

!New to this section of the forum.

My son is in an awful situation. On 14th August he was involved in a nasty accident. He was hospitalised and the police were supposed to take a statement from him but never turned up. He contacted his insurance company who told him his policy was cancelled the previous April as they were unable to collect his direct debit. However he never recieved any correspondence from them, nor indeed his bank who normally write (and charge!) He was not asked to return his certificate of insurance either.

I have complained to the FOS , but meantime the insurance company of the other driver are demanding £14,000 from him. The other driver admittedw as on the wrong side of the road at the time, but what can my son do without help from his insurance company. Hope I'm not hi-jacking your thread but am quite desperate for advice.

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Hallo everybody,

!New to this section of the forum.

My son is in an awful situation. On 14th August he was involved in a nasty accident. He was hospitalised and the police were supposed to take a statement from him but never turned up. He contacted his insurance company who told him his policy was cancelled the previous April as they were unable to collect his direct debit. However he never recieved any correspondence from them, nor indeed his bank who normally write (and charge!) He was not asked to return his certificate of insurance either.

I have complained to the FOS , but meantime the insurance company of the other driver are demanding £14,000 from him. The other driver admittedw as on the wrong side of the road at the time, but what can my son do without help from his insurance company. Hope I'm not hi-jacking your thread but am quite desperate for advice.

 

It might be better to start your own thread, then advice will be given.As i am sure you understand.:)

If what we say helps you, then please tip the scales.:cool:

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Has he checked with his bank re the direct debit and did the insurance company say when they informed him and by what means. Was it an injury collision and have the Police contacted re any prosecution for no insurance.

I am familiar with some insurance law and procedures but not to much. I am more on the side of traffic law. Hopefully someone will assist you with the insurance side shortly.

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Thanks RD08

 

I will try and check with his bank. The trouble with my son,like many other people they don't check their bank statements each month and therefore don't notice if direct debits go through or not unless notified. So long as they can draw at the cashpoint that's all that matters!!!!

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sorry for the delay

As per earlier the insurance companies tend to send out a letter informing that a policy is going to be cancelled either due to not being able to collect the premium or lack of info etc. every insurance company is different but most of them send the letter by recorded delivery, if it is delivered and returned to them they are under no obligation to make any other contact.

Since it was an injury collision the Police should have completed a collision report. They would have been in a position to check your sons insurance at the time of the collision and i am surprised that if he was not insured that they didnt report him for driving without insurance. I am also suprised that they have not followed this up as there is a possible offence of driving without due care on the part of the other driver.

Was your son issued with a form HORT/1 request for production of driving licence insurance and MOT.

You could start asking questions of the Police but the only problem with this is that your son could end up in Court for driving without insurance.

Is he liable for the 14000, the answer to that is i dont know at this time. I think it might be best to start a new thread for this one and se if there are any insurance experts out there. In the mean time i will see what i can find out. I can quite confidently give you advice on the traffic law side but not an expert in the insurance field

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hi ,thanks for the reply ,i think someone has hyjacked my user name this one is not for me but i red about this lady and her son .hope you get time and read about mine mate , its about a copany called HASTINGS :confused: they just cancelled my policy without any notice! please help if you can, i had to leave my car 250miles from home and they took their monthly payment as well .

sorry for the delay

 

As per earlier the insurance companies tend to send out a letter informing that a policy is going to be cancelled either due to not being able to collect the premium or lack of info etc. every insurance company is different but most of them send the letter by recorded delivery, if it is delivered and returned to them they are under no obligation to make any other contact.

 

Since it was an injury collision the Police should have completed a collision report. They would have been in a position to check your sons insurance at the time of the collision and i am surprised that if he was not insured that they didnt report him for driving without insurance. I am also suprised that they have not followed this up as there is a possible offence of driving without due care on the part of the other driver.

 

Was your son issued with a form HORT/1 request for production of driving licence insurance and MOT.

 

You could start asking questions of the Police but the only problem with this is that your son could end up in Court for driving without insurance.

 

Is he liable for the 14000, the answer to that is i dont know at this time. I think it might be best to start a new thread for this one and se if there are any insurance experts out there. In the mean time i will see what i can find out. I can quite confidently give you advice on the traffic law side but not an expert in the insurance field

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Yep been reading a lot about this company who tend to cancel policies for the slightest thing. Just a word of warning, if your policy is cancelled and you left your car at the side of the road or indeed on any public road then it needs to be insured.

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The first thing is to get yourself insured, have you thought about cancelling the direct debit and taking out a policy with another company. Most insurers will give a big discount for new policies. There are some good search sites on the net.

The next thing is to establish why your policy has been cancelled and contacting the FSA. Have a read through Hastings T & C's see if anything applies. It could as simple as failing to notify motoring convictions, no claims bonus etc.

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