2008 - 2009 insurer # 3 Co-Op CIS insurance - I see other people have had this from the Co-Op aswell.

2007 - 2008 insurer # 2

2006 - 2007 insurer # 1

A year ago I took out car insurance with insurer # 3, they wanted the

no claims letter, and I told them by phone I was aware they wanted it

and it will be with them soon. The problem was xmas post and possibly

a postal strike (can't remember). The other problem was insurer # 2

sent me the wrong figure on the first letter they sent me.

I phoned insure # 2, and asked for a correct new letter to be sent.

Whilst I was on the phone with them they said they had lost my proof

of no claims that I had given them a year ago, they asked who I was

insured with prior to tthem and they then picked up the phone (whilst

I was on hold) they phoned insurer # 1 and came back to me with that

information confirmed and they were now happy to send me an ammended

no claims letter. The guy on the phone also said "why doesn't your

current insurer just phone us and we'll tell them?"

I phoned back insurer # 3 and said "why don't you phone insurer # 2

and confirm it by phone?" They replied

"We don't do that"

Anyway the letter arrived and I sent it to them (1st week of January),

I told insurer # 3 by phone "I have just sent it to you". I heard

nothing further from them and assumed everything was ok.

Come renewal time they sent no renewal, so when I phoned them to ask

why and for a new quote, they said they had cancelled my policy in 1st

week March 09, and had sent a letter in 1st week Feb 09. They say

they deducted about £60 from the remainder of the premium and refunded

me about £70 at the time.

Now when I go to "gocompare" I have to say "yes" - "I have had

insurance refused, cancelled, or recinded" which means 99% of

insurers on that site will not insure me including Insurer # 3 but

insurer #3 on the phone was wanting to insure me when I phoned them

last week (I refused).

When I asked insurer # 3 for a full refund of the pro rata 9 months

premium assuming I now forward to them again another copy of no claims

from insurer # 2, they refused. They also said I have nothing to

worry about re: having insurance "cancelled" by them because it was

only "cancelled" and not "refused or recinded". What they don't seem

to understand is that I now cannot answer "no" to that question on

gocompare and other similar websites.

I told them that:

*had they just phoned insurer # 2 at the time (like insurer # 2 had

phoned # 1) none of this would have happened

*I did not recieve any letters from them after December

*I would expect to not only have been sent a letter of 1 months notice

but ALSO a letter saying "your policy is now cancelled here is your

refund less deductions" And that I recieved neither letter.

*They have on record my phonecall 1st week Jan saying "I have just

sent it to you"

*I want this "cancellation" revoked somehow so I can answer "no" to

that question

*I want a letter of no claims from them after I have sent them the new

letter from insurer # 2

What I need to know is what can I do in regards to getting the

deducted money returned to me.

And also in having this "cancellation" black mark against my name

removed?

They also made no effort to get the insurance certificate back from me.

Your insurance was not cancelled.

Your insurance was stopped and a refund for time not on cover was returned to you.

If they had cancelled the insurance(in the definition they are using the word) there had to be a reason for it, such as you answering the questions frauduently.

Answer no to the questions in the comparison sites, but for your own piece of mind call the quote you want to accept and explain you had insurance stopped as they did not recieve your NCB in time. You should be phoning to accept a quote anyway as you often can get the price lower than the comparison site anyway.

For the record, I have not passed on proof of NCB for any of my cars or my bike for the last 8 years. Any request for it results in the insurer being told to call the previous insurer or look on the national database which is paid for by a chunk of my insurance premium