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One month ago I had a car accident, just a few days after taking out new insurance.
Condition of insurance is that there is a thatcham cat 1 alarm system fitted.
There is such an alarm firtted, copy of certificate sent off.
Letter arrives today, they have cancelled the insurance because there is not an alarm fitted.
I ring up to find out why.
There is nothing on the certificate saying that its category one, and the alarm model isnt listed with thatcham.
I have rung cobra (maker of said alarm) it is listed, there is even a thatcham number for it.
Thatcham says that it isnt.
It turns out that the alarm comes under 2 names, and on the book it gives it under both.
I gave my insurance company the number for cobra.
This has taken about 5 hours on the phone.
OK, I get home, and take a closer look at my documents (had no access to them at work) and indeed the alarm is a thatcham one.
So, I ring up the insurance.
They have now agreed this is a thatcham alarm.
As the policy has now been cancelled, it cannot be reinstated, I have to take out a new policy.
The quote was now £150 more than it was before, because now I am showing an accident.
I told them that there was no way I was paying that as it was a cock up from them. They agreed to stick to the old quote, so now I am insured again.
Now, this is the big problem.
The policy has a claim, therefore no refund is due to the old policy. This leaves me £400 out of pocket!
GGGGGGGGGGGGGGGGGGGGGRRRR RRRRRRRRRRRRRRRRRRRR
So, I cant get any further with the phone line, they wont pass me on to anybody else.
They cock up, I am £400 out of pocket.
GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
WTF? what difference does it make to the claim whether or not you had an alarm fitted and what type?
Why are you out of pocket by £400?
I QUESTION THEREFORE I AM!!
Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!
The car has to have cat 1 as a condition of the insurance.
I provided that evedence.
They cocked up big time, couldnt read the certificate properly, thought it wasnt valid.
They cancel policy.
I dont get refund of rest of money because of claim a few weeks ago.
So, I have had one month of cover for £400, as I have to take out a new policy!
GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
but surely, as at the moment (persuming its a non fault accident) it is showng up as your fault as it hasnt been settled and once it is settled they refund you? Or am I wrong here?
All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.
However, if you have found any advice you have been given helpful.
GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
i don't think this is right at all - I reside in Peterborough and Budget's Head Office is about a 5 minute drive away. To be honest Budget does not have a good reputation when it comes to insurance and indeed as an employer. They are alway's loosing staff and have regular recruitment drives. I have spoken to several friends who used to work for the company and they have quoted how bad they really are! If I were you I would phone them again and tell them you want to make a complaint and that you will be escalating the matter to the Ombudsman. Your complaint should be acknowledged and dealt with within 5 days. If they can't deal with it within 5 days they ultimately have 8 weeks to deal with it. Once you receive a final response on behalf of the Chief Executive you can take it further to the fos if you are still unhappy.
Robertxc v. Abbey- £3300 Settled in full Robertxc v. Clydesdale- £750 Settled in full Nationwide v. Robertxc- £2000 overdraft wiped out, Default removed by order of the sheriff Robertxc v. Style Card- Default removed by order of the sheriff Robertxc v. Abbey (1)- Data Protection Act action. £750 compensation Robertxc v. Abbey (2)- Data Protection Act action. £2000 compensation, default removed
The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.
The woman on the phone really hacked me off... "sorry, there is nothing I can do, I cant refund you" and eventually refused to speak to me any further.....
GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
Insurance companies have only recently come under the umbrella of the FSA, so they're all a bit nervous about it. I reckon if you make a big enough fuss to the various regulators you'll be able to get it sorted.
I have to say, that if this were me, I would have them straight up to the small claims court for £400 - very safe in the knowledge that they'll settle straight away. One tactic I've used very successfully on many occassions is to send tham and lba with completed copy of the court documents included. Tell them that you'll be submitting it on a specific date if they don't cough up. Big companies often rely on the fact that many people threaten to sue them, but then don't. The fact that you'll be including the completed claim forms means that they'll know that all you have to do is send them to the court. Just a suggestion.
Robertxc v. Abbey- £3300 Settled in full Robertxc v. Clydesdale- £750 Settled in full Nationwide v. Robertxc- £2000 overdraft wiped out, Default removed by order of the sheriff Robertxc v. Style Card- Default removed by order of the sheriff Robertxc v. Abbey (1)- Data Protection Act action. £750 compensation Robertxc v. Abbey (2)- Data Protection Act action. £2000 compensation, default removed
The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.
I have only just come across the insurance side of this forum. I've been looking elsewhere. I have had real problems with Budget. Found them on an internet trawl for cheap insurance. Never again. Wish I'd found this site sooner.
GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
Well after that guess what I got in the mail this morning? A letter from Budget. Having cancelled my insurance with them verbally and in writing when my car 'died' two months ago and having cancelled the direct debit with the bank advising Budget of what I'd done and getting confirmation from the bank that this (cancellation) had been done, they're still chasing direct debits and me. I'm going to write to them and send an invoice for my costs to date in dealing with them. Is there a thread on this forum that deals with dodgy insurance companies ? Apart from Budget....
I have let this go for a while as I have had no time to deal with it, they promised to answer my complaint in 8 weeks, this passed long ago into the dim past. As if to remind me, I had a phone call from Budget recently offering me Breakdown Cover, which I did not accept. I need international cover; they could not even give me a price for this cover, so I emphatically refused it, as it did not cover my needs, and I wouldn't give them another penny in any case them being so utterly crap. Today I received a letter from them complaining that they could not take a payment, when I rang up it was concerning RAC cover that I had not asked for. To top it all they have said they are going to cancel my policy because I have not paid for cover I did not want or ask for!!!
GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
i really feel for you crusher - they are known for their poor service yet as a company they're getting bigger and bigger here in PBoro. Follow through with the fos and keep us updated
GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
Personally, if this is any help, I dont think it will get as far as the FSA. The FSA, as soon as they get your papers will forward them on to the insurer, advising they have so many days to issue you with a final notification letter (This is a letter stating this is our final stance on the issue).
They are so plainly in the wrong, that SURELY someone with an understanding of insurance, or even an ounce of common sense, will see that they cannot hide behind the argument "The computer wont let me do that" and pay up....
Good Luck!
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!!!!
"BUDGET" People insurance cock up
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Re: "Smart" People insurance cock up
Originally Posted by rdm2006
