tesco only issues policys to perm residents of the UK( have to live in the UK for at least 9 months of the year)., if your son is out of the UK for 9 months of the year this should have been disclosed as this would also have a baring on wether cover would have continued.

Back to the problem in hand. If the policy had already been cancelled due to payments they would have written to your sons address or the advised correspondance address at least 3 times. Twice usually to advise there are payments issues and the 3rd and final time to confirm a cancellation date unless payment is made.

I assume that the policy had already been cancelled before you were stopped? if you called to make a payment,they only would have taken any outstanding monies owed,they would not confirm the status of the policy if it was already cancelled & that confirmation of this had been sent.

r.e the above. Tesco do not need POA, as long as the son has confirmed that his dad can call & make changes on his behalf, thats ok.

Hi Guys,

 

I have successfully complained to the FOS and was told Tesco haved failed in telling me on the day I was stooped while making a call to ask about changing my named driver cover on ,my sons policy. Only my cover was discussed. The ICO have reported they are in Breech of Prin 4 and several other's. for not changing my address details.

The FOS have advised Tesco to indemnify my policy of that day.

Tesco will be attending the hearing on Monday, but are appealing the FOS report.

Tesco response is that bthe payments department would not have the information required in front of them to be able to give the advice. But while tryiong to find the expiry date because I was going to cancel the policy and he was looking for finish date to advice me if it was worth doing. He first of all read my end of cover date the corrected it. But he all along the conversation was saying my cover.

 

Any advice please. I got 6 points £500 fine

can you give the circumstances of the events? the above is confusing.

I was stopped while making a call to change the named drivers on my sons policy.?? are you a named driver on this policy and were you stopped driving your sons car?

only my cover was discussed??

they are in breach for no changing my address?? if its your sons policy it is down to your son to notify Tescos.

payments departments would only be involved in the payments side of policys and would not be able to discuss or action changes of address or levels of cover etc.

if you were stopped at the roadside,the Police normally call through to check that the driver is covered or vehicle is insured. Iam only assuming that the policy has been cancelled for non payment as you have mentioned the payments departments.

when they told you your DD had been paid it is possible it had not been rejected by your bank as it can take upto 10 days.

as for them asking for the full premium I would ask for a cancellation breakdown as the only time they would ask for the full premium is when there has been a claim submitted.

if there is money o.s they can withhold the ncdcc

this looks like a breakdown between your insurer & enterprise. If you were told ERAC were going to arrange a car, why would you expect to give your details to a GCH. ERAC should have called you to confirm that they would arrange a alternative hirer (possibly due to location etc?),before letting them call and ask for payment.

I would get back onto your insurers 1st to arrange the CC,you are entitled to this.

ask them for the mechanics report confirming what the modification has entailed and the resulting increase in BHP. Then mention the FOS as you have not been given a clear and concise reason on how they have arrived at that decision, as they are no claiming it is now only an opinion?? I thought they had an expert mechanic look at it;) if it also there opinion that the exhaust had been replaced, have they said anything about new "modified tyres,brake pads,oil,brake fluid,anti freeze etc".

just checked their website, cant see anything defining the word modifications,but there is this,ask them what part of exhaust made it one of these.

• you make changes to your car which improves its value, performance or attractiveness to thieves

if you declared you were only a named driver on another policy and they quoted you on that basis,they should stand by the original quote for the 1st year.

they should have confirmed to you the "modification" and your reasons for them not being informed,also they should have told you how much extra premium they wanted, they are not allowed to take any money without your authorisation.

Did they say if the exhaust increased the power of the vehicle? as this is usually what would only have a baring on increasing the premium, as chrome,stainless steel exhaust are usually fitted due to longer life etc.

how much extra did they charge you?

if that was the case, we would have only have to give our personal details & house details and the insurance company can make up the terms & conditions,excesses,premiums and you would only know these when your read through the policy booklet,schedule etc and then if you dont like then cancel..

In regards to the locks,i thought they were not allowed to only quote BS3621 as an acceptable standard?? I can remember that we had u/w updates which showed other makes of locks of european manufactur without the BS mark as an equiv or sometimes even better that were acceptable.

mossy is correct even if the OP insurers are satisfied the TP is at fault, I bet the TP insurers are saying the same thing to their insured. Until the TP insurer adimts their insured is at fault it will be an open claim. Also claims will be reluctant to confirm that NCD can be allowed (as this is not their field etc) they would wait until all costs recovered and claim closed.

This could get very complicated, it's NOT a question of liability but one of indemnity.

 

From what you have said it is clear cut that you were not to blame at all for this incident, but your NCB will be affected until such time as your insurers make a full recovery of their outlay.

 

Unless and until the other person completes a claims form and asks their insurers to deal with it (ie requests indemnity) then they will NOT get involved, no matter what evidence you have. If the other party doesn't ask their insurers to deal with it then it comes down to recovering your and your insurers outlay from the person directly, this is done via a County Court action and regardless of liability being established there, it is the actual payback of the outlay that restores NCB.

 

Mossy

what if the drink driving idiot had died at the scene? who would then cover the losses.

this was a loophole that people were using when friends cars were impounded for no insurance. The person with DOC would turn up and be able to get the car released as the cover would provide the minimum 3rd party cover. This loophole has since been closed as only the vehicle registration on the cert is the only vehicle that can be released if impounded.

I second what Kiptower says. My brother was driving his family car when he was pulled over by the police. The insurance had run out on the car. The car was impounded by the police. My brother has comprehensive insurance for his work van, so was covered for driving. The car's insurance company was at fault and paid all the expenses. All cars on the road need to be individually covered - not just drivers.

doc usually excludes driving any other vehicle owned,hired or leased to you...looks like you got away with it.

sorry but your wrong, the other car does not have to have valid insurance as the 3rd party cover provides the minimum cover required by law.

Check your policy,although you may have comp cover this is not automatically provide doc cover as age and occupation will sometimes excluded this cover, usually under 25`s and professional drivers and motor trade etc. And the 3rd party cover is only valid while the vehicle is being driven.

sorry your wrong, for them to assume you have certain locks and apply an endorsement which is not part of their normal T & C is a no no.

ask for the call to be checked if you were not asked security questions they should not have applied endorsements.

if he didnt tell them it also depends on the conviction as minor ones are still acceptable, drunk etc

Direct Line have very specific rules regarding let properties and would not cover a perm let property etc.

and terms do apply excluding acts of vandalism or malicious damage by a tennant etc.

start the complaint ball rolling. For them to apply that endorsement they must ask about the security at your property.

Check your policy claims wording i.e theft etc "what is covered & what is not" see if there is any mention that a claim will not be paid if the said locks are not in place.

Hi all,

 

Some advice required please?

 

I too had an insurance with direct Line. All very good and above board.

Then it needed to be renewed. I phoned direct Line and cancelled it because I found it elsewhere cheaper. All fine and dinky (I would nearly go as far as to recommend them) Then a phonecall from our good friends AIC (Allied International Credit) who informed me that I needed to pay immediately £ 54.63. The usual was followed by rude calls from the AIC man. Question is, Do I have to pay this or can I dispute this 'cancellation fee'? Yes Direct Line sent me a letter telling me the insurance would run out. No I never told them it was to be renewed, and a couple of days after the insurance ran out, I cancelled it. No replacement covernote or policy was ever received. Please advise

 

Thanks in advance

 

DoubleU

did you cancel mid term or advise them not to renew the policy?

If you cancelled mid term there would be a time on risk charge and flate rate "admin fee" usually £26.75?.

if you cancelled mid term you would have also been advised of the outstanding etc and received confirmation letters.

My car insurance was due for renewal 22/3/09. Direct line (whom I have been with for many years) sent a reminder in Feb. My visa card had expired so they were unable to take payment. but sent me a new certificate which arrived on 24/3/09. Due to a wage cut at work I checked other insurers and found substantially cheaper quote which I accepted. I contacted direct line and told them I did not wish to renew, but they now say I must pay a cancellation fee of £26.25 for the insurance from 22nd to 26th March when I returned my certificate. They are now telling me they will pass me onto their debt collectors and may add additional charges. This doesn't seem fair - besides wouldn't I be covered by the 7 day cooling off period? Thanks for any advice. Andy

when did you call to cancel? before or after the renewal date? if after they do charge a "Admin Fee".

You can call and complain etc they may then write off the o/s.

the insurance company may also look for full payment of the outstanding premium if there is any.

you could see if they will suspend the policy, you carry on paying the installments etc,then at renewal you can either take a refund on the payments made or take the NCD

what side of your car was damaged ? & what side of his?

when you say the guilty party wont pay up do you mean the individual or the TP insurer??

How will the the TP know the correct time if they were not present?

yes his policy has expired....."courtesy car for the duration of the reapairs"

If this is the policy wording and he has fully paid, it should continue until the repairs are completed,regardless if the policy has since expired & it should be then down to the insurance company to provide cover. Should they also stop repairs??

Best to have an accident while you have got a few months left on your policy then;)