I woke up this morning to an email from Post Office Van insurance informing me that my policy has been cancelled.
I was laid off in the first week after christmas and had to reign in my direct debits to avoid bank charges and missed two payments.
I started back work last week and had been planning on paying the money owed in full yesterday but did not get a chance during the day and so thought i'd call them today.
However what I am really annoyed about is that Post Office simply cancelled the insurance.
No phone call just a straight robotic cancellation.
I will freely admit to everyone on here, as I did to Post Office that I have had a change of address and I have not therefore received any correspondence.
However I still believe that for something as important (legally) as insurance, insurers should not cancel your insurance before speaking with you.
This is 21st century communication.
Letters are antiquated and too slow for matters as these.
Even if I had been living back with my parents the letter would likely have not turned up today and I would now be driving around with no insurance with potential life crushing consequences such as car crushed etc etc.
I check my emails everyday.
A search in my gmail box shows no email from post office for at least as far back as november.
When I called this morning and explained my personal circumstances and offered to pay the arrears I was told it was not possible.
It seems curious to me that Post Office emailed me to cancel the policy, (therefore giving the cancellation notice special communicatitive consideration) but they did not email me to say that this was going to happen if this that and the other.
That leads me to beleive that they know that sending letters is not the most effective means of communicating and thus the need to email in addition.
As mentioned before I have not received an email for any reason in at least the past four months.
The great thing for the industry is that this practice benefits the industry as a whole.
For every person this happens to looses their NCB and has to pay a higher premium.
Very convenient that flawed communication effort.
Seems as it is a legal requirement for one to hold insurance to park or drive a car on a public road then it should be a legal requirement that insurance providers provide a reasonable, fair and accurate service.
I have no idea what to do about this but I don't want to become a silent victim.
I believe the above must be happening to many other people to the industries benefit.
Does anyone have any suggestions about how or what I can attempt to get some justice?
Thanks for any help on this,