The realisation of injustice. Followed by anger, determination and focus. Then the simple reality that as with most things with financial services, there is nothing you can do. And the phase of fury is over. Acceptation of dilemma. And there in lies the problem. Most people have not a fat waad to throw at a good lawyer and ask for loss adjustment. And so millions of people every year get screwed over and have to simply accept their position in life. No justice = no consequence = continued lack of ability to defend one self. And so it continues.................................................

Which does not fit with my preferred method of communication. Letters require rain forest destruction. Your house may burn down due to the additional fire risk they pose. Emails are quick, efficient, easier to organise and store and are available 24/7 where ever you are in the world. It doesn't matter if the postie is sick, the mail is lost or if the weather stops delivery. Email is also FREE. I think you will find that person under a certain age prefer email, social media and telephone. A simple phone call takes a matter of minutes.

Having just come off the telephone with PO this was also very much their line of response too. And I agree. I should have updated my details. However that is not what I am disputing. What I am complaining about is the method of communication which is not fit for purpose in 2015. My primary means of communication today is email, phone and social media. Letters are way down the pecking order. I don't believe sending out an automated letter from a robot is an acceptable or responsible method for something this important. I think it would be a reasonable step for insurers to take. A phone call which lasts a matter of minutes.

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. *******s. 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, Daniel