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mhiggins2009

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  1. Good evening, Today I purchased a one day "temporary cover" motor insurance from Haven, the purpose of this was to use my brothers car in order to move some stuff around. I took the insurance out through a broker called temp cover. The site was very misleading and anyway after 20 minutes I managed to process the application for the policy. I paid 39 pounds for the one day cover. However, when my policy certificate was emailed to me when I opened it the policy was in fact for the 3rd to the 4th of June. So either through a mistake on my behalf or a glitch in the system (I cant be sure) I had a useless policy as I am in work on that date anyway. So I looked to remedy this and on the website it had a number on the top. It was an 0845 number and I have no idea whether this will have cost me money to ring. Anyway, after about ten minutes working my way through the minefield I managed to get through to somebody. I explained the problem and the agent automatically answered me back with "unfortunately Mr Higgins we cannot give you a refund or neither can we change the date of the policy". Basically, tough!!! I asked her if i could speak to her manager to which she replied I am the manager. I explained that I am pretty sure I have some statutory rights to a refund and feel it is completey unfair that they cannot offer me at least a partial refund. I have decided not to take this lying die, why should we as the consumers be bullied by this big companies. 40 pound is not a lot of money but the principle of it is worthless. So this is were anybody reading this comes in. What I would like is some free honest advice. Also, I have a few questions aimed at people who know the Sales of goods and services act as well as long distance selling regulations. Under the latter it states that I am entitled to a 7 day cooling off period. Now I know it would be pointless as in 48 hours the service would have been null anyway. But should I not be entitled to a refund? Any free advice would be much appreciated. Kind Regards Mr Higgins
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