about time too http://www.fca.org.uk/news/fca-proposals-to-tackle-issues-in-gap-insurance-market

E-Sure cancelled my insuance without notification. Below is the email i sent to them. Good afternoon, Please could you re-instate my cancelled insurance and refund the newer insurance(taken out 25/11/2013), or revise the new insurance to equal the premium of the previous insurance. I didn’t receive the welcome pack hence the following email was sent to you on the 1st of October. ---- Hi, Please could i have my policy documents sent to email 2 rather than email 1 (email removed due to zero postings) Car Reg is:AM**UC* Cover set to start from 30/09/2013 I havent received a confirmation yet, could you confirm that my vehicle is now insured. Thank you Reply: Dear Mr H*s*a*n, Thank you for your recent enquiry. We would like to advise that due to security reasons we are unable to send policy documents via email; however we can confirm these were issued to your home address after you accepted your policy. All documents are issued by first class post but can take between 3-5 working days to arrive, although receipt within 2 or 3 days is more usual. Should you require any further assistance, please contact us on 0845 603 7874 or via email. We are available Monday to Friday 8am to 8pm, Saturday 9am to 5pm and Sunday 10am to 2pm. Yours sincerely --- No mention was given in your reply of an incorrect email on record; this in my view is a catastrophic failure in customer service which in-turn could result in terrible conations for the insured, luckily I’m commuter into central London, Victoria (TFL transcripts available); from my research the internet is littered with 200+cases to this effect e.g. (Search term: “E-SURE cancelled my insurance without notice”) GoCompare.com appears to be highly un-intuitive and its usage appears to result in a failure to update personal details which could subsequently lead to incorrect details being passed to your web-service, ESURE and GoCompare.com have a duty of care to their customers and a lack in process workflow must be substituted with an enhanced form of customer service in order to facilitate corrective measures. I received one letter from E-SURE dated, 15th October 2013 “Urgent we still need proof of your no claims discount” but didn’t receive any further correspondence from you, including emails; neither did I receive the welcome pack. I do not want to contact the financial ombudsman as this will automatically cost you £400; please could you re-instate my previous insurance and refund my newer insurance, or discount the current insurance. I believe the cancellation is unfair and a violation of my consumer rights. I didn’t receive the required seven day warning, or any other forms of warning apart from the first reminder. I believe in light of my previous email, contact should have been made; my wife also reminded me that I actually called you to discuss the status of my pending welcome pack and change of email; please may I also have all call transcripts. Could someone here advise me of my options. Thank you

Hello everyone, I need help regarding a mis-sold a policy by a broker(best advice acting on behalf of bright grey) who is bust, 4 years ego I was offered a mortgage (woolwich) and insurance: cover for sickness, payment cover for sicknes, life or critical illness cover. now I am in need of help and was assured that i have cover so it will be ok, but not apparently my cover uses working tasks definition which really means you have to be hit by a bus to get cover. that time when i was taking out that cover i have explaint to my adviser about my work etc. and they said this is best cover for me. now i cannot get enything from my insurance. I have been off sick for last 4 months cannot work cannot pay my bills please help if you can

My car insurance cancelled my renewal yesterday. I was working delivering pizzas from my local pizza shop and when i started working for them i phoned my insurer up to make them aware of what i was going to do to have the right level of cover when i called them last october to arrange this they told me that all i needed was buisness insurance and to tell them i had a part time job delivering pizza of which i did all off. But when i was on the phone to them yesterday (28/09/2011) They told me i was to high a risk and they could no longer insure me i said to them if i dont do deliverys trying to fix the problem they just said sorry we cant do that and if you want insurance i would need to declaire that i have had insurance decilned from them. But they said they would still cover me until 18/10/2011 but i cant use it for deliverys no more which i have now stopped doing as i dont want to get stopped my the police and found to have no insurance for doing such work. Does anyone have any ideas?