Help My Car Insurance Was Cancelled!

[tonywatsonmail]

Hi Everyone,

Havent used this site before but would like some good advice.

 

I was driving home yesterday when i was pulled over by the police for having no insurance, this came as a big shock to me as i bought and paid for my cover on 28 march 2009 and had a 12 month policy.

 

whilst in the car with the police i phone my insurance company (Gladiator) to be told that the policy was cancelled on the 18 June 2009.

 

i was very surprised by this as you can imagine but was even more shocked when i was told it was because i had not given them my no claims bonus! i did not need to give them my no claims bonus as i was previously insured by them, and they had all my details.

 

the question is: can an insurance company cancell car insurance mid term without letting me know?

 

for your information they claim to have sent me 10 letters about the situation and are stating its my fault for not resonding, i never recived any letters from them about this and they have no way of proving to me they posted them as they suposedly just went out first class post.

 

please help as ive gone as far as i can with them and are now fining myself in a situation i shiould never have been left in.

 

thanks

 

Tony

[vusys1]

an ins company must given you 7 days notice of their intention to cancel.

 

10 letters??? thats alot, we ususally stop at 2.

 

When you took out the insurance did you make them aware that your previous policy was with them? as they would only search and transfer the ncd if you told them.

[tonywatsonmail]

yes i phoned them and told them, but i have no details of who i spoke to.

 

ive been looking into it, and the statement that they must provide me with 7 day notice,

 

if i have not recived any such notice, surley just posting a letter that can easily get lost in the postal system is not adiquate evedence that they have provided me with such notice?

 

tony

[vusys1]

ask them to get the quote,incpetion call listened to etc to confirm that you told them that they were the previous insurers.

 

they only thing that would have stopped them transferring the ncd is if there was a gap un cover etc, but they consultant has agreed to use that ncd there shouldnt be a problem.

 

a letter is all that is required,no calls,not recorded delivery etc just a letter to your last know address. If their system confirms a letter has been sent that is enough. As companys issue 1000`s of letters daily they cannot physically watch them being posted and then delivered.

[tonywatsonmail]

i can understand if a policy has ended, you are awere of your renewal date, if you dont renewit its your fault.

 

but it cant be treating customers fairly if they can cancell a policy mid term without making sure you know about it.

 

doesn't the law state that you have to provide customers with 7 days notice?

not you have to try to provide customers with 7 days notice?

sending a letter that can clearly get lost in the post cant be seen in the eyes of the law as giving notice, it must require that they get it to me?

[postggj]

Vusys1

 

You State Seven Days Notice Needs To Be Given To Cancel A Policy

 

Can You Point Me To The Legislation

 

I Had The Same Thing Ref No Claims And A Cancelled Policy

 

Lucky No Old Bill Though

[postggj]

These Letters As A Norm Are Sent By Recorded Delievery

[tonywatsonmail]

i have read through the turms and conditions of the policy and it states:

We or your intermediary may cancel this insurance by sending seven

days’ notice, in writing, to your last known address (and in the case of

Northern Ireland to the Department of the Environment, Northern

Ireland).We will refund the part of your premium which applies to the

remaining period of the insurance.We will send this refund to your

insurance adviser.

 

however they cant provide me with any evidence that they did this!

shorly i have a good case?

[vusys1]

These Letters As A Norm Are Sent By Recorded Delievery

 

not if they are part of a chasing process

 

i.e a a direct debit is being rejected a system letter will be sent,if it bounces again a 2nd system generated letter is sent if it rejects again a consultant issues a system letter confirming we are cancelling and on what date unless the o/s monies are paid. Same thing for chasing ncd if no evidence of ncd is received a letter confirming the addtional premium for the removal of the bonus but the PH must call to give permission to debit the additional otherwise the policy will be cancelled.

 

The only time we have ever sent 7 day cancellation letters by recorded delivery is due to breech of u/w conditions,failure to provide info etc.

[vusys1]

i have read through the turms and conditions of the policy and it states:

We or your intermediary may cancel this insurance by sending seven

days’ notice, in writing, to your last known address (and in the case of

Northern Ireland to the Department of the Environment, Northern

Ireland).We will refund the part of your premium which applies to the

remaining period of the insurance.We will send this refund to your

insurance adviser.

 

however they cant provide me with any evidence that they did this!

shorly i have a good case?

 

id ask for the sales call maybe even though they confirmed they would transfer the ncd its usually back office staff who have to do this and not the sales staff,could be he didnt tell the back office. Id also query the 10 letters and ask for the dates they were sent.

 

how long after the policy started was it cancelled?

[tracy80]

Hi

 

My boyfriend's car insurance was cancelled for no proof of NCB. We had recieved a few letters and contaceted our previous insurer regarding NCB.

A month passed and we went on holiday . On our return their was a letter saying my credit card was refunded half the premium. The other half was on cost of cover , brokers fees and commision and admin charge which amounted to £100.

My boyfriend contacted the company NCI insurance services and was told as soon as he got the proof to fax it or mail it and they could reinstate the policy. A few days later and during which time he was commuting by train to work I faxed the proof of NCD and phoned them only to be told a new policy costing £270 would be taken out.

I want to complain as I didnot recieve a written notice of cancellation . Moreover I have not been refunded the entire amount I should have been . I did not receive a terms and condition booklet and didnot get a chance to reinstate the policy.

Will I be able to get some of these fees refunded? I have since paid out for a new policy with another insurer as I did not want to deal with these rip off merchants!!!

Tracy