Insurance Cancelled - No Refund?

[malaprop]

Hi there,

 

Any advice would be much appreciated.

 

I have been using Adrian Flux for four years for the insurance of a camper. This year the renewal went ahead as usual and I paid the policy in advance for the year.

 

I am used to getting lots of junk emails from them but I did get one requesting a mileage form be completed. I also had a chasing call. I confirmed I had sent it back and was informed that a letter would come out confirming the policy was due for cancellation but not to worry.

 

I have now had a letter confirming that my policy has been cancelled and that I must return the documents. Obviously I am less than pleased and I stated they needed to either re-instate the policy or refund me the pro-rata nine months of insurance I have not had. Their response has been that I will get no refund and the policy will remain cancelled.

 

How on Earth can they take nine months of premium for no provision of service? They maintain they did not get a copy of the form in the post, and they have chased a couple of times so I can accept they might want to cancel the policy, but surely that is their decision and I should not be penalised financially for it?

 

Thanks to anyone who has some suggestion.

 

James

[unclebulgaria67]

You need to make a formal complaint to Adrian Flux head office, advising them that you want to proceed to the FOS, so require their final response letter.

 

The FOS would charge Adrian Flux a £500 case fee and it would cost you nothing, apart the time and postage to make the complaint to the FOS.

 

If Adrian Flux believe you will be going to the FOS, they will I think change their minds.