Kwik Fit Home Insurance issue

[unclebulgaria67]

Take your business elsewhere by arranging cover with another company that is more reliable. You don't have to declare having a policy cancelled, as it it not related to non disclosure or anything like that i.e it was just cancelled due to their mistakes with payments.

 

Make a complaint using the Kwik fit complaints procedure which is below. Once you have renewed a policy, it is up to Kwik fit to collect the payment. Under FSA rules Insurers or intermediaries have to have reliable systems in place, plus accounting standards at a certain level. I have dealt with similar for a large Insurers and we had to write off a portion of the premium, due to our failure to collect. This was because a consumer cannot be expected to find a large lump sum on request to make a payment which is totally different to the arrangement entered into. When a consumer opts to pay monthly they are doing so because they wish to spread the premium. As a result of your complaint, I would expect Kwik Fit to write the amount off. If they don't, I would suggest that you pass your complaint to the FOS.

 

If You Have a Complaint

 

We aim to provide satisfactory service at all times. If we let you down, please tell us and we will do our best to resolve the problem.

 

Step 1

 

Please call us on 0800 280 2205.

 

We will do our best to resolve the matter quickly. If you are not completely satisfied, please ask to speak to a Customer Relations Officer.

 

If you prefer, you may write to our Managing Director outlining your concerns and quoting your Customer Reference Number. Or, you can email us at [email protected]

 

Our aim is to acknowledge your complaint within 5 working days and resolve it within 20 working days. But in some cases it may take longer. If so, we will let you know. In all cases, you will receive a final written response within 40 working days.

[unclebulgaria67]

Wouldn't it be prudent to declare the cancellation with an explanation to save any hassle on a future claim. I bet the cancellation would be on the insurance database and you have no idea what kwik fit has put as the reason.

 

Does not work that way. When policies are cancelled only certain cancellations are notified e.g. non disclosure cases and fraud.

 

I know a little bit about this, as I have been involved in dealing with underwriting and IT for one of the largest companies.

 

The policies that get cancelled due to payment issues are not notified.

[unclebulgaria67]

Glad you sorted it.

 

The advice is always to look up the complaints procedure whenever you get into this type of situation with any company and don't be fobbed off. Complain to the relevant regulator/ombudsman if necessary. Most companies hate it if you end up taking a complaint above their heads, as it affects their complaints stats and they may end up with ombudsman fees to pay or worse a decision against them which includes them having to compensate.