Car insurance Help

[tangles71]

I have been driving from the age of 16 in Australia, moved to the Uk 4 years ago. Had an international drivers license for a year and a full UK one for the last 3. Had a Churchill account until just recently when it was cancelled due to money coming out of the account on the wrong date and the RBS cancelling the direct debit without my knowledge. Have had no contact from RBS in concern to the cancelled direct debit or the funds not being withdrawn. Had no contact from Churchill to say the account was being closed, allowing me time to make the payment to stop the account being closed. Now Im just about buggered because I dont have the years on my license to get insurance elsewhere and also the issue with the account being cancelled without my knowledge. I cant seem to find anyone willing to insure me now. Really has put me in a bind as i was already limited by the fact im on a visa in the UK which seems to go against me on insurance (and everything else) - if someone can suggest a car insurance company that may insure me can you please let me know. I have made a email complaint to Churchill - havent heard anything back and not sure of the 0800 numbers - thanks

[unclebulgaria67]

Churchill and many other Insurers will send out a letter advising of the Direct Debit failure and asking for payment to be arranged. They will then cancel the policy, if this is not done. This is not in my opinion a 'cancellation' issue that needs to be disclosed, when you are asked about whether you have ever had a policy cancelled. That question really relates to a situation of non disclosure, fraud, too many claim so a bad risk.

 

You should be able to start up a new policy elsewhere or even with Churchill without there being any issue.

 

If you call Churchill, I am sure that you can resolve.

[tangles71]

Didnt receive that letter, either from the RBS or Churchill, because i have a visa (UKBA) my paperwork has been held for a year so I couldnt change banks (all the documents needed were being held). Otherwise I would have been out of the RBS months ago with the last set of issues of setting up a direct debit. So Spoke to Churchill and they will allow me to have another insurance policy, but I would now have to pay for the full year - even though i have had direct debit payments for 4 years with no issues. They really want to hold onto their clients, not. Really disappointed in Churchill, proved from phone calls and payments in the past if there was any issues i made sure that I was up to date with everything. Not sure now even if i want to continue a policy with them at all.

[unclebulgaria67]

See if you can speak to a Team Leader or manager at Churchill. It is at their discretion whether to allow monthly payments or not. If it was a one off issue with RBS that the DD failed, then this may help them change their minds. Churchill are still part owned by RBS.

[tangles71]

its not a one off issue with RBS - i know a few people who have had debits cancelled and payments made early. I even had to get another account created to fix the first account a year ago. I stated that to the guy on the phone about who owns churchill and he said yes but they arent the same. Any ideas on how to get to a manager ? each number is based on going through customer service