Ok so most of you know i've been restoring an Rs turbo for some time, anyways cutting a very long and boring story short is this, insurance day came, i rang direct line up who told me i had two years no claims but they couldnt insure me till i was 21 due to the nature of the car, so rang around and eventually ended up ringing sky, who to my amazement quoted me at £1400 due to my 2 Years no claims, brillant i thought, anyways paid the £380 + deposit and other fees totalling £585, and eventually got the sheet through the post about modifications and asking for my no claims bonus, anyways it turns out i did have two years no claims but only if i went with direct line, so i immediately rang sky insurance up telling them the problem, to which i was told it wouldnt be a problem as direct line had said they would send me a letter saying i had drove for two years claim free (same thing isnt it) anyways, next day i get a rather unpleasant and tbh down right rude person ringing me up, where he spoke these exact words, Ashley we are afraid there is nothing we can do for you as the company we deal with wants two years ncb, you may get some of your deposit back but you wont get it all due to information been witheld, when i tried to reason with him and explain that direct line was sending me a letter all he said was they wont recognise it. Now a week went past from that day and still no phone call about my deposit, so i decided enough is enough and rung them up and guess what the fincial department was on there dinner and they would ring me back in a max of 10-15 min, day went past still no call, again at a different time i rung, and again they were on their dinner, by this point i was starting to lose my patience as i wanted the Rs back on the road but without my money back i couldnt start up with the other company, anyways 3 days later we managed to get in touch with the finacial company where again we was met by an even ruder person who just said due to with holding information and cancelation fees plus our intrest you wont be getting any of the £585 back, now flame me if im wrong but, A. i didnt cancel and on the letter it clearly states if they cancel for what ever reason im entitled to my deposit back, B. how did i withold information if at the time i set it up it was correct and wasnt my fault, C. They should totally be ashamed and i warn anyone to stay strongly away from this comapny, yeah they may give cheaper quotes but at the end of the day they will take your money but anything to do with giving it back they are out on lunch and dont want to know.

I await your responce to this ollie and most of all everybody else. End of the day i was totally honest with Sky even declared all my mods which they got wrong anyways, apparently im running around with 17's and loads of other stuff i dont have, so tbh if anybody got anything wrong it is them, just would like to say thanks for nothing

 

Dident think they could do that feel sorry for you pal

 

i had this i was a named driver on a direct line policy as they told me i could build up my own ncb this way yet when you read the small print its says the ncb is only to be used with direct line

yet i took a new policy with bell car insurence and the excepted them and when i left bell the sent me proof of my ncb

 

well im been told by the new company that at the end of it i will have NCB, but tbh im not made of money and when the new deposit is £416 its hard to find that sort of money on short notice, so to all i would highly recomend you stay away from sky, as they are quick to take your money (same day) but took me two weeks to get in touch with someone about the deposit, tbh im going to take this further, as at end of the day i didnt cancel.

 

this insurance companies mate.

I had exactly the same thing happen but it was when they said my x5 was worth more than i said.

Strange considering i bought it for a grand less than i said!

 

same with me, i only got one years NCB with thames city. and they can take there 1yrs NCB and shove it RIGHT up there arse

 

Hi,

I'll keep this brief as I also need to reply on the other forums you have posted this same feedback about us on as well.

When we insured you, you told us you had 2 years NCB.

When we asked or proof of this, you send us evidence of named driver experience which is completely different to NCB. As such, the underwriter we placed you with withdrew their offer to insure you.

The people to be pointing the blame at are the insurer who told you that this named driver experience counted as NCB, they really should be ashamed of themselves.

As a goodwill gesture and as we are confident there was no malice in your intentions we are looking at a better level of cancellation for you.

Kind regards

Ollie
Sky Insurance

 

TBH goodwill gesture or not, the most you could morally charge is an admin fee, not the better part of £600!

I had hoped this was a storm in a teacup but from the response Ive heard all I need to.

 

Please do not take this wrongly but the refund amount has not been calculated yet so it's wise not to draw your own conclusions based on what a disgruntled customer has written on a car club forum.

 

i told someone i had ncd once but it elapsed a sit only last s2 year sand i didnt insure in that time
its a kick but shit happens

altho i got a full refund!!!!!!!! seen as i had not driven under any cover there was nothing to pay
clicking buttons doesnt make charges, its call having employees

 

correct me if I wrong but afaik insurance still has a 14 day cooling off period so if he decided he didnt want it and cancelled it would cost him nothing?

 

please keep all replies relavent to the topic .. any insults or posts that are in breach of the rules will be removed ...

 

tbh the only reason i posted it on the car forums is i was told by a member of your staff i was going to get no money back what so ever, and had to resort to selling personal items just to get the car insured with another company, at the end of the day at the time i told you i had 2 years ncb it was the correct information that i was given, fair enough that the company wanted two years ncb, but when a member of your staff said that it would be same if i got the letter surely that puts you in the wrong as well, and taking nearly £600 off me for yours and direct lines mistake is surely an outrage.

 

this is an issue you should be taking up with Direct Line not Sky as its Direct Line in the wrong.

How can they issue you with NCB but its only valid if you re-insure with them - that dont sound entirely legal to me.

If you have 2 years NCB then you have 2 years regardless of who you insure with.

I have NEVER had any issues with NCB not being issued andi have switched over to different insurers several times.

IMO you should have asked direct line to send you a copy of the NCB discount as you are entitled to it.

Failing that contact the insurance ombudsman

 

I dont know your company from adam, however based upon reading what you have posted in this post, I know that I would not use your services, I am trying not to go into specifics of this case.

1. Goodwill gesture for cancellation! Are you having a laugh? I feel the guy deserves a full refund minus a fair administration fee.
2. Saying one of your competitors should be ashamed of themselves. No they shouldnt, you should be ashamed that your staff were not trained at a high enough standard to realise this about direct line 2nd driver NCB not being NCB despite it being advertised, and one of your staff members saying it will be fine.
3. There basic wording errors, "you send us" should be "you sent us" - this is regarding the fact as it is a historic fact, and not you should send us.
4. You chose to disclose facts on a public forum about a specific complaint. A typical response from a very small company as they see every complaint as personal rather than what it is, just a dissatisfied customer who needs to be spoken to directly and a polite reply on a public forum.

For these 4 reasons, I open myself up to be flamed as I know my grammar is not the best, and I hope you improve your companies procedures for dealing with negative publicity

 

Ashley,

I think you need to put this down to experience, look for the proper channels and complain via them. A small amount of bad publicity wont kill a insurance company, it probably wont even damage there reputation if they handle the situation properly.

Another factor to remember, is you are protected by law, and no matter what they put in the contract he law wins!

 

Direct Line can be dodgy. I insured with them as they were the cheapest (but as I later found out their database was incorrect so it should have been a lot more).

I put my reg in and it showed my car spec but not the engine size. I assumed it was ok but when i changed reg they wanted to charge me £150 to sort it.

I thought it was fine cos the spec I had only came with a 2litre engine.

 

The problem is he dosn't have 2 years NCB, he has a direct line named driver 2 year discount which can only be applied if he chose to take out a direct line policy in his name. Its one of those things where the OP should have read his policy document, yes i am too guilty of not reading things properly but if something sounds too good to be true it generally is.

I do think he has been stung pretty bad though with the whole deposit thing, i would have thought there should be an admin fee and that would be that, see what he gets back though.

 

Typical insurance company, quick to take your money, but wouldnt breath out unless they have to......I would contact the office of fair trading along with the citizens advice. £600 is a ridiculous amount to be 'charged' for administration. If this was me, i would get the money back one way or another...

 

ashley, reading this i had the same thing with tesco insurance 2 years back. They refunded me the entire deposit in one lump within 1 week of cancellation (that they cancelled). so my advise is if the insurance company named won't give you your money back i would go to a no win no fee solicitor (no win no fee for the reason they win alot of their cases). To be honest you have paid the insurance company named to provide you with insurance cover... they can no longer provide this service... so simple give you (the customer) your money back. your completly in the right here ! now go get your money back !

 

I would have thought you have a cooling off period. Has the insurance actually started? If not then a small admin fee would be fair enough. As said above the Sky representative is unproffesional in his wording saying that Direct line should be ashamed of themselves. What he should have said was "Unfortunately the information provided to our new customer by his existing insurer was not clear. He should have been made aware that the NCB only applied if he remained with Directline. Given the situation we will cancel the policy and refund the premium minus a reasonable admin fee."

Also if they had quoted on incorrect details then they are equally in the wrong.

 

Pretty sure that the 14 day cooling off period is valid as it is technically a finance agreement when opting to pay monthly.

If cancelling within this 14 days then the only amount to be charged is a reasonable admin fee covering the insurer/brokers costs AND the charge for the number of days covered prior to cancellation of the policy.


Thats what the smallprint reads on my insurnace with NFU anyhoo