Insurance Cancelled
15-06-2010, 04:57 PM
#1
Insurance Cancelled
I renewed the insurance on the 4i last week with a different insurance company.
Today i received a letter saying they are going to cancel the policy, no reason given.
I phoned them to ask why my insurance was being cancelled as i had sent off the modified vehicle form etc to them.
After a long delay i was informed it was because the car had a Cosworth engine fitted and not a RS engine that i had stated when they excepted my business.
They said because i had misinformed them they would not insure the vehicle.
I denied this saying that you have always known it was fitted with a Cosworth engine.
I asked about a refund on the policy and was told i would only get back £144 of the £269 i had paid
I then asked about reviewing the tapes that they make when you phone them, only to be told it would cost me another £25 to do this
I asked what happens if im correct, will i get a full refund and the £25 as well, line goes dead again for a few minutes before i get told Yes.
They reviewed the tapes and i had informed them correctly and im now going to get a full refund
. The broker £ucked up.
Now got to find someone else to insure it
Steve
Today i received a letter saying they are going to cancel the policy, no reason given.
I phoned them to ask why my insurance was being cancelled as i had sent off the modified vehicle form etc to them.
After a long delay i was informed it was because the car had a Cosworth engine fitted and not a RS engine that i had stated when they excepted my business.
They said because i had misinformed them they would not insure the vehicle.
I denied this saying that you have always known it was fitted with a Cosworth engine.
I asked about a refund on the policy and was told i would only get back £144 of the £269 i had paid
I then asked about reviewing the tapes that they make when you phone them, only to be told it would cost me another £25 to do this
I asked what happens if im correct, will i get a full refund and the £25 as well, line goes dead again for a few minutes before i get told Yes.
They reviewed the tapes and i had informed them correctly and im now going to get a full refund
. The broker £ucked up.Now got to find someone else to insure it
Steve
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15-06-2010, 05:26 PM
#9
Lucifer II - 666
Thats shocking behaviour from the insurance company
15-06-2010, 05:34 PM
#11
Too many posts.. I need a life!!
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Performance Direct wouldn't insure me this year as i had too many modifications apparently 
Same mods but a less powerful engine than when I was insured with them the year before, go figure.
I think the underwriters are getting a bit more picky about what they will insure these days.
Same mods but a less powerful engine than when I was insured with them the year before, go figure.
I think the underwriters are getting a bit more picky about what they will insure these days.
15-06-2010, 05:47 PM
#13
Advanced PassionFord User
insurance onbudsmin maybe? seems a bit out of order i was thinking have they gave you notice of your policy been cancelled or just cancelled it? The way i see it it was there fuck up so they should have to honour the policy that was offered imo as for declaring insurance was cancelled may put your future quotes up doing it online anyway as quotes are generated by a machine which you get a discount for using anyway i'd push them for a sweetner personally
15-06-2010, 05:48 PM
#14
20K+ Super Poster.
Just for future reference anybody who records you in any manner whatsoever cannot charge to let you view(if camera ie cctv) or listen if tapes, they have a legal obligation under the data protection act to allow this, otherwise they break the law.
They should also inform you who is doing the recording and who operates the system if a company, you'll see notices around garages etc, they cannot charge for this.
If you get problems speak to the "data controller", every firm has to have one by law, who will know your entitlement.
tabetha
They should also inform you who is doing the recording and who operates the system if a company, you'll see notices around garages etc, they cannot charge for this.
If you get problems speak to the "data controller", every firm has to have one by law, who will know your entitlement.
tabetha
15-06-2010, 05:50 PM
#16
insurance onbudsmin maybe? seems a bit out of order i was thinking have they gave you notice of your policy been cancelled or just cancelled it? The way i see it it was there fuck up so they should have to honour the policy that was offered imo as for declaring insurance was cancelled may put your future quotes up doing it online anyway as quotes are generated by a machine which you get a discount for using anyway i'd push them for a sweetner personally
I doubt the onbudsmin would do anything.
I think the broker should have insured me with another company and then pay any extra that i would have to pay. They £ucked up not me.
Steve
15-06-2010, 05:52 PM
#17
Just for future reference anybody who records you in any manner whatsoever cannot charge to let you view(if camera ie cctv) or listen if tapes, they have a legal obligation under the data protection act to allow this, otherwise they break the law.
They should also inform you who is doing the recording and who operates the system if a company, you'll see notices around garages etc, they cannot charge for this.
If you get problems speak to the "data controller", every firm has to have one by law, who will know your entitlement.
tabetha
They should also inform you who is doing the recording and who operates the system if a company, you'll see notices around garages etc, they cannot charge for this.
If you get problems speak to the "data controller", every firm has to have one by law, who will know your entitlement.
tabetha
Bloody con if you ask me
Steve
15-06-2010, 05:59 PM
#18
Advanced PassionFord User
sometimes the threat is enough at least they've gave you time to sort it i personally would be spitting feathers have you spoke to the broker? whatever happens good luck with the new quote
15-06-2010, 07:53 PM
#20
its annoying but ultimately the only thing insurance companys care about is profit.
We live in a country where insurance is legally required. so they have us over a barrel. The only reason they dont fuck us all over is the little competition that still remains albeit decreasing as insurers seem to be pulling in the purse strings and ditching any risk. ie ditching us lot with fast cars!!
I get the impression theres going to be more and more cases like this and less and less brokers able to offer sensible premiums.
oh well shame! guess it was inevitable we were all going to get screwed.
We live in a country where insurance is legally required. so they have us over a barrel. The only reason they dont fuck us all over is the little competition that still remains albeit decreasing as insurers seem to be pulling in the purse strings and ditching any risk. ie ditching us lot with fast cars!!
I get the impression theres going to be more and more cases like this and less and less brokers able to offer sensible premiums.
oh well shame! guess it was inevitable we were all going to get screwed.
15-06-2010, 08:10 PM
#21
20K+ Super Poster.
Just for future reference anybody who records you in any manner whatsoever cannot charge to let you view(if camera ie cctv) or listen if tapes, they have a legal obligation under the data protection act to allow this, otherwise they break the law.
They should also inform you who is doing the recording and who operates the system if a company, you'll see notices around garages etc, they cannot charge for this.
If you get problems speak to the "data controller", every firm has to have one by law, who will know your entitlement.
tabetha
They should also inform you who is doing the recording and who operates the system if a company, you'll see notices around garages etc, they cannot charge for this.
If you get problems speak to the "data controller", every firm has to have one by law, who will know your entitlement.
tabetha
15-06-2010, 08:14 PM
#22
PassionFord Post Whore!!
15-06-2010, 08:34 PM
#24
Advanced PassionFord User
Why pay 25quid for the tapes when you could send them a subject access request and pay 10quid, ok it takes up to 40 days but you'd still get copies of the tapes, or at least a written transcript of the the conversations.
15-06-2010, 11:30 PM
#29
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arseholes. i went to insure with them after a ban as they were the cheapest. told them about my convictions. dr10 x2 and a tt99. paid £750 up front sent off my licence. month later after they had taken the next payment they say i hadnt told them about tt99. drags on for another month then turn around and say they cant insure me after they had taken another payment. sent me a letter demanding 300+ pounds because the policy had been cancelled even though they cancelled it . i refused to pay but the wife didnt want the hassle so rang them and they offered to settle for £114. robbing bastards.
Last edited by stigger_darlo; 15-06-2010 at 11:31 PM. Reason: spelling
15-06-2010, 11:37 PM
#30
to be fair stigger darlo, you are their worst nightmare customer and they dont really want your business!!
two drink drive convictions will scare any sane motorist let alone insurers. They will look at that and see you as a massive risk because you clearly havent learnt lesson/dont give a shit.
two drink drive convictions will scare any sane motorist let alone insurers. They will look at that and see you as a massive risk because you clearly havent learnt lesson/dont give a shit.
15-06-2010, 11:41 PM
#31
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to be fair stigger darlo, you are their worst nightmare customer and they dont really want your business!!
two drink drive convictions will scare any sane motorist let alone insurers. They will look at that and see you as a massive risk because you clearly havent learnt lesson/dont give a shit.
two drink drive convictions will scare any sane motorist let alone insurers. They will look at that and see you as a massive risk because you clearly havent learnt lesson/dont give a shit.
16-06-2010, 10:19 AM
#33
Just for future reference anybody who records you in any manner whatsoever cannot charge to let you view(if camera ie cctv) or listen if tapes, they have a legal obligation under the data protection act to allow this, otherwise they break the law.
They should also inform you who is doing the recording and who operates the system if a company, you'll see notices around garages etc, they cannot charge for this.
If you get problems speak to the "data controller", every firm has to have one by law, who will know your entitlement.
tabetha
They should also inform you who is doing the recording and who operates the system if a company, you'll see notices around garages etc, they cannot charge for this.
If you get problems speak to the "data controller", every firm has to have one by law, who will know your entitlement.
tabetha
16-06-2010, 10:23 AM
#34
Fuck me that kinda treatment is shocking! Imagine you had gone on holiday or something.... tossers!
Try Paul @ needtoinsure, he sorted new policy right out Steve! Very genuine guy who also owns a Series 1 and Esc Cos so know what the RS scene is all about... Def worth a shot!
www.needtoinsure.co.uk
01623 720081 Ask for Paul...
Try Paul @ needtoinsure, he sorted new policy right out Steve! Very genuine guy who also owns a Series 1 and Esc Cos so know what the RS scene is all about... Def worth a shot!
www.needtoinsure.co.uk
01623 720081 Ask for Paul...
16-06-2010, 11:28 AM
#36
Just for future reference anybody who records you in any manner whatsoever cannot charge to let you view(if camera ie cctv) or listen if tapes, they have a legal obligation under the data protection act to allow this, otherwise they break the law.
They should also inform you who is doing the recording and who operates the system if a company, you'll see notices around garages etc, they cannot charge for this.
If you get problems speak to the "data controller", every firm has to have one by law, who will know your entitlement.
tabetha
They should also inform you who is doing the recording and who operates the system if a company, you'll see notices around garages etc, they cannot charge for this.
If you get problems speak to the "data controller", every firm has to have one by law, who will know your entitlement.
tabetha
16-06-2010, 11:57 AM
#38
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this car had no radio and was a morris traverler so basically very little wire so hardly caused by any after market equipment
Pete
16-06-2010, 12:54 PM
#40
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Slightly off topic but i got banned for 6 months on July 3rd 2006. When i got my license back, i was insured on the company van, we then went to hire vehicles and again insured fine. Last year they told me i couldnt be covered anymore, so had to buy a daily driver etc.
Anyway, rang them today to see if i could get insured, and they still couldnt do it, you have to have your license back 5 years, sometimes they allow 4.
Its a joke, ive got a tt99 on me license, which were due to 4xsp30's. Last time i got caught speeding was Jan 06. Apparantly if ur caugh drink driving its 15years before they will insure you
Anyway, rang them today to see if i could get insured, and they still couldnt do it, you have to have your license back 5 years, sometimes they allow 4.
Its a joke, ive got a tt99 on me license, which were due to 4xsp30's. Last time i got caught speeding was Jan 06. Apparantly if ur caugh drink driving its 15years before they will insure you