This is the area which seems very unlikely.
Legal injustice...insurance fine
- Thread starter mattyfez
- Start date
This is the area which seems very unlikely.
Well this is the thing, I've seen the email the insurance sent him thanking for proof of no claims.
I cant see how he could be found guilty either.. it doesn't add up, I would expect it to go to a hearing, he presents his mitigating evidence and I would have thought it would basically be dropped.
I am assuming he has given me the full story here - that's why I am curious as to what happens to other in this situation.
This can probably safely be said of any story in Motoring. But I agree with those here who say: the insurers would have sent a letter. If the issue was no proof of NCD, then they would have sent at least two: one reminder that you still hadn't sent the proof, and another letter to cancel. I second reminder is also pretty likely. So I also ask: what is the OP missing out?
No idea to be honest - I know I don't have a hard copy of mine, I have to log in and download it from my insurers website.
Im thinking he may have just had the temporary one they send you whilst they are awaiting proof of no claims that is only valid for 30 days...
Man of Honour
- Joined
- 17 Nov 2003
- Posts
- 36,749
- Location
- Southampton, UK
So what was the insurance company's explanation if the email got sent etc?
I think this story is missing some very key bits of info.
My father is a JP (now retired),I recall him often saying that he used to have many cases before him where insurers had cancelled policys for either non provision of proof of NCB, failed direct debit or non payment etc etc etc
In many cases the policys were cancelled without it would appear any notification to the policy holder.
He was always banging on to me about making sure my monthly direct debit went out and I'd posted off any requested documents.
The story in the OP, given what I say above, seems more than possible to me unfortunately.
In many cases the policys were cancelled without it would appear any notification to the policy holder.
He was always banging on to me about making sure my monthly direct debit went out and I'd posted off any requested documents.
The story in the OP, given what I say above, seems more than possible to me unfortunately.
I've also just re-checked the insurance on my car. Went with MoreThan and I remember them querying my NCB. For me they issued me with a 7 day cover note until the proof came through but then they randomly rang to say that Zurich wouldn't confirm my NCB. Just checked and they did then later issue a proper cover note.
I've heard of it before where a direct debit has failed for some reason or other with the end result that someones car insurance has been cancelled without them apparently being properly notified, but never been in a position to check the facts.
Happened to a mate . Cancelled his policy , didnt give a refund. He got pulled but the police where very understanding and it all got sorted before court and points
Other work mates have noticed insurance monthly payments not going out and found out their policy was cancelled without them being told
Insurance companies are just ridiculous in every way
Other work mates have noticed insurance monthly payments not going out and found out their policy was cancelled without them being told
Insurance companies are just ridiculous in every way
Soldato
- Joined
- 9 Dec 2009
- Posts
- 5,434
- Location
- Bristol
The FOS won't look at the case until he's taken it up with the broker/insurer who arranged the policy and received a final written response from them.
This is correct. At my workplace we have to issue a 7 day letter by RD before cancelling a policy. After sending out loads of chasers the RD usually brings them out of the woodwork
If the OP's friend has evidence that proof of bonus was received and they've cancelled due to lack of ncb then he clearly has grounds for complaint, it'll be interesting to see what happens.
This happened to my brother. He had his cancelled without warning even though they were still taking the direct debits. This was elephant.
My uncle told me of a similar thing happening to him, although he fortunately found out before being stopped. He was driving around for 6 months without valid insurance. This was with More than. In each case, there was no notification or apology.
You may recall last year that I had similar trouble with the Insurance factory saying they hadn't received my documents despite me sending them 4 times, three of which were recorded delivery. I wonder if its time that insurance was nationalised?
The FOS won't look at the case until he's taken it up with the broker/insurer who arranged the policy and received a final written response from them.
This is correct. At my workplace we have to issue a 7 day letter by RD before cancelling a policy. After sending out loads of chasers the RD usually brings them out of the woodwork
If the OP's friend has evidence that proof of bonus was received and they've cancelled due to lack of ncb then he clearly has grounds for complaint, it'll be interesting to see what happens.
As we have seen, its too late once there is a fine and 6 points issued. Insurance companies might have to send out a letter, but clearly they don't.
Slightly big company.
I've had car insurance cancelled with no notification before.
It was Direct Line, and I only found out when it struck me the renewal should be due and I hadn't received a reminder, so I called them, only to find out they had cancelled it months earlier!
For no justifiable reason they could give me.
I was furious, told them to stick it and got insurance somewhere else....then had a prang a week later! How close was that...
(my only fault claim in 25 yrs of driving btw)
It was Direct Line, and I only found out when it struck me the renewal should be due and I hadn't received a reminder, so I called them, only to find out they had cancelled it months earlier!
For no justifiable reason they could give me.I was furious, told them to stick it and got insurance somewhere else....then had a prang a week later! How close was that...
(my only fault claim in 25 yrs of driving btw
)
Soldato
- Joined
- 9 Dec 2009
- Posts
- 5,434
- Location
- Bristol
It isn't too late if PH has the opportunity to appeal. I've dealt with lots of people who have been successful and got points and and convictions removed.
Sometimes insurers and brokers do make big mistakes leaving the customer uninsured, but I'd say 99% of the time it is down the the customer. They move house without declaring this so the notification goes to the old house, they send in incorrect ncb, or old ncb without explaining the gap in cover etc. then ingore attempts made by the insurer to clarify things.
If the OP's "friend" isn't appealing, yet he feels his policy has been cancelled through no fault of his own, doesn't this seem a bit odd?
Time will tell.