Nightmare with car insurer

I may well be wrong but isn't it frowned upon if an insurer has cancelled a policy? I know your asked to declare if you've ever had a policy cancelled previously, I'd be very careful they don't cancel it and you end up paying through the nose in the future because of it!
 
technically, i will choose to cancel if that happens, cos it will be either i pay extra or i choose to cancel. So they will not cancel I expect.

(or they waiver the difference, but I doubt it)
 
I wonder if you had recorded your call, and let them know you were going to record it, would that have helped? I often think I should get a decent voice recording app for my mobile, or a recording device for my home phone when dealing with things like insurance.
 
Ace Modder said:
I want too because I know the best quote elsewhere was around £350 more than 1st central, so I will be paying 50% extra anyway.

My concern though is what would the process be like IF I have to make a claim.
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To ensure a potential claim will be honoured you might be required to initially pay the ap to keep the policy going, however as mentioned an FOS complaint will almost certainly side with the customer in this instance because you provided all the facts and the insurer is clearly in the wrong.

Insurance is FCA regulated and they have to 'treat customers fairly'. You took out the policy in good faith, provided the correct material facts and the insurers made the error. I doubt that the insurer will want this one to go to FOS because it is clearly the fault of the insurer.

You've got a recording of the conversation in your back pocket just in case their recording has a 'software error' and can't be pulled from the archive ;)
 
Is it possible you're the victim of identity fraud here? Or, more likely, another customer has exactly the same name as you?
 
Be careful if they cancel as insurers ask if you've had a policy cancelled IIRC? It's a valid reason, but we all know insurers will do anything to bump the price up.
 
Oh god.

I actually work at your insurer.

I'm in the accounts team and don't really know anybody in the customer service team, but I'll have a word with a colleague when I'm on a smoke break and see if I can find somebody who might know how to sort it.
 
Doesn't seem right. They probably thought you would roll over and accept. Fight it all the way! Being an old git i only pay approx £140 Fully Comp!!
 
You can cancel within the 14 days and they have to give a full refund afaik. They may be able to deduct the days which you were covered for though (won't be much).

You could always force a cancelation on their end by declaring some outrageous mods :P

The "have you had insurance declined" is something else. That is if you had a claim rejected due to providing false details I think. Not if they cancel due to you falling outside their policy (i.e you mod the car but they said no mods allowed).
 
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Rids said:
Oh god.

I actually work at your insurer.

I'm in the accounts team and don't really know anybody in the customer service team, but I'll have a word with a colleague when I'm on a smoke break and see if I can find somebody who might know how to sort it.
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Thank you very much.
 
Craig321 said:
I wonder if you had recorded your call, and let them know you were going to record it, would that have helped? I often think I should get a decent voice recording app for my mobile, or a recording device for my home phone when dealing with things like insurance.
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Ace Modder said:
Luckily my phone is set to record all my calls and I checked it and I advised them of the correct date on the call 100%.
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Like bainbridge and paradigm this caught my eye, could be very fortunate on this occasion Ace Modder.

Makes me think it's probably even worth bluffing when things like this happen. As someone else said I doubt they'd ever ask you for your recording, but it will force them to check theirs.
 
I've used 1st central for the last 4-5 years no issue, even when changing vehicle half way through a policy, hopefully they will get it sorted for you.
 
Well I'm impressed. Just had a call back from the agent who promised to take owner ship of the issue.

He just advised the call was checked and the evidence was 100% in my favour I was correct that I gave them the corrected data, but the agent did it wrongly his side.

So they are cancelling any additional fee charges (the £723 they wanted yesterday) and the policy remains 100% valid. I shoudl receive an email in the next hour or two with written confirmation (but my call was recorded again just now anyway so I have this recording too)
 
tom_e said:
Good outcome, someone's going to get a spanking though £700 is not to be sniffed at!
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Yes, that's what I thought. I'm just happy they resolved it to my satisfaction (I wonder if having a forum member here who works there made a difference to the outcome? - If so, thank you very much Rids)
 
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I did have a word with somebody who then had a word on my behalf, but I'm simply a finance bod with zero power, did get them to look up your policy number though.

Given how quickly it was turned around I imagine this was well on its way to being sorted and my involvement made no difference.

Either way glad to see it resolved!
 
Rids said:
I did have a word with somebody who then had a word on my behalf, but I'm simply a finance bod with zero power, did get them to look up your policy number though.

Given how quickly it was turned around I imagine this was well on its way to being sorted and my involvement made no difference.

Either way glad to see it resolved!
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Well my faith in humanity is now restored. Thanks
 
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