Car insurance are threatening to cancel my policy

tandcapply

Hi, I need help.

My car insurance company transferred my insurance to a rental car without my consent, I only found out when the request for payment came through.

I refused to pay the massive transfer fee and have now been told that they've issued cancellation of my policy within 10 days.

What can I do to fight this? any consumer agency/regulator that can arbitrate swiftly?

Sixtoes

Think we need a bit more info. Did you rent a car?

tandcapply

Sixtoes wrote: »

Think we need a bit more info. Did you rent a car?

Yes, I did, that car came with basic insurance so they recommended transferring own own car insurance to it, we rang and asked for info, was told it's x Euro and we send, thanks for the info have a nice day.

Next thing we're told we owe for transferring the insurance over.

colm_mcm

How much is the massive transfer fee?

Did you ask for a recording of the call?

ED E

Sounds like an order was processed after only an enquiry. Standard procedure here is to have the provider review the call recording and confirm you never said you wanted to go ahead.

tandcapply

colm_mcm wrote: »

How much is the massive transfer fee?

Did you ask for a recording of the call?

Circa 60 Euro a few days transfer to rental (Car insurer only do weeks I've been told)
Recording is extra 6 Euro.

colm_mcm

Pay it and ask for the recording. You don't want them cancelling your policy, even if you're 1000% right it will put you in a very bad position with other potential insurers.

i would also do a data protection request as this is a huge time-sink for them.

https://www.dataprotection.ie/docs/Accessing-Your-Personal-Information/r/14.htm

tandcapply

colm_mcm wrote: »

Pay it and ask for the recording. You don't want them cancelling your policy, even if you're 1000% right it will put you in a very bad position with other potential insurers.

i would also do a data protection request as this is a huge time-sink for them.

https://www.dataprotection.ie/docs/Accessing-Your-Personal-Information/r/14.htm

Thanks, it's hard for me to let them win, bullying should not be tolerated.

colm_mcm

Yes, but if they cancel your policy, you're in the Shiite. No insurer will touch you if you've had a policy cancelled.

Ask for the recording of the call, or any other proof that you requested the service.

beechwood55

It sounds like an error. Pay the €60 and the €6 for the recording. Once it has been clarified that it was only a request for information on your part and not an instruction to transfer the insurance I am sure you will be refunded.

amcalester

beechwood55 wrote: »

It sounds like an error. Pay the €60 and the €6 for the recording. Once it has been clarified that it was only a request for information on your part and not an instruction to transfer the insurance I am sure you will be refunded.

Just pay the €60 and then make a complaint in writing, they'll then investigate and reply to you in writing.

No need to pay for the recording unless the written complaint is not dealt with to your satisfaction.

NUTLEY BOY

If you elect to pay the €60 do so on the basis that you are paying it without prejudice to your right to dispute the issue of responsibility to pay it. Otherwise, you might find yourself effectively estopped from seeking repayment.

Ubbquittious

colm_mcm wrote: »

Pay it and ask for the recording. You don't want them cancelling your policy, even if you're 1000% right it will put you in a very bad position with other potential insurers.

i would also do a data protection request as this is a huge time-sink for them.

https://www.dataprotection.ie/docs/Accessing-Your-Personal-Information/r/14.htm

Do those data protection requests turn up anything interesting besides name/address/phone number?

cplwhisper

Hello... the €6 fee is only for transcript of call

The supervisor in the phone team can listen to call and they must disclose the discussion made on the call

Failure for them to disclose error made by the clerk on phone will have compliance issues with the regulator but 70% of calls I've reviewed it's actually the customer that wrong ... they can't lie for risk of scripts paid for

beauf

Thus far I've needed to asked for a call recording to confirm some billing problem about 6 times. Everytime I was right. It keep arising with the same companies too.

colm_mcm

Ubbquittious wrote: »

Do those data protection requests turn up anything interesting besides name/address/phone number?

Not usually, but companies hate doing them.

Ubbquittious

colm_mcm wrote: »

Not usually, but companies hate doing them.

Any risk of being added to an internal company 'Prick list' by sending one in and being subjected to a 'Prick loading' on future quotes?

Sue Pa Key Pa

tandcapply wrote:

Yes, I did, that car came with basic insurance so they recommended transferring own own car insurance to it, we rang and asked for info, was told it's x Euro and we send, thanks for the info have a nice day.

You were given a quote for the transfer and said you would send it. Also, where did they get the reg number?