Insurance company cancelled my policy

Xcellor

So I received a letter yesterday stating that my motor policy was cancelled and for the last few days was driving my car uninsured. I had received a letter at the start of July saying they hadn't received my direct debit and to send on or they would cancel. I did so and heard nothing until the letter yesterday.

When I phoned I was told there was nothing that could be done. It was cancelled and they couldn't even make a new policy because previous had been cancelled... After couple of requests to speak to a manager I finally get to put through a new quote which is 100 euro more expensive since I lost my "loyalty bonus".

Yesterday afternoon I missed a callback so phoned back and was told that they found the paper work I submitted and would refund me the extra...

I am livid as their sloppiness resulted in me unconsciously breaking the law and other personal distress. It is quite distressing being told that you can't drive your car and would have to wait 48 hours for a call back. I think some good will should be offered from the company

Dial Hard

These thinga happen. It's been sorted and no harm, no foul, imo. If you'd had a tip of some description while you were technically uninsured I can see why you'd be annoyed but as it stands, I see it as a case of all's well that ends well. I suspect you're angling for some kind of compensation for "the stress" or somesuch, though, no?

gwalk

perhaps a nice bumper stciker or something? or furry dice for your car?

financial compensation would be ludicris and undserved

Xcellor

Dial Hard wrote: »

These thinga happen. It's been sorted and no harm, no foul, imo. If you'd had a tip of some description while you were technically uninsured I can see why you'd be annoyed but as it stands, I see it as a case of all's well that ends well. I suspect you're angling for some kind of compensation for "the stress" or somesuch, though, no?

The first agent hung up on me. The second agent multiple times told me there was nothing that could be done. The treatment of a customer was disgraceful and then it turns out to be their own incompetence. They were quite happy to penalize me over 100 euro why shouldn't there be some good will a proper apology at the very least.

Samuel T. Cogley

Complain to the Ombudsman.

endacl

I think you should get a bajillion euros and a lollipop.

Poor you.

Xcellor

gwalk wrote: »

perhaps a nice bumper stciker or something? or furry dice for your car?

financial compensation would be ludicris and undserved

Just an apology and someone review the handling of the case would be nice.

emeldc

gwalk wrote: »

perhaps a nice bumper stciker or something? or furry dice for your car?

financial compensation would be ludicris and undserved

See some lad up the north got £10k because he was upset at having to work in the same building that had a picture of the Queen. Just sayin'.

gwalk

emeldc wrote: »

See some lad up the north got £10k because he was upset at having to work in the same building that had a picture of the Queen. Just sayin'.

That doesnt mean its deserved in this case, 'Just saying

Loweface

Be careful to get it in writing that the policy was not cancelled.

Insurance companies in the future could try hold this against you.

dudara

Loweface wrote: »

Be careful to get it in writing that the policy was not cancelled.

Insurance companies in the future could try hold this against you.

^This. This is very important. You do not want to have a cancelled policy on your record.

Harry Palmr

Which company was it? I'll avoid them.

antix80

F****** hell. You're having a laugh? Have a drink and get over it.

dudara

^^actually, I’d take it quite seriously, at least until I knew that this cancellation has no permanent effects. If you have a cancelled policy on your record, it can cost you a fortune in future policies, or even result in insurers refusing to cover you.

Harry Palmr

antix80 wrote: »

F****** hell. You're having a laugh? Have a drink and get over it.

Driving without cover is a criminal offence and a massive additional stress if you are hit by someone uninsured.

The high horse brigade

Loweface wrote: »

Be careful to get it in writing that the policy was not cancelled.

Insurance companies in the future could try hold this against you.

Exactly this as you will be asked the question if you've ever had a policy cancelled on you when you take out a new policy with an insurer

lawred2

gwalk wrote: »

perhaps a nice bumper stciker or something? or furry dice for your car?

financial compensation would be ludicris and undserved

Sup bro!

lawred2

As for the OP, is it now on your record that you've had insurance cancelled? I'd be trying to get that struck off if I were you and not be concerned about loyalty bonuses or compensation of any variety

wylo

Harry Palmr wrote: »

Driving without cover is a criminal offence and a massive additional stress if you are hit by someone uninsured.

FWIW I really doubt you would have been prosecuted due to you genuinely having no reason to believe you were uninsured.

Eggs For Dinner

None of this would have happened if you had honoured the financial commitment you had made with your insurers

The high horse brigade

Eggs For Dinner wrote: »

None of this would have happened if you had honoured the financial commitment you had made with your insurers

It's not always like that. I got a missed payment notice from Vodafone a few months back with money in the account which after investigation turned out they didn't put in for it.

Insurance companies are notorious for just cancelling policies. Quinn did the same to me years ago without any notice of the missed payment

Eggs For Dinner

The high horse brigade wrote: »

Insurance companies are notorious for just cancelling policies. Quinn did the same to me years ago without any notice of the missed payment

And many policyholders are notorious for breaking their repayment agreement and ignoring correspondence that comes in from their insurers as a result. In this instance, the OP seems to have omitted a step in the correspondence he would have received. There is no way it went from 'pay your arrears or we will cancel', to receiving a letter that said he was cancelled resulting in him driving around for the last few days uninsured.

He would have received a letter advising him that his policy will be cancelled with all cover ending in 7/10 days time (depending on the policy wording).

The high horse brigade

Eggs For Dinner wrote: »

And many policyholders are notorious for breaking their repayment agreement and ignoring correspondence that comes in from their insurers as a result. In this instance, the OP seems to have omitted a step in the correspondence he would have received. There is no way it went from 'pay your arrears or we will cancel', to receiving a letter that said he was cancelled resulting in him driving around for the last few days uninsured.

He would have received a letter advising him that his policy will be cancelled with all cover ending in 7/10 days time (depending on the policy wording).

You'd expect that but exactly this happened me with Quinn may years ago. No contact, no letter, no previous missed payments. Just a letter to say my policy was cancelled over a missed payment which also stated that they had send a copy of the letter to the Gardai

Eggs For Dinner

The high horse brigade wrote: »

You'd expect that but exactly this happened me with Quinn may years ago. No contact, no letter, no previous missed payments. Just a letter to say my policy was cancelled over a missed payment which also stated that they had send a copy of the letter to the Gardai

The cancellation letter would have been by registered letter to the last known address they have for you. The condition only obliges them to send it, they don’t need to ensure it has been received. Quite often people move address and and don’t inform their insurers

Also, Insurers don’t send a copy to the Gardai, they send it to the Department of Environment