Do you have a specific question? Why did you have two policies? Can we have all the background details please? Thank you
As far as was aware I only had one policy I was told by Churcill that I had two! and was coherst in surrendering my policy.
I have been with Churcill for two years with no problems other than mentioned, I have the maximum no claims and conceder to be very carefull driver.
If you only thought that you had one policy I cannot see how you can become worst into surrendering one.
What exactly would you like to know about this?
I never had two policies I was led to believe that I had in order for them to have me return the insurance certificate .
So you are saying that they lied, they said you had to policiesand therefore you must return the certificate so that they could cancel the "extra"policy.
You did not have two policies and they used this to trick you intocancelling the only policy you actually had so that they could avoid payingyour claim? Is that what you are saying?
Is this after the accident?
I find that very hard to believe but I accept what you say. Thereare two issues here. The accident and the policy. The accident happened beforeyou cancelled the policy, they are still under a duty to honour the claim.
Regarding the policy cancellation, clearly this was done undermistake based upon their misrepresentation. Don't try to deal with this on thephone. Put everything in writing on good old-fashioned paper, in an envelope,with a stamp on it. Head the letter "formal complaint" and say exactly what youwant to happen and tell them that unless you get a satisfactory response within14 days, you will refer the matter to the Financial Ombudsman without furthernotice. On the 15th day, write giving precise details, to thefinancial ombudsman.
I will tell you that the Ombudsman is extremely fair, but is notquick.
Can I help further?
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