So you are saying that you asked
for your girlfriend to be added to the policy and they added her and told you
that they would be in contact with you but they didn't.
They now maintain that you didn't
pay so they cancelled the whole policy?
Is that it?
The first thing I would say is
that this is most, most unusual. I have been insured for a long time and
whenever I have made any amendments they have always told me there and then on
the phone exactly how much it was going to cost and they have insisted that I
paid them and then over the phone.
I have three car policies and to
motorcycle policies running concurrently and it is always the same because I do
have motorbikes a couple of classic cars which do tend to come and go as moods
take me so I will change car or motorcycle details probably twice a year at
least. I recently added another driver and my experience was exactly the same.
It also seems most odd that they
cancel the policy with only two months to go.
I assume that there was no misdeclaration
with regard to your details or your girlfriends details or anything else
Assuming that there is nothing
else whatsoever to do with this, I think you have a substantial claim to make
to the Financial Ombudsman and I would want them to compensate me for the extra
cost on the new policy and I would want them to reinstate my no claims bonus
and provide proof of it.
I will tell you that the
Financial Ombudsman is not quick so the sooner you get your complaint in the
There is one thing which I must
tell you and which is essential that you bring to the attention of the new
insurer if you have not done already when you bought the new insurer and is
that is that it is a standard question they ask as to whether you have had
insurer and is cancelled. It is absolutely essential that you tell them the
circumstances of the previous cancellation otherwise you may get this policy
cancelled also which are really, you don't want. The chances are that it will
make no difference now but it can make a difference if you don't declare and
they subsequently find out, particularly when you come to make a claim if that
unfortunate thing happens.
I was 15 years in the insurance
industry before the legal profession so I can speak with some experience of
this from the other side of the fence
Incidentally, just in case I have
any experience of it, which insurance co is it?
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