I requested for my girlfriend to be added to my comprehensive car insurance they advised they would contact me how to pay, this was not received by me the first I heard was that the whole policy was cancelled from the 1st of September leaving me with no insurance and unable to drive my car. The policy was due for renewal in October as I paid the full amount they refunded 2 months money. As the policy did not run full term I have lost one years no claim bonus (this would have given me 2 years ncb) I have had to take out another insurance which I am sure would have been less cost with the addition of the claim I am a young driver
So you are saying that you askedfor your girlfriend to be added to the policy and they added her and told youthat they would be in contact with you but they didn't.
They now maintain that you didn'tpay so they cancelled the whole policy?
Is that it?
The first thing I would say isthat this is most, most unusual. I have been insured for a long time andwhenever I have made any amendments they have always told me there and then onthe phone exactly how much it was going to cost and they have insisted that Ipaid them and then over the phone.
I have three car policies and tomotorcycle policies running concurrently and it is always the same because I dohave motorbikes a couple of classic cars which do tend to come and go as moodstake me so I will change car or motorcycle details probably twice a year atleast. I recently added another driver and my experience was exactly the same.
It also seems most odd that theycancel the policy with only two months to go.
I assume that there was no misdeclarationwith regard to your details or your girlfriends details or anything else
Assuming that there is nothingelse whatsoever to do with this, I think you have a substantial claim to maketo the Financial Ombudsman and I would want them to compensate me for the extracost on the new policy and I would want them to reinstate my no claims bonusand provide proof of it.
I will tell you that theFinancial Ombudsman is not quick so the sooner you get your complaint in thebetter.
There is one thing which I musttell you and which is essential that you bring to the attention of the newinsurer if you have not done already when you bought the new insurer and isthat is that it is a standard question they ask as to whether you have hadinsurer and is cancelled. It is absolutely essential that you tell them thecircumstances of the previous cancellation otherwise you may get this policycancelled also which are really, you don't want. The chances are that it willmake no difference now but it can make a difference if you don't declare andthey subsequently find out, particularly when you come to make a claim if thatunfortunate thing happens.
I was 15 years in the insuranceindustry before the legal profession so I can speak with some experience ofthis from the other side of the fence
Incidentally, just in case I haveany experience of it, which insurance co is it?
Does that answer the question? Can I assist further or answer anyspecific queries?
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