insurance cancelled!!!

[josh h]

hi people

im after a bit of advice on insurance

basicaly my misses borrowed her mums car an took her own insurance policy on it, paid a deposit, everything ok, they said all she had to do was send them profe of her no claims.
so she then rung the insurance company that we have our car insured with to get the profe of no claims and they said no because you cannot use it on both cars.

now when she rung back the insurer of her mums car they cancelled the policy and have told her she has to pay £90 to cancel the policy:ack2: because you cannot use no claims discount on 2 policy's.

i really do not see why we should have to pay, its not our rule, we didnt want to cancel the policy.
so guys/girls any advice, where do we stand with it??????????

sorry for the long post:)

[Eckchaz]

Thats true mate.. you cant use the no claims on two cars.. its also tied in to the main driver (whish I presume was your misses mum not her), This also goes for those stupid Admiral multi car policies and 1 year no claims for 10 month policies.. its all misleading and only really works with the same insurer (basically to get you with them and hit you on renewal.. then you find the new company wont take 10mths bonus as a year etc)

How long have you had this policy.. you usually have a 7-14 free cancellation.. if your over it then your buggared as it fall into the short term cancellation and you will have to pay the £90.

Whats more worrying to me is that you say she borrowed her mums car and got her own insurance on it.. make sure your misses IS the registered owner (on V5) and not just the keeper as most insurers wont touch it or they charge a stupid premium... Because if your misses wrote off the car in an accident.. she wont get a penny and be done for driving without insurance!

[acwman]

[QUOTE=jjh23;710034]
i really do not see why we should have to pay, its not our rule, we didnt want to cancel the policy.
so guys/girls any advice, where do we stand with it??????????

sorry for the long post:)[/QUOTE]

Its quite usual that you cannot use your no claims on two vehicles at the same time, though some insurance companys [B]may[/B] 'mirror' a ncd on another vehicle.

Guessing that you did not want to pay the full premium without the ncd hence they cancelled it?

[sacko]

You can't/shouldnt insure a car that you aren't the register owner of?

Think you're going to have to fork out.

[josh h]

they are just robbin bas***ds as far as im concerened:mad::cuss:

THE CAR WAS PUT IN MY MISSES NAME AND DONE LEGALLY.

as for all the little "small print" if you like to call it that, like you pointed out eddie, how do we know stuff like this unless its happened to you/us because they dont tell us when we say we will have the policy.

so at the end of the day she will have to lump it and pay the £90
ah well swinton goes on the list of not to use insures then lol:)

id rather burn the cash than pay them ha ha ha

cheers guys :cheers2: :)

[sacko]

[url=http://www.swinton.co.uk/terms/]Swinton - Terms and Conditions[/url]

Says £50 here, unless they have also charged you for a few days/weeks insurance too.

[Mark_T]

[QUOTE=jjh23;710034]so she then rung the insurance company that we have our car insured with to get the profe of no claims and they said no because you cannot use it on both cars.[/QUOTE]

Just one last hope, with your current car, who is the policy holder and who is the named driver and who are you insured with?

[josh h]

:cheers2: cheers for that paul i will speak to her in the morning she gone bed now, it also says they will still charge £50 if its within 14 days of taking out the policy which kind of takes away the point of the 14 day cancel period.

i will find out more in the morning i said id ask on here before ringing them back
but seems she will have to pay up an smile. :)

[josh h]

[QUOTE=Mark_T;710054]Just one last hope, with your current car, who is the policy holder and who is the named driver and who are you insured with?[/QUOTE]

misses is policy holder, i am named driver with churchill (i think)

[Mark_T]

[QUOTE=jjh23;710056]misses is policy holder, i am named driver with churchill (i think)[/QUOTE]

Talk to Churchill and see if they will switch you to the policy holder and mirror the NCD, if you've been together on that policy for some time they may be willing to do that. Check the costs though as it may increase your premium.

If so that would leave your wife free to take her NCD to the new car. Be very careful though to make sure they are mirroring the NCD not switching it from her to you or she will still not have anything to take with her.

You may have to insure the new car with Churchill as an incentive to them to do it, but it may be worth it.

Also be aware that you were also moving into a danger zone with the original plan you had as if your wife was claiming to be the main driver on the original car and also on the new car when in reality you would become the main driver on the original car you are giving the insurance company an easy route to challenge any claims you might make in the future.

[josh h]

umm sounds a bit of a mission :)

think will just pay up and forget it :)

not sure what you mean about our existing car and policy. i only drive our car at weekends because i walk to work, only takes about 3 minutes :)

im a car mechanic/mot tester so no dodgy insurance for me i need my license :)

[Mark_T]

Insurance companies are naturally suspicious when someone claims to be the main driver on multiple cars which have other named drivers on the policy.

As long as you can show it is true that is fine, just be prepared for the question if it ever comes up.

[Paul Kimber]

[FONT=Calibri][SIZE=3]I do believe that as insurance is classed as a financial product you have a legal right to a 14 day cancellation period, also known as cooling off period. If you haven’t needed to use the policy (i.e. made a claim) then no money is payable.[/SIZE][/FONT]

[Dedcalm]

I use a broker (A-Plan Basingstoke for the UK cars and Thatcham for the imports in my case) who have looked after my policies on multiple cars for years. They arranged mirrored cover and moved my NCB's around when I got a 2nd car to ensure I got the best deal on all cars covered. Hope you get it sorted out...

[Mslater]

I've fallen in a similar hole recently but I have found out that the policy cancellation charges do apply after 14 days. HOWEVER the policy is opened subject to documentation being approved so it may be possible to show that the policy should not have been continued and that Swinton were wrong to allow it to go beyond 14 days. Also if the insurer cancels the policy rather than you then you may not be liable for any charges.

I'm still fighting my company who I think mis-quoted deliberately to get the policy price, then made charges due to their mistake.