Free Traffic Legal Advice
General discussion => The Flame Pit => Topic started by: Londoner on February 28, 2024, 12:46:30 am
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but you open the door to driving whilst uninsured
What about the letter from the Met saying they aren't going to pursue that? And that once there is insurance in place they'll remove him from the database of uninsureds?
AND - importantly when you're asked 'have you had insured refused or cancelled etc' you have to answer honestly. They're possibly trying to screw you?
The honest answer is "no".
And if this
I'm having to take out a brand new policy to start immediately, which is always more expensive than paying say 2 weeks before the start date.
means he has now got insurance, with the same provider, they knew all the facts.
I'd take the refund, and keep schtum, no complaints, no cage-rattling, because despite the price rises (which would have happened anyway) he's got away with not paying for insurance for several months. I'd also heave a sigh of relief that I'd not had an accident or claim during that time, and switch insurer at the next renewal.
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I don't see how it was either refused or cancelled. That's a question you really don't want to answer yes to.
I missed the post where the OP had asked for a refund? I assumed s/he actually wanted confirmation of cover....which hasn't happened as it wasn't in place!
This is for a policy cancelled or refused by the insurer, not instigated by yourself saying "I wish to cancel". You can cancel a policy yourself, and you don't need to answer yes to this question.
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I don't see how it was either refused or cancelled. That's a question you really don't want to answer yes to.
This is for a policy cancelled or refused by the insurer, not instigated by yourself saying "I wish to cancel". You can cancel a policy yourself, and you don't need to answer yes to this question.
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It certainly wasn't refused. Cancelled? You can't cancel a policy that never started...
Your confidence in insurance companies applying logic, honesty and integrity for several year's hence is much greater than mine. Please yourself.
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It certainly wasn't refused. Cancelled? You can't cancel a policy that never started...
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I don't see how it was either refused or cancelled. That's a question you really don't want to answer yes to.
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Thanks all. I've solicited the help of ChatGPT to draft a strongly worded letter. In the meantime, the insurer has sent me a full refund. Do you think that in any way weakens my case against them?
Yes -if they've refunded in full de Facto, you weren't insured. I'd refuse it and carry on as you were? Great to get the money back - but you open the door to driving whilst uninsured AND - importantly when you're asked 'have you had insured refused or cancelled etc' you have to answer honestly. They're possibly trying to screw you?
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Thanks all. I've solicited the help of ChatGPT to draft a strongly worded letter. <...> Do you think that in any way weakens my case against them?
Most likely
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Thanks all. I've solicited the help of ChatGPT to draft a strongly worded letter. In the meantime, the insurer has sent me a full refund. Do you think that in any way weakens my case against them?
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I've not checked if it's gone up but the ombudsman fee was £750 a couple of years ago.
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If they refuse to do this at the early stages of a complaint, they may back down towards the end. AFAIK it costs the insurer money to go to the ombudsman, same as the banks, so if they've got a weak case they may (hopefully!) just sort you out if they can see you're not going to back down.
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I am in concurrence with Andy. They ought to institute the policy you bargained for (and probably give you a gesture of goodwill).
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If they charged you for insurance and failed to "do the needful" at their end, as far as I am concerned, you had a contract for insurance with them, and they need to honour their side of the bargain - IOW provide the insurance that you paid for for the price you paid for it.
I would suggest submitting a written complaint - with the word "COMPLAINT" in bod at the top, and if they don't play ball complain to the ombudsman.
N.B. Thread moved to Flame Pit as it is not an active criminal case.
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Thanks for your reply. I did mention that the full charge is showing on my cc statement.
I actually just got off the phone with them, and they've confirmed my suspicion. They acknowledged they took payment but that I didn't have an active policy.
Shockingly negligent.
I am now, as a direct result out of pocket, not only because premiums have been skyrocketing but also because I'm having to take out a brand new policy to start immediately, which is always more expensive than paying say 2 weeks before the start date.
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You don't mention if you checked your CC statement or not. Did they definitely charge your new card with the full value of the policy?
Was this paid by the card issuer?
As it appears from the letter that the Met are not going to take further steps in this instance, your only priority currently is to contact the insurance company and not use the vehicle until you have. All other indignation can be put on hold until you get the issue sorted and find out what happened.
You can also browse their site and see if you can find where you direct complaints. The normal escalation would be their complaints procedure first, followed by a complaint to the financial ombudsman.
https://www.financial-ombudsman.org.uk/consumers/how-to-complain (https://www.financial-ombudsman.org.uk/consumers/how-to-complain)
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Assuming this isn't a common occurrence, but figured this is the most suitable sub-forum to post in. Happy to be corrected.
I recently received the below letter from the Metropolitan Police saying that I was seen driving (my) "uninsured vehicle". I checked on askMiD and to my utter surprise it was indeed showing as uninsured.
So I immediately tried logging in to my account with my insurance provider, but the login failed, as if no account existed. My renewal was due several months ago and was paid in full, and is showing on my credit card statement.
My current assumption is as follows. When my insurance was up for auto-renewal I got an email saying that payment failed as the credit card on file was no longer valid and that I should get in touch to provide a new payment card. I did precisely that, however, I suspect they never released the "suspension" on the policy. So in short, they took my money but never issued a policy.
This is of course just my assumption and I'm trying (so far unsuccessfully) to contact my insurance provider to find out what's up. Their phone customer service is dreadful.
In any case I am quite angry that this has been allowed to happen, as this means I have been driving uninsured for several months now. Assuming my assumption is correct, this is an unacceptable error and I am looking to hold the insurance provider accountable to the fullest extent!
I'm curious to hear if anyone here has ever dealt with a similar experience and what plan of action I should be taking. At the moment I'm not quite sure where to start. Would love to hear your thoughts!
(https://i.ibb.co/m8zk0sg/PXL-20240227-170606094-2.jpg) (https://ibb.co/3zh2vXQ)
(https://i.ibb.co/sjq6DMH/PXL-20240227-170635629.jpg) (https://ibb.co/zsZ7L0J)