Insurance renewal quote- that's not my car!

jaffa20

So, my insurance is up for renewal soon. My car was rear ended a few months back and i hired a car for a week while it was being repaired. As i only had tpft, i had to upgrade to fully comp for 5 days. I paid my insurance company 75euro to do this. My insurance company told me to ring them after the 5 days just to confirm that i was switching back to my permanent car. I did this and they said that was all fine.

Today in the post i received a comprehensive renewal quote for the hired car:eek:

I couldn't believe it. I was probably driving uninsured for the last few months without realising it. I understand that even if i was on fully comp on the hired car, i would have been covered to drive my own car but i'm only 24 and have had my full license for under a year so maybe not.

I was just in shock and when i rang the insurance broker they said it was probably a clerical error. They said the would have to check with the actual insurance company to see what happened and would ring me right back. Nothing has happened yet. I don't even know if i'm insured right now to drive my car.

I think this wasn't a clerical error at all and they will probably will never admit that i wasn't insured at all. I don't think i'll be renewing my policy with them to say the least unless they can offer a very good premiuim.

Voodoomelon

Even if you had comprehensive cover on the hired car all this time, you wouldn't be insured on your own car as it wouldn't have had an insurance policy on it.

privateBeavis

I had a similiar-ish experience with my insurance couple of years ago, it was coming up to renewal time and I got all the documentation saying I would be renewed automatically if I didn't contact them... so I assumed my policy would be renewed. Anyways a couple of weeks later I rang them (can't remember why now, maybe I have sixth sense ) but they told me my policy wasn't renewed because "I rang them" to canel it.... whaaaa I think would have remembered that! So I just said feck off to them (ok maybe not exact words) and got insurance elsewhere! But I'd been driving for a week or two uninsured!!

mickdw

This cannot happen generally because when you do a temporary transfer, they always in my case insist on a time period for the transfer. So for example if I was having my car repaired and wsnt sure if it would take a day or a week, they will always say that they will put cover in place for 1 week and then call them to extend or reduce the length. If they were to do a permanent transfer by mistake, you should then have received the new cert in the post with the hire car reg on it.
I always insist on getting a fax copy of the change or else call into the office and pick up something with the details on it.

jaffa20

mickdw wrote: »

This cannot happen generally because when you do a temporary transfer, they always in my case insist on a time period for the transfer. So for example if I was having my car repaired and wsnt sure if it would take a day or a week, they will always say that they will put cover in place for 1 week and then call them to extend or reduce the length. If they were to do a permanent transfer by mistake, you should then have received the new cert in the post with the hire car reg on it.
I always insist on getting a fax copy of the change or else call into the office and pick up something with the details on it.

Yeah, that's what i would have thought. I got an invoice in the post for the temporary comprehensive cover on the hired car which had a start and end date. Still, why would they send out a renewal for the hired car? They did ask me for all the details of the car at the time and everything as if i was changing cars but it was clearly only meant to be for 5 days.

jaffa20

Was just on to my broker again because they didn't call me back. I was told earlier that the broker had all the right details of my own car but was told they would check with the insurance company themselves to see if everything was correct on their side and it was probably just a clerical error.

When i just called i wasn't really told anything and i'm really annoyed. It was referred to the insurance company just like i was told earlier and i would get a call back in the morning now because they are closed.

I asked if i was currently insured on my permanent car and they said yeah. How can they confirm that if they need to double check with the insurance provider?

Voodoomelon

Voodoomelon wrote: »

Even if you had comprehensive cover on the hired car all this time, you wouldn't be insured on your own car as it wouldn't have had an insurance policy on it.

That depends entirely on the insurance company. My insurance company will give me third party cover on a non insured car. The caveat is usually that the car cannot be registered in you or your spouses name.

OP I'd say you're ok. I'd say it was an error in the brokers office but the insurance company likely have the correct details.

jaffa20

Deleted User wrote: »

OP I'd say you're ok. I'd say it was an error in the brokers office but the insurance company likely have the correct details.

Yeah maybe but the renewal letter they forwarded me was from the Insurance company which had the hired car on it. Kind of weird.

MarkN

You're still insured, they just have the wrong car down.

You've paid, you've a cert for the right period of cover, it's grand.

Still an annoying mistake though... my broker had me down as an Audi A3 for a couple of weeks and it should have been an Audi S3.

I'd still chase them up for it but I wouldn't worry about it, hardly your fault.

CoDy1

Did they ever send you a new Cert & Disc for the hire car? If not, it was more than likely a clerical error and the temp sub automatically transfered back onto your original vehicle but the details remained on the system.

If you deal with a broker they will have a record, either email or memo requesting the Temp Sub with the insurance company so if anything had happened, that would have been your back up.

boomer_ie

privateBeavis wrote: »

I had a similiar-ish experience with my insurance couple of years ago, it was coming up to renewal time and I got all the documentation saying I would be renewed automatically if I didn't contact them... so I assumed my policy would be renewed. Anyways a couple of weeks later I rang them (can't remember why now, maybe I have sixth sense ) but they told me my policy wasn't renewed because "I rang them" to canel it.... whaaaa I think would have remembered that! So I just said feck off to them (ok maybe not exact words) and got insurance elsewhere! But I'd been driving for a week or two uninsured!!

Similar experience except it was 6 months before I found out, thank heavens I wasnt in a crash in the meantime!

jaffa20

Sorry to drag up old my thread but guess what happened again...you got it.

Renewal notice again today with my old A3 on it and the premium for it was ridiculously high. Can't wait to see what they are going to quote me on the mx-5 i have been driving since june.

To make the same clerical error a year ahead is bloody annoying. Now i'm gonna have to wait another week to find out what the renewal quote is. Can't understand why they can't tell me over the phone. When i rang, the guy didn't even apologise and just said he'd look into it. Suppose it was nearly hometime.

In fairness, they gave me a good discount over the error last year when i complained...Hmmm