cancelled insurance

kollegeknight

Hi folks,
My girlfriend had the car insurance cancelled yesterday.
We moved house but never changed address and when she popped up for letters, she found two to say her account details for the direct debt were wrong and they cancelled her policy.

We spoke to the company, explained the situation and were willing to pay the 100e that was in arrears and even pay out the policy but they said no.

Now she cant get insurance because she had a policy cancelled... not even as a named driver under me.

Does anyone know an insurer?

Can anyone give advice on how to proceed from here?

Does anyone know how long does this mark go against her?

Any help would be great.

Thanks,
Denis

Vicxas

Who were you with?

kollegeknight

nononsense

Vicxas

Try Quinn, they seem to be the place to start off after any insurance SNAFU

jippers87

kollegeknight wrote: »

nononsense

Pretty ironic, eh :cool:.
I had a policy cancelled due to unpaid dd a few years ago with Hibernian (now Aviva).
They refused to accept payment and continue that policy but they allowed me to start another one, although that did of course cost me more in the long run!

kollegeknight

thanks, ill give it a go. appreciate the help.

illegalmidget

i work in a brokers and we use most major insurance companies.
They shouldnt have a problem if the policy was cancelled due to direct debit defaults.
they only have problems if it was cancelled due to non disclosure of a claim or conviction etc.
Maybe go to a broker id say the most hassle you will get over it is that you will have to pay in full and they wont let you do direct debit this year.

kollegeknight

Thanks very much for that. popping into town in the morning.

MrDerp

And if you don't have the money to buy the insurance, please please please get a loan from your bank or credit union instead of paying 20% odd + admin fee for a direct debit. And next time, put aside a few quid a month as motoring savings. Or next time you're saving for a holiday, save a few quid extra for motoring while you're in the zone.

You shop around to save a couple of hundred quid off insurance, don't hand your savings straight back to the insurer or a bank, and if you have to make sure you're shopping around for the best rate. Any customer with a reasonable standing can borrow a grand or two over a year off their bank or credit union for motoring costs. This is a personal loan, removing any chance of your insurance being whipped off you mid-year too.

Vertakill

MrDerp wrote: »

And if you don't have the money to buy the insurance, please please please get a loan from your bank or credit union instead of paying 20% odd + admin fee for a direct debit. And next time, put aside a few quid a month as motoring savings. Or next time you're saving for a holiday, save a few quid extra for motoring while you're in the zone.

You shop around to save a couple of hundred quid off insurance, don't hand your savings straight back to the insurer or a bank, and if you have to make sure you're shopping around for the best rate. Any customer with a reasonable standing can borrow a grand or two over a year off their bank or credit union for motoring costs. This is a personal loan, removing any chance of your insurance being whipped off you mid-year too.

If you got a loan, you're still going to be paying extra for the interest rates and you're commiting yourself to a year with that insurance company regardless of if your circumstances change.
I know you can cancel your insurance down the line if your circumstances did change, but you get penalised in the form of (I think) something along the lines of a percentage of your remaining time on the policy.

So, is it really that much more beneficial to get a loan out to pay your insurance rather than go via direct debit?
That's a genuine question because I'm not 100% sure. I would've thought they amounted to much of the same.

I've done both methods, more recently direct debit though. But your post got me thinking.

kollegeknight

thanks for that. i have the cash for policy alright. it was always paid in cash before but just this time we decided on dd.
Thanks again for all your help and advice.