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What to do ?

  • 11-05-2012 11:20am
    #1
    rx8
    Registered Users, Registered Users 2 Posts: 1,853 ✭✭✭


    Hope this is the correct place to post this, looking for some advice on what to do next...

    My friend got a phone call from his Insurance company yesterday, telling him that his premiums had not been paid for something like 8 months. He has just received his renewal notice from them this week, and I think that is when the problem has come to light.

    He signed up to pay his premiums through a payroll deduction scheme in work last year, and apparently didn't notice that the deductions stopped after about 3 months. The guy on the phone tells him that the amount due is €1600 but he would be prepared to settle for €1300, if he pays up now.
    (The premium is to cover 2 cars and also his house insurance.)
    It's a lot of money to suddenly be demanded of you, and even if he does the payroll deductions again, it will be for 2 years worth of premiums, and come to about €90 a week from his wages.

    Should he just tell them to take a hike, and go elsewhere for his insurance, or try and negotiate a better deal / repayment plan.
    He does have the renewal paperwork, so he could realistically move insurance company.

    Does the insurance company have grounds to take him to court even, or what can they do if he just walks away ? Suggestions ?


Comments

  • #2
    whomitconcerns
    Registered Users, Registered Users 2 Posts: 4,396 ✭✭✭whomitconcerns


    so hes driving with no insurance for 6 months? or are tehy saying he was insured for last 6 months and somehow they didnt bother charging him?


  • #3
    rx8
    Registered Users, Registered Users 2 Posts: 1,853 ✭✭✭rx8


    whomitconcerns wrote: »
    so hes driving with no insurance for 6 months? or are tehy saying he was insured for last 6 months and somehow they didnt bother charging him?

    No, they never said that he wasn't covered, they just phoned to try to get him to pay for it.


  • #4
    Anan1
    Registered Users, Registered Users 2 Posts: 22,815 ✭✭✭✭Anan1


    Your friend should be delighted that he got free credit and a €300 discount, and embarrassed that he never noticed. Tell him to cop on and pay up now.


  • #5
    MugMugs
    Registered Users, Registered Users 2 Posts: 17,875 ✭✭✭✭MugMugs


    This

    Is the moral and correct way of dealing with it.
    Anan1 wrote: »
    Your friend should be delighted that he got free credit and a €300 discount, and embarrassed that he never noticed. Tell him to cop on and pay up now.

    This

    Is the way it will go is he doesn't. And believe me, Declaring a cancelled policy doesn't come cheap, not declaring and getting caught is even more expensive.
    OSI wrote: »
    Well, if he doesn't pay for it, 2 things can happen.

    1: They can make use of a debt collection agency to come looking for the money.

    2: They can backdate the cancellation of the policy to the last time he was covered by payments, which would in affect mean he was uninsured for a large portion of time. It will also make getting insurance more difficult as he will have had his policy cancelled for non-payment.


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