axa and cancelled car insurance

xxlauraxxox

cancelled car insurance

hey guys raging just came home from 3weeks holidays and found that axa have cancelled my car insurance from 12 o clock tonight ok its my own fault I switched bank accounts and I forget the ring them with new details just wondering now does this mean I wont get car insurance on instalments again and hoe do I go about reteriving my no claims bonus from them I plan paying them the 2months I owe them so it shouldn't affect me should it??ive 5years no claims and need them to get another policy

endacl

I presume you're raging with yourself...?

Your mistake and all that?

Aint Eazy Being Cheezy

If the policies been cancelled you'll have to buy a new one. They'll return your ncb certificate. Its likely they won't accept installments from you in future too, so you might be better going elsewhere.

And ignore the bolox above :rolleyes:

Kopparberg Strawberry and Lime

Ive never gotten a decent quote of axa ever on any car.

I dont like em

Anan1

Ring them straight away and see if you can sort this out. Every ins co asks whether you have ever had a policy cancelled on the application form, so you might well have trouble even getting a quote elsewhere.

dh0011

give them a ring and tell them what happened. They will probably take what they are owed and let the policy continue.

shedweller

Try sort it out with them op. You dont want to have to tick that box for ever more.
I'll say this, they must have it good if they can carry on like that. Most other businesses would be way more accommodating of little mistakes like that. Insurance companies must be rolling in it!!

Anan1

shedweller wrote: »

Try sort it out with them op. You dont want to have to tick that box for ever more.
I'll say this, they must have it good if they can carry on like that. Most other businesses would be way more accommodating of little mistakes like that. Insurance companies must be rolling in it!!

Not paying isn't viewed as a 'little mistake' by any business I've heard of.

myshirt

I have found them a shower of b....

They cancelled a friends with 2 months; his own fault of course; though being reasonable, the man offered to pay up, but nope, they left him short a years no claims, and tagged his record that he'd had a policy canceled.

Only 2 months to go.

laffindevil

Always found them great to deal with & they cover any age car incl jap imports.

Anan1

laffindevil wrote: »

Always found them great to deal with & they cover any age car incl jap imports.

You must be one of those weirdos who pays them on time?

ba_barabus

laffindevil wrote: »

Always found them great to deal with & they cover any age car incl jap imports.

Same with me. Never had an issue. In fact they went out if their way to solve an issue I had.

shedweller

Anan1 wrote: »

Not paying isn't viewed as a 'little mistake' by any business I've heard of.

OP got no letter to say "It appears you are not paying your monthly payments. Would you mind sorting it out" or words to that effect. That would have been an altogether more reasonable approach, given the long repercussions of something so minor. I have received a letter like that before and there was no drama. It wasnt car ins though. Maybe this is something that only happens with car ins?
OP now has to tick that horrible bastid of a box for how long now? Years?

Anan1

shedweller wrote: »

OP got no letter to say "It appears you are not paying your monthly payments. Would you mind sorting it out" or words to that effect. That would have been an altogether more reasonable approach, given the long repercussions of something so minor. I have received a letter like that before and there was no drama. It wasnt car ins though. Maybe this is something that only happens with car ins?

I'd be very surprised if a registered letter hadn't gone to the address on file.

shedweller wrote: »

OP now has to tick that horrible bastid of a box for how long now? Years?

Forever.

Stheno

shedweller wrote: »

OP got no letter to say "It appears you are not paying your monthly payments. Would you mind sorting it out" or words to that effect. That would have been an altogether more reasonable approach, given the long repercussions of something so minor. I have received a letter like that before and there was no drama. It wasnt car ins though. Maybe this is something that only happens with car ins?
OP now has to tick that horrible bastid of a box for how long now? Years?

OP was away for three weeks, it's likely the letter is there amidst all the junk!

I and the OH have been with AXA for a few years, no problems ever with them

bmstuff

They give you 30 days notice with a registered letter after they send you a reminder after 2 weeks. So you have about 6weeks to sort it out. Are you sure it is too late already?

slimjimmc

dh0011 wrote: »

give them a ring and tell them what happened. They will probably take what they are owed and let the policy continue.

[edit]meant to add this first time [/edit]
It might be better to go into one of their branches and speak face to face. It's easier for you to persuade someone and harder for them to refuse you when you're right there.

shedweller wrote: »

OP got no letter to say "It appears you are not paying your monthly payments. Would you mind sorting it out" or words to that effect. That would have been an altogether more reasonable approach, given the long repercussions of something so minor. I have received a letter like that before and there was no drama. It wasnt car ins though. Maybe this is something that only happens with car ins?
OP now has to tick that horrible bastid of a box for how long now? Years?

Failing to pay your motor insurance instalments on time is not minor, it's a serious breach of the agreed contract (the bit where you promise to pay on time) and can have serious consequences resulting in the policy being cancelled in accordance with the contract terms and the law.
Motor insurance is a legal obligation if you want to drive in a public place and insurers must pay out in the event of a claim against an active policy which, I suspect, is why insurers don't tolerate defaults.

xxlauraxxox

got it sorted paid it in full last night online rang them again this morning just to double check cheers for all the advice

650Ginge

xxlauraxxox wrote: »

cancelled car insurance

hey guys raging just came home from 3weeks holidays and found that axa have cancelled my car insurance from 12 o clock tonight ok its my own fault I switched bank accounts and I forget the ring them with new details just wondering now does this mean I wont get car insurance on instalments again and hoe do I go about reteriving my no claims bonus from them I plan paying them the 2months I owe them so it shouldn't affect me should it??ive 5years no claims and need them to get another policy

Where you away for three months? Pretty sure that they would written when the first dd bounced.

I am sure if you ask they will confirm the no claims.