Car insurance policy

Nmcg94

Hi when I was getting a policy on my car open cover was a extra in my policy when I turned 21 in 2 months so that's y I picked that policy now that I'm turning 21 in 2 days my company just told me I am no longer able to because the insurance company don't allow it anymore ?? Are they aloud do this even tho I was told over the phone and on paper (my contact/policy ) that I have it ?

To Elland Back

Yep, every year is a new contract with cover and premium to be negotiated and agreed

Nmcg94

To Elland Back wrote: »

Yep, every year is a new contract with cover and premium to be negotiated and agreed

So do they have to stick to the contract I signed up with at the start of the year ?

slimjimmc

Nmcg94 wrote: »

So do they have to stick to the contract I signed up with at the start of the year ?

The first sentence in your OP is not clear what with the lack of punctuation but I think you're asking can contracts change from year to year. Insurance policies last 1 year so they must comply with the contract until it expires. When you go to renew a policy you enter into a new contract and whatever terms and conditions accompany the new contract. Just because an option was available to you last year doesn't mean it's available to your next policy.

Nmcg94

slimjimmc wrote: »

The first sentence in your OP is not clear what with the lack of punctuation but I think you're asking can contracts change from year to year. Insurance policies last 1 year so they must comply with the contract until it expires. When you go to renew a policy you enter into a new contract and whatever terms and conditions accompany the new contract. Just because an option was available to you last year doesn't mean it's available to your next policy.

Right i will try to explain a bit better when I was shopping for insurance in February I was looking for a quote that had open drive so I was insured to drive other peoples cars aswell .. 1st Ireland have me a quote that had open cover included as a extra but they said it wouldn't start until I'm 21 which is in 2 days now so I emailed them yesterday asking is there any restrictions to what I can drive ( engine size ect ) on other peoples cars and they emailed me today saying they no longer let people drive other people cars when your are 21 .. But the contract I signed in febuary said I could so I'm trying to figure out have I grounds to argue with them since it was stated I could when I signed the contract and did not contact me to tell me otherwise until I emailed them yesterday

Roselm

Nmcg94 wrote: »

Right i will try to explain a bit better when I was shopping for insurance in February I was looking for a quote that had open drive so I was insured to drive other peoples cars aswell .. 1st Ireland have me a quote that had open cover included as a extra but they said it wouldn't start until I'm 21 which is in 2 days now so I emailed them yesterday asking is there any restrictions to what I can drive ( engine size ect ) on other peoples cars and they emailed me today saying they no longer let people drive other people cars when your are 21 .. But the contract I signed in febuary said I could so I'm trying to figure out have I grounds to argue with them since it was stated I could when I signed the contract and did not contact me to tell me otherwise until I emailed them yesterday

Well if it was an extra that you have already paid for I would expect that extra money back anyway.

To Elland Back

Nmcg94 wrote: »

Right i will try to explain a bit better when I was shopping for insurance in February I was looking for a quote that had open drive so I was insured to drive other peoples cars aswell .. 1st Ireland have me a quote that had open cover included as a extra but they said it wouldn't start until I'm 21 which is in 2 days now so I emailed them yesterday asking is there any restrictions to what I can drive ( engine size ect ) on other peoples cars and they emailed me today saying they no longer let people drive other people cars when your are 21 .. But the contract I signed in febuary said I could so I'm trying to figure out have I grounds to argue with them since it was stated I could when I signed the contract and did not contact me to tell me otherwise until I emailed them yesterday

Open drive does not let you drive other people's vehicles. I think you are talking about the Driving of Other Cars extension. If you have it in your contract (policy schedule & certificate) then you have it. Without it stated on your documents, then you don't have it

Nmcg94

To Elland Back wrote: »

Open drive does not let you drive other people's vehicles. I think you are talking about the Driving of Other Cars extension. If you have it in your contract (policy schedule & certificate) then you have it. Without it stated on your documents, then you don't have it

Yes sorry that's the one I have on the policy but there saying I can't do it now as the provider changed there rules about the age limit ?