Insurance issue

Specialun

Hi

Long story this

I bought a newcar on uk plates..i was given 30 days insurance period tochange over plates....i was up the walls withwork so booked the test..i rang axa and gave the confirm mail..the girl toldme what happens is that the policy stays live up until my orignal date, i get the car on irish plates and add. Again

Today they tell me no the policy iscancelled.

Today while 5 miles from the center inotice a engine light on,smoke and oil seapi g out..i cancel apointment and get car to garage..so turbo isgone

Iring axa to tell them..told toughtitties policy will be canceled..

I have a case open with them already where i wasorignally told policy islive until end of the orignal date and they claim they cant find the recording...again tough is the attitude

They told me three different things..the callhave no notes as ive asked..

I just want peace but there so tricky..am i affected elsewhere if policy is canceled..legally how do i handle them

Sorry about lack of space ..on ipad

Stheno

Your post is confusing what's this original date you are talking about? Is it the renewal date from a policy on another car that you had before?

Specialun

Sorry..my orignal date on my old car was end of feb..i bought the new car 3/4 into my policy

Atlantic Dawn

Rewrite the whole post again it's in bits and impossible to understand what your issue is.

Specialun

I had one car..3/4 way through the policy i buy a new car on uk plates..axa then give me a new disc for 30 days...when i gave them the new reg i ask what happen after the 30 days. Axa tell me the policy remains until the end of feb which was orignal policy date

Two weeks pass and i look to change VRT..the test center gives me my date..i ring axa to tell them as they told me to..the agent this time around says no policy is canceledif the vrt is not changed after the 30 days..i said no the rep. Toldme different so axa say theywill listen to the call

Three days pass and no call..i ring axa to see if any update..alovely polite lady says no..i then ask her the same q..she says the way it works is after the 30 days passes to change vrt tne policy remains live but the uk car cannot be on it..justchange plates and when on irish they re add the car

Today whilegoing to vrt all ready the car breaks down..leaking oil and smoke..i get thecar to the mechanic..

Axa ring telling me the orignal call recording is lost..tough titties the rule is the policy is canceled after the 30 days..isaid i wastold different..zero f.ucks given..they try again for call recording and hang up

Hour later i get the good news that turbo is in need of a job..the part will be few days..

I then ring axa to seewhat. Happens as this brings me close to the 30 day period..im told tough sh!t sort it by the 30 days or the policy is canceled..

Like im trying to be nice but they keep telling me different stuff..zeronotes in the calls and zero respect or understanding

Specialun

Atlantic Dawn wrote: »

Rewrite the whole post again it's in bits and impossible to understand what your issue is.

Sticky ipad

(Not from p.orn)

Stheno

I think the same, it was a condition of extending the policy beyond thirty days that it have Irish plates and op misunderstood and thought it was covered till feb

slimjimmc

Suspend your policy, fix the car, bring it to the NCT centre on a trailer, pay the VRT and get Irish reg. Once you've the car registered you should be able to transfer the suspended policy to it.

Specialun

I asked numerous times what thecase was..even at wkend when i was on the phone my brother heard her tell me no your policy stays live, its the car that is removed and the policy is livewith nothing on it

Even ive asked for recordings but no luck,they claim they cant find any..

Like will the policy been canceled by axa affect me in the future when looking for cover...

Specialun

slimjimmc wrote: »

Suspend your policy, fix the car, bring it to the NCT centre on a trailer, pay the VRT and get Irish reg. Once you've the car registered you should be able to transfer the suspended policy to it.

Ive asked..they wont let me suspend it

challengemaster

What you've described is standard policy with any insurance company - you can get 30 days to register the car properly. If you don't comply within the 30 days they will cancel the rest of the policy and report you to the gardaí / customs. They cannot continue to insure the UK vehicle.

It sounds like you just misunderstood what you were told the first time, because there's no discrepancy between what either of the first two reps told you. If you registered the car within the 30 days and provided them with the new registration, then your policy continues as normal until its expiry date.

The third rep is trying to help you by not letting your policy get cancelled.

The problem here is you not understanding - nobody has told you conflicting information. Legally they're above board in their actions and even trying to accommodate you. So rather than trying to "handle" them, you should have got the car registered when you were required to.

delahuntv

Customs and excise only give 30 days too - after that the car can be taken off you and a fine is issued too.

Its fairly clear.

One option is to have the garage drive the car to get vrt completed or someone with open drive insurance policy.

Then you get Irish reg and call axa with new reg.

Same 30 day policy applies to all insurance companies i think.

Specialun

challengemaster wrote: »

What you've described is standard policy with any insurance company - you can get 30 days to register the car properly. If you don't comply within the 30 days they will cancel the rest of the policy and report you to the gardaí / customs. They cannot continue to insure the UK vehicle.

It sounds like you just misunderstood what you were told the first time, because there's no discrepancy between what either of the first two reps told you. If you registered the car within the 30 days and provided them with the new registration, then your policy continues as normal until its expiry date.

The third rep is trying to help you by not letting your policy get cancelled.

The problem here is you not understanding - nobody has told you conflicting information. Legally they're above board in their actions and even trying to accommodate you. So rather than trying to "handle" them, you should have got the car registered when you were required to.

My brother heard the girl on saturday explain it to me that the policy remains live while the uk car is removed, thus the car has nothing on it..i asked numerous times, ive even askedto get it cleared up by getting the recording..im not trying to avoid the vrt..i booked the test today, mailed the booking confirmation to axa when i booked it..im not saying i didnt misunderstand, of course there is a possibility. I asked numerous reps..ive been told different answers. Axa tell me i am wrong but yet no. Call recording..everybody assumes i heard wrong..but my brother heard her too

Specialun

If my policy is canceled does it affect me when i go to get another one else where

challengemaster

Specialun wrote: »

My brother heard the girl on saturday explain it to me that the policy remains live while the uk car is removed, thus the car has nothing on it..i asked numerous times, ive even askedto get it cleared up by getting the recording..im not trying to avoid the vrt..i booked the test today, mailed the booking confirmation to axa when i booked it..im not saying i didnt misunderstand, of course there is a possibility. I asked numerous reps..ive been told different answers. Axa tell me i am wrong but yet no. Call recording..

You are wrong.

Yes - if you remove the UK car from the policy and insure another IRISH registered vehicle, then the policy will stay active. They cannot continue to insure the UK registered vehicle past the 30 day period. If the UK vehicle is still on the policy after the 30 days, they will cancel the policy to uphold their legal obligations.

So yes - then the UK car will have no insurance on it. But thats your own fault for not registering it within the 30 day period.

Stheno

Specialun wrote: »

If my policy is canceled does it affect me when i go to get another one else where

Yes most insurers ask you to declare if you have had a policy cancelled and why

Specialun

challengemaster wrote: »

You are wrong.

Yes - if you remove the UK car from the policy and insure another IRISH registered vehicle, then the policy will stay active. They cannot continue to insure the UK registered vehicle past the 30 day period. If the UK vehicle is still on the policy after the 30 days, they will cancel the policy to uphold their legal obligations.

So yes - then the car will have no insurance on it. But thats your own fault for not registering it within the 30 day period.

I am wrong it what i heard? How can two people be wrong?


Rep a) policy is canceled
Rep b) no policy is not canceled, the uk car is removed, policy remains live with no car

There different sceniro's so both cannot be right

Specialun

Stheno wrote: »

Yes most insurers ask you to declare if you have had a policy cancelled and why

What if i cancel it? Is it the same

challengemaster

Specialun wrote: »

I am wrong it what i heard? How can two people be wrong?

How: Are both of you are incapable of understanding basic english?

Rep a) policy is canceled
Rep b) no policy is not canceled, the uk car is removed, policy remains live with no car

There different sceniro's so both cannot be right

Apart from that's not what they said.

Rep A) Once you provide the new registration the policy will continue as normal to its expiry date.
Rep Policy is cancelled unless you provide the new registration by 30 days as required
Rep C) If you remove the UK car from the policy then the policy will not be cancelled.

They're not different scenarios, and all of them are right. And what's more is they're trying to help you.

slimjimmc

Specialun wrote: »

What if i cancel it? Is it the same

No, if you cancel that's fine. They're only really interested if another insurer cancels the policy as that may indicate you failed to meet payments or breached the terms of the policy.

Specialun

challengemaster wrote: »

How: Are both of you are incapable of understanding basic english?




Apart from that's not what they said.

Rep A) Once you provide the new registration the policy will continue as normal to its expiry date.
Rep Policy is cancelled unless you provide the new registration by 30 days as required
Rep C) If you remove the UK car from the policy then the policy will not be cancelled.

They're not different scenarios, and all of them are right. And what's more is they're trying to help you.

The rep told me after the 30 days the policy is live..another rep says no its not. Its either live or its not..is it not that simple? Rep c did not state that I remove the uk car..she stated the company does



Why the aggression of asking if i understand basic english? Im looking for advice not an arguement

Surely if i had lets say open driving on another axa customers car..undef one sceniro if policy is gone i lose that right, under the other sceniro of the policy being live with nothing on it I dont..surely that means a yes or no

Specialun

slimjimmc wrote: »

No, if you cancel that's fine. They're only really interested if another insurer cancels the policy as that may indicate you failed to meet payments or breached the terms of the policy.

Thanks

challengemaster

I give up, you clearly can't read.

Specialun

challengemaster wrote: »

I give up, you clearly can't read.

Charming

Stheno

I think you should call them tomorrow, take the car off the insurance before the 30 days are up and see what happens then.

I suspect today they said they would cancel after the 30 days as they may have interpreted you not being able to vrt within the 30 days as you wanting an extension.

Specialun

I did ring them..i asked for an 12 hr extensionto do the vrt at 8am..told nah your alright so i will need to cancel it

Stheno

Specialun wrote: »

I did ring them..i asked for an 12 hr extensionto do the vrt at 8am..told nah your alright so i will need to cancel it

They can't give you an extension at all beyond 30 days, that's out of their control.