14 day cooling off period car insurance

badabing106

Hi

I opened policy on June 11, about a week later I received insurance documents and insurance cert of a different person with a different address to my address

A few days later I tried to cancel insurance"cooling off period"via online chat. They said I had to sent letter to Donegal. June 25, I sent letter requesting cancelation. (A bit later than planned).. Where I explained they sent me someone else's fdocuments and to cancel using cooling off period

They received letter June 27, and as that was two days outside 14 day cooling period,They charged 160 euro off my refund


I had no insurance certificate or insurance disc all this time

Surely a policy is not active if you don't have the legal documents or cert to drive the car legally?

coylemj

badabing106 wrote: »

I opened policy on June 11, about a week later I received insurance documents and insurance cert of a different person with a different address to my address

Were the documents from the same insurance company? A bit of a coincidence that the postman delivered those documents to your address - when the documents were for a different person who lived at a different address?

badabing106

coylemj wrote: »

Were the documents from the same insurance company? A bit of a coincidence that the postman delivered those documents to your address - when the documents were for a different person who lived at a different address?

I got a standard letter from the correct car insurance company notifying me that my insurance cert and disc were included

But they were an insurance cert and document of a completely different person

Eggs For Dinner

Sounds like human error in "bagging" correspondence in their post room.

They are correct about the cooling off period passing, but very surprised they would stick to it under the circumstances. As for cover, it was in place, documents or not once it was confirmed to you in some format. I'm sure you would argue that point if you were involved in a big accident

coylemj

badabing106 wrote: »

I got a standard letter from the correct car insurance company notifying me that my insurance cert and disc were included

But they were an insurance cert and document of a completely different person

Ok, human error as the previous poster has said. You might have had a problem if you were stopped by the cops but clearly your policy was in force, all you had to do was send back the cert and disc and they would have replaced them.

Meanwhile you'd have had to avoid parking in a public place because you had no disc but the policy letter they sent you (with your name and address on it) would probably have satisfied the cops at a checkpoint on the basis that they sent you the wrong documents and that you'd be able to produce a cert. with your name on it within 10 days.