Cancelling my car insurance
04-July-2009
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Cancelling my car insurance

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Distinctly Grumpy

After selling my car, recently, I called my insurance provider to cancel the policy.  I had a very lengthy discussion with the customer service advisor about whether or not I should suspend the policy and continue to pay it (remember I don't have the car anymore!) for the outstanding eight months of the policy in order to receive a full refund, or should I just pay their £28 cancellation fee instead.  Well I opted for the cancellation fee and I was duly advised to cancel my direct debit.

Before I paid this I received another letter demanding £72

I received a letter from my insurance company demanding the cancellation fee, but before I paid this I received another letter demanding £72.  This confused me somewhat as it was only 14 days since I'd received the first demand and had received no explanation of this sudden increase in the amount I had to pay.

On inquiry, it turns out I cancelled the direct debit too quickly and in mid payment.  My insurance company told me that I pay on the 27th of each month in arrears, not in advance which seemed strange.  Bear in mind that I cancelled my direct debit on the 24th when I spoke to them.  It would appear that on following their directions I am now in arrears and owe money, with a threatening letter demanding payment within 14 days or risk debt proceedings!

The belligerent side of me is not prepared to be bullied in this fashion.  So although I will still have to pay the amount outstanding(although I am checking to see if this payment in arrears business is correct), it has been put on hold to give me time to receive a written apology which is apparently winging its way to me as I write.

By: Distinctly Grumpy


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In disgust I have finally given up a 3 month battle with Norwich Union over cancellation of car insurance in December 2008.

After cancelling by telephone, I naturally stopped the direct debit. NU then wrote to me in January complaining. I rang their Indian call centre to advise them of their mistake. The robot at the other end could not seem to grasp the simple fact I was not going to pay for insurance I did not want. She insisted I had been covered and must pay. After an hour of arguing and a demand for referral to a manager she finally agreed to 'waive the final installment.'

Three more letters arrived from NU, each demanding payment followed by a threat of court action. I responded to each letter by telephone. Each time I rang I had to go through the situation from scratch and each time they agreed they had "waived the charge" and reassured me "not to worry, you will not receive any more letters".

This Saturday a letter arrived from a debt collection firm, purporting to act for NU. Back to square one as if nothing had happened! All my telephone calls and letters and their bland reassurances were for nothing..

In disbelief I took another zombie at NU through the entire saga and asked if he had any record of all my calls and letters. He then put me on hold while he “checked with a manager”. When he returned and I continued to press him as to why NU had maintained one story for 3 months and then suddenly changed their minds, he simply hung up!

I have never dealt with such an incompetent and useless bunch as Norwich Union. They are absolutely awful and I will never buy anything from them again.
*Santiago  03-Mar-2009 19:07

 
There should be more spot checks by police to make sure people have insurance. If they don't then they should through the book at them and lock them up for a while. It goes without saying, some people are just extremely selfish.
*Kevin  17-Sep-2008 22:02

 
Most people I know have no car insurance. It's just unfortunate if you pay your insurance and you have an accident with a non-payer.

Expect to wait at least three years minimum for any payment due to you other than that of your insurance company for auto repairs or replacement.

I was hit by a non-insured driver, injured my whole family. This was over three years ago now. No sign of any compensation on the horizon to date.
*Ido of Albania  28-Aug-2008 22:30

 
Actually, one more thing... I'm a complete idiot! Thanks. This really will be the last post now.
*alaneroberts  28-Aug-2008 17:46

 
lol, and now you stoop to writing posts yourself in my name, albeit with the capital 'A'. Poor, poor Vince. This is my last post on this matter - any others in my name are . . . . quite sad.
Well, at least you gave me a laugh!
*alaneroberts  27-Aug-2008 10:00

 
Your arrogance reaches new levels. You need to sit down quietly, reflect upon your thoughts, think carefully before you speak, give clarity when you do. No offence, but your level of intelligence seems somewhat lacking. However, I am ever the voice of compromise, and accept that you were not talking about rolling month policies. However, I did respond to your 'general' assertion that no insurance company does not charge a cancellation fee.

On a side note, I strongly suggest that you tone down your 'style' of contribution to this (and other) gripe. You come across . . .somewhat strangely . . . somewhat scarily . . .as a psycopathic (sociopathic?) personality, and I would like to help you . . . I really would . . . :)
*alaneroberts  27-Aug-2008 00:41

 
Vince Watson - 'If you can not relate to the gripe..simple..don't post!' Well, that gave me something to laugh at. What an arrogant, egotistical sod you must be. And, bless your little cotton socks, you are quite wrong. My car insurance is based upon a 'rolling monthly' policy which can be cancelled at any time..simple..I've posted it!
*alaneroberts  26-Aug-2008 14:33

 
To Alaneroberts... You will find that all insurance companies demand a cancellation fee.. If you can not relate to the gripe.. simple..don't post!
*Vince Watson  23-Aug-2008 10:15

 
Why the hell did you take out this insurance in the first place when it demands a cancellation fee of £28? Seems a complete rip-off to me.
*alaneroberts  23-Aug-2008 08:38


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