Car insurance provider, cancelling my policy
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What's this about payments in arrears?
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.
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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 I should suspend the policy and continue to pay it.
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| 12-8-2010 | Good post. Before getting insurance you need to check the details of the insurance schemes or policies where you can choose the suitable insurance. Even if you don’t driver you car or drive for one day the car insurance for single day or for one day is really a great idea where you can save money for car insurance and so you need not pay for whole month as you drive for single day or so. Canceling car insurance is also quite easy and at first you need to consult with the insurance company or insurance agent which makes it easier for process. onedaycarinsure.co.uk | Daisy Jones |
| 03-7-2010 | I came to the end of my insurance year, shopped round for a cheaper quote got one with another company. Now I have just received a debt collectors letter for 182.00 from the old company Auto Direct for insurance I didn't agree to! How can they do this! | Mrs A |
| 09-6-2010 | I am currently having a huge arguement with Swinton over car insurance..... I called one saturday morning, and was assured that the policy was cancelled and that I was to cancel my direct debit asap... which I did.
On the Tuesday after, I then found that they still managed to take the money, I then spoke to my bank about the matter and they told me that the the insurance company was in the wrong, it was a mistake and that the money would be refunded to me.
So on that day, I called Swinton again and they told me that the poilcy HADN'T been cancelled, so the man sorted it out for me, cancelled the policy, and informed me of a small charge. So that (as far as I could see) was the end of it...
Today I received a letter informing me that I was in breach of my contract for not paying my last instalment [the instalment AFTER the policy was cancelled] and that if I didn't pay up in 14 days, they would take me to court.
Like you, I have also sold the car and simply do not have the funds they are demanding from me!!
So confused ...!! | Aamirra |
| 29-1-2010 | Today my insurance company want to charge me £222.63 for cancelling my insurance. I dont see how I should have to pay this. yes £50 for the actual cancellation fee but not the rest. I have cancelled my direct debit so no more monies can be taken by them. Will this mean I will be black listed? | Mazza |
| 03-3-2009 | 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 |
| 17-9-2008 | 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 |
| 28-8-2008 | 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 |
| 28-8-2008 | Actually, one more thing... I'm a complete idiot! Thanks. This really will be the last post now. | alaneroberts |
| 27-8-2008 | 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 |
| 27-8-2008 | 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 |
| 26-8-2008 | 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 |
| 23-8-2008 | 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 |
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