INS. CANCELLATION :Should i have been informed? NOW RESOLVED

[stirlinggaz]

hi all,
i suppose my question is : does an insurance company have to inform you that your policy is cancelled?
i would have thought so!
heres the facts : i took out a fully comp policy for bike A, then a couple of months later added another bike (for a fee) of same capacity, with same excess etc.
i sold vehicle A to a polish guy who was going to break it up.
i never informed the insurance company (my bad, i know)
i kept vehicle B, in the shed & never took it out.
last week or so i've been moving stuff to my new lock up & decided to put vehicle B back on the road (its still taxed & motd, in fact its done virtually zero miles since mot) so put it all back together & spent yesterday test riding it. (just up & down my street, but still on public roads).
this morning i was looking for my insurance policy papers & decided to go onto ASKMID because i couldnt find them, & was surprised to see vehicle B was not insured!
i then went onto the insurance co.'s website & was greeted with "YOUR POLICY IS CANCELLED"
i never got any letter/email or refund!
i was planning on using the bike this weekend (vehicle B) but now cant as its not insured! (& cant affod a new policy just now) so im bikeless!
thing is i passed a couple of police cars yesterday & was quite confident, that if stopped, i was insured!
glad they didnt pull me!
whats my rights?
should they have informed me?
should they have refunded me,something, anything?
should vehicle B still be insured?
i sold vehicle A about 3 or 4 months ago, so if they cancelled it then, that meant policy for vehicle A was running for approx 6 months & vehicle B only 3 months.
i feel i have been let down, & this is not the 1st time i've been shafted by insurance companies!
opinions? advice?
cheers,
GAZ

[Ste]

[stirlinggaz]

[Digit]

Out of courtesy they owe you an explaination otherwise....

https://www.financial-ombudsman.org.uk/publications/assessment-guide/first-annual-report/resolving-insurance-related-disputes.htm

Roy.
____________________
Happy daze!

[m0l0t0v]

[stirlinggaz]

WARNING! ANOTHER LONG POST

hi all,
just thought i'd update this....if anyones interested,
ok, i finally got in touch with the insurance company. (internet based so you have to email them or pay a pound a minute to call them during the week)
heres the outline:
bought the original policy 18/01/10 & paid in full (for an aprilia rs125)
got insurance docs 24/01/10 which stated i need to send in copies of my licence, which i did on same day.
thought no more about it & rid the bike.
called them the following week,02/02/10, as i had bought another bike & because it was of same value & capacty (cagiva mito) they just added it to the original policy for something like 50 quid.again i paid in full.
during the call the woman said they hadnt received my licence yet (after taking my payment) so i agreed to send them in again.
sent them off AGAIN, 06/02/10 recorded delivery with po guaranteeing delivery by 10/02/10.
so i owned the bikes for a few months but tbh rarely used them (i always have around 5 or 6 bikes at any 1 time).
sold the rs in june to a polish guy who said he wanted it for parts. (but a few weeks later saw it re-advertised)
the mito was kept in the shed since june.
but decided to put the mito back on the road & probably sell it. so took it for a few test runs last week.
checked ASKMID the other day & discovered neither bikes is on the database, so i decided not to take the chance & not ride it any more, & contacted ins. co. (& posted in here)
heres the reply i got : insurance co. state they had to receive my docs by 10/02/2010 or policy would be cancelled.
they state they received my docs 11/02/10 but this was too late because once a policy is cancelled it cant be reversed.
they state they wrote to me recorded delivery. (a card was left but i was receiving lots of stuff from ebay at the time so ignored it, expecting it to be re-delivered, as card doesnt state who its from).
they also state they emailed me 24/02/10 : i received no contact since 02/02/10.
so they have had my money sonce jan/feb, not given me any refuns etc.(& earned interst on my money)
& now they state that their conditions state that if they dont receive your docs within the timeframe, policy is cancelled incurring a £75 admin fee!!!!
so at any time i could have been pulled & got banned (likely as i have a previous IN10 conviction) or got 6 points.
i have raised a complaint with the company concerned & i am awaiting a resolution before contacting ombudsman.
whats the general opinion?
am i at fault?
or do you think, as i do, a cuortesy call would have been more appropriate?
& at least a partial refund sent out by cheque, back in Feb?
do you think the date they say they received my docs, a tad coincidental/suspicious? (the day after cut off date,hmmmmm)
opinions plz.
cheers,
GAZ

[Digit]

Certainly a courtesy call wouldn't have broken their bank.

Roy.
____________________
Happy daze!

[MarJay]

I think it all hinges on what you said to them when you told them you were selling the RS125. Did you ask them to remove it from the policy, or did you tell them you had sold it?

If you just said "I've sold the RS125" then they probably have every right (in their own moronic way) to cancel the policy. If you instructed them that you still have the Mito but you want the RS removed from the policy then that is very different.
____________________
British beauty: Triumph Street Triple R; Loony stroker: KR1S; Track fun: GSXR750 L1; Commuter Missile: GSX-S1000F; Cheap project: CBR900RR FireBlade
Remember kids, bikes aren't like lego. You can't easily take a part from one bike and then fit it to another.

[stirlinggaz]

[Ste]

[iooi]

Which company is this ?

Were your contact email details correct with them ? Did you check your spam folder.

Why did you not simply scan and email the licence to them.

Your real complaint lies with the post office. Did you check the online section to make sure it got delivered on time.....

If you read the Recorded delivery card. It states they will not try to redeliver, you have to go and collect..... It never states who its from....

Now this is where the great case against the DVLA and proof of postage falls down.
The company can use exactly the same arguement on non recieved docs

TBH, how hard would have it have been for you to check to ensure that they have recived everything they should. Given that you knew that if not recived in time they would cancel the policy.
____________________
Just because my bike was A DIVVY, does not mean i am......

[stirlinggaz]

well to be fair, i did send my docs, twice!
it does state in the insurance paperwork, they need the copies within a certain time or the policy will be cancelled with a fee of £75.00 being charged for failure to do so.
i asked if i could fax them but they said to post them, so 2nd time i sent them recorded delivery/signed for.
they definately never emailed me, as i keep all this type of email in my kept folder.(& i check my junk folder regularly)
the only emails i had were junk "recommend a friend" stuff & the like.
they never phoned me, despite having my number.(if they did, no message was left)
i think the important thing is they never sent any refund.
they were quite happy to pocket the cash.
iooi, you mention the case against dvla, surely this is the same thing, i posted off the docs, twice.
& i wasnt about to dial their 090 number & be charged £1.50 a minute to check.
perhaps i could have emailed them.........
i think imade every effort, i dont think they did.
i remember the card, but i was expecting loads of parcels & stuff so reckoned if it was important it would be re-delivered, i never thought it was from the insurance co.
surely they should make every effort to inform me of non-receipt AND make every effort to at least partially refund me?
if i had got a cheque in the post, i would have realised something was wrong.
or if i had been pulled by the police.
oh well, at least i didnt get pulled or have an accident or have the bike nicked!
& i should get some sort of cash back, which i will use for a further years insurance on the mito or another bike, but not with ebike,lol
cheers,
GAZ

[tutton]

i say take it higher and when they whip out there tracking number to say its been delivered royalmail will say its either been returned or is in the depot so you can plead it never turned up?
____________________
Past: '05 Peugeot XPS '99 Aprillia RS125 '94 FZR600R
Current: '02 ZX636 A1P '51 CCM R30

[Ste]

Have you still got the proof of posting from when you sent your paperwork? And how was it sent? Recorded delivery doesn't guarantee delivery within four days, in fact it doesn't guarantee delivery at all.

[stirlinggaz]

[stirlinggaz]

[Bendy]

I'd take it as a lesson in keeping your paperwork in order and not ignoring the mail.

[stirlinggaz]

[Bendy]

[stirlinggaz]

/quote]

I don't really see how a 'failed delivery' card is ambiguous.

You didn't tell the insurers when you sold the bike and you mention the card 'could have been one of many debt letters' - that doesn't sound like someone who keeps on top of their affairs to me.

I just don't think you're going to get anywhere with the complaint, as they clearly did write to you.[/quote]

they may well have written to me, but i was not aware of this.
i have to email them when i want to contact them, why cany they email me?
a bigger concern is why they have held onto my money for 6 months?
the card could have been from anyone, as i had bought a few things from ebay, some of which were sent recorded delivery.
my records are are filed in date order & i have a spotless credit record (i have to) but at that time was involved in a dispute (which i won & received an ex gratia payment of £250 for "distress") with a company over a £35 "debt" which i didnt owe. & suspected the card was another letter from their debt collecton agency,
the way i see it i, i cant lose anything by raising the complaint.
their conditions state they should refund me minus the admin fee.
its this fee im challenging,& the length of time taken to refund.
either way i will get a refund of some sort,
cheers,
GAZ

[Ste]

[stirlinggaz]

[iooi]

[Skudd]

I was just wondering, if you paid in full for your insurance, why did you check on askmid or whatever it is called to see if you are insured? Surely you would have just assumed because you paid everything that you were insured and not worry about it.
____________________
Famous last words of Humpty Dumpty. " Stop pushing me "
Petty Anarchists look at "1984".............. The Visionary looks at "Animal Farm".

[stirlinggaz]