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insurance cancellation before policy starts

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mikojh
Nitrous Nuisance



Joined: 24 Apr 2010
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PostPosted: 22:47 - 13 Apr 2011    Post subject: insurance cancellation before policy starts Reply with quote
edited by someone

Last edited by mikojh on 15:58 - 19 Apr 2011; edited 1 time in total
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Faldo
World Chat Champion



Joined: 05 Aug 2007
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PostPosted: 23:19 - 13 Apr 2011    Post subject: Re: insurance cancellation before policy starts Reply with quote
mikojh wrote:
I’ve recently found out that a policy I have taken out has conditions on it I am not happy with but have already paid a deposit. I will be cancelling before the policy even starts and know I am entitled to the full deposit back. The insurers will no doubt try it on, what do I need to say to them on the phone in order for them to not do so i.e. financial ombudsman. I know they can’t do it but need to know roughly what line I should be going to down to let them know I aint gonna be messed around with.


If you've done it over the phone or internet, then quote Distance Selling Regulations (2000?) to them. They have to give you a full refund if you cancel within 7 days (might be 14 days, I can't remember). Make sure you send a WRITTEN cancellation within this period by Recorded Delivery. I'd also fax it from a machine with delivery reports and email it with delivery reports. They will try it on of course, but if you've got proof of cancellation within the Distance Selling reg's time frame they know they've got no leg to stand on. If they do try it contact Trading Standards (or whatever their latest name is, Consumer Advice?).

Sorry for the vagueness, but my brain isn't functioning after a very long day.
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mikojh
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Joined: 24 Apr 2010
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PostPosted: 23:41 - 13 Apr 2011    Post subject: Reply with quote
Does te the distance selling regulation apply to vehicle insurance?
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stinkwheel
Bovine Proctologist



Joined: 12 Jul 2004
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PostPosted: 23:52 - 13 Apr 2011    Post subject: Reply with quote
mikojh wrote:
Does te the distance selling regulation apply to vehicle insurance?


Yes. And there should be a section explaining your right to cancell under these regs and how to do so in your documentation.
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I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.
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mikojh
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Joined: 24 Apr 2010
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PostPosted: 00:14 - 14 Apr 2011    Post subject: Reply with quote
edited by someone

Last edited by mikojh on 15:58 - 19 Apr 2011; edited 1 time in total
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phonesurgeon
Nova Slayer



Joined: 27 Dec 2010
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PostPosted: 06:33 - 14 Apr 2011    Post subject: Reply with quote
When you buy insurance,ovcer the phone or internet, usually the company should send all the necessary paperwork, for you to check that the details given are correct.

Now if you found a clause that you do not like, you are perfectly in your rights to cancel the policy. Even on insurance policy, they have the so called cooling-off period, where you can cancel your insurance... no question asked... and receive your full refund!

So for the OP original question: just say that you want to cancel the policy, full stop! no need to mention any agency or such!
Remember that insurance company do record all their calls, so if they try it on ask to speak to a supervisor/manager.
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stinkwheel
Bovine Proctologist



Joined: 12 Jul 2004
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PostPosted: 08:56 - 14 Apr 2011    Post subject: Reply with quote
One thing you will have to do is return the certificate of insurance.
____________________
“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.
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Old Thread Alert!

The last post was made 14 years, 280 days ago. Instead of replying here, would creating a new thread be more useful?
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