They Are Cancelling My Insurance.

[johnsmith222]

Hi guys.

Bad news. My insurers are cancelling my insurance because I am unable to provide a photocopy of my photocard.

I lost my card in my wallet a few weeks ago and I have explained this to my insurers and that I have ordered a new card. I have provided a copy of my paper counterpart and my pass certificates explaining what has happened.

The thing is, the insurer has lied to me. I have 4 years no claims and they stated at the time of purchase that I did not need to provide a copy of my licence because I have no claims.

They have sent me three letters (I recieved another two today) and it's saying that they're going to cancel my insurance in 7 days.

I have emailed them a copy of their emaill which is shown here with the relevant info highlighted in a box in red.

https://i14.photobucket.com/albums/a324/david_m213/noclaims.jpg

"Thank you for replying to my e-mail.

The e-mail I recieved (enclosed in an attachment) says that I do not need to provide proof of my driving licence as I already have 4 years no claims bonus and I have provided the proof of this. (My previous insurer is bennetts, tel = 0800 107 7990, policy number:)

The first I knew about having to provide a copy of my licence was when I recieved a letter this week requesting this. I was mislead into believing that I didn't require copies of my licence then I think it wouldn't be unreasonable to wait the 3 weeks (15 working days) that the DVLA claim to take to send out their replacement photocards.

I am more than happy to send copies of my licence as soon as it arrives. I am just worried that my insurance will be cancelled before I get the oppertunity.

Thank you for your help."

Basically these scum aren't budging and don't seem to understand that I am riding legally and that I cannot possibly get a hold of a photocard within the time they have given me and that they are a bunch of lying bastards.

I need some advice because I don't know what to do. I don't want my insurance cancelled.

Thanks guys.

edit: they say I have 7 days and they're cancelling my policy on the 29th.

[Minty]

Don't email as it could be days before they even look at it. Ring up and ask for a complaints/customer relations department.

Tell them you wish to make a formal complaint. Outline the complaint. This will kick in the formal complaints procedure and should buy you some more time at least. Keep notes of names and times of people you speak to.
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My fingers smell of your mum.

[_Troy_]

[Bezzer]

Empty post, I DID read it wrong
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I used to be indecisive but now I'm not quite so sure.

[Benson_JV]

[Walloper]

AND DO NOT BE FOBBED OFF.

Keep at it until you speak to a supervisor or an underwriter.

The frontline will probably tell you there is nothing you can do without the docs they request.
Dp NOT accept frontline staff as last word.
Inform whoever you speak to you will refer the matter to the ombudsman.
Write to the ombudsman and ask for advice.

Check out if you can get cover elsewhere and cancel with the idiots you are with now.
You will be wanting All monies back minus any days on cover. Fuck thier cancelation costs, they are in breach.
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W-ireless A-rtificial L-ifeform L-imited to O-bservation P-eacekeeping and E-fficient R-epair

[Rogerborg]

Email a complaint first to get it on record.

What to do if you have a complaint
We aim to provide a high level of customer service at all times. If, however, you are not satisfied, and wish to register a complaint, please contact us:

By phone on 0800 197 7089
In writing to Express Insurance Services, 22 Old Walsall Road, Hampstead, Birmingham, B42 1DT
By email to the Customer Relations Department at [email protected]

If you do call, when the frontline mong insists that Computer Says No, be sure to ask for their full name so that you can get it right on the complaint to the FOS.

Try to stay calm, you'll win it in the end, but be resolute and keep hammering on them being "unreasonable".

And I agree, best way to punish them would be to get a full refund issued, no "arrangement fee", no pro-rata charge.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[Kris]

Hmm Express Insurance are fucking me around at the moment too.



I reckon they're going bust...


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NSR125RR - ZXR750H1 - ZX9R E1 - GSF600S - GSF600SK3 - VFR400-NC30 - SV1000N - ST1100-R - CBR900RR-R - GSF1200SK5 - GSF600SK1 - VFR1200FA - GSXR1000K2 - ZZR1400 D8F
www.prisonplanet.com

[Hyaon]

er shit..I just went with them other week..

and they're asking a FUCKload of questions, even though I emailed them all my driving licence scans AND ALL my previous insurance details.




First time I've felt REALLY interrogated by insurance..

Oh dear..

https://www.reviewcentre.com/reviews152594.html
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Mod2 Passed 30/03/2011!
CBF125>GSF650 Bandit K8>B-King 2008+R1 2002

[iooi]

Have you sent them proof of your NCB?

Prehaps that is why they keep asking for the rest.

But as others have said raise a complaint. Do it via both phone to get it logged quickly and follow up with a email for proof of complaint.
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Just because my bike was A DIVVY, does not mean i am......

[Paivi]

All they're saying in the attachment you included in the OP is that if you don't have NCB, you'll have to send them a copy of your licence. They don't say that you don't have to do this if you have NCB.
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My other bike's a Monster...

[Rogerborg]

[johnsmith222]

This is just a wee update to let you know how I have got on with this. I have recieved an e-mail saying that they are now extending the time to provide my licence by another 14 days. This should be enough time to provide what they need.

My biggest concern now is the DVLA mucking something up. I sent them a letter telling them not to change the date 2 years forward of my pass date if they remove my restriction code. I just hope they listen to it because these seem like the sort of insurers that wouldn't understand this.

Fingers crossed I get my photocard on time.

A big thank you to all that have helped.

[johnsmith222]

It doesn't end.

It seems that the DVLA have totally disregarded my letter telling them not to move my pass date two years forward if they were going to remove the restriction code.

Now I'm in a situation where I will have to explain this and I have also lost 2 years of bike licence experience.

The only thing I have going for me is that I passed at age 17, so the pass date is at age 19, which shows it was impossible for me to direct access at this age. I must have done A2.

What a joke.

[bLiXeY]

Express pissfarted about sending me my cover note, but I wanted to tax the bike.

e-mailed asking them to e-mail my cover note (which other insurers sent me as a matter of course), so I could print it out, nothing from them.

e-mailed them 2 days later telling them I was cancelling my insurance because their cust service was crap, they responded immediately with my cover note attached.

They tell you to e-mail them, then they have a caveat on their site telling you that you must wait at least 2 days for an e-mail response!

[cb1rocket]

theres no such thing as A2 according to research of others on the forum. You did a full license with a 2 year probation period to put it in way rather than a restriction. So you did your full license started from day 1 since you passed!

Express insurance and DVLA are c****

[johnsmith222]

What do you guys suggest I do now?

I'm betting that my insurers are now going to kick up a fuss because I have "lied" about having my licence for two years longer than I have.

Do I just send them a copy of my new photocard and don't mention it or should I explain why it's 2 years forward of the date I gave them?

[Minty]

When dealing with insurers, honesty is key.

Tell them. They may be fine, they may want to up premiums. Bottom line - do not let THEM cancel the policy. If it comes to that point, YOU cancel it and walk away. Otherwise you have to declare to other companies that you had a policy revoked.
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My fingers smell of your mum.

[Ghost]

FFS, just having read your post on the restriction lifting, I thought, hmm, that sounds exactly like the sort of fuckup the DVLA would make! Check my license and lo and behold, I passed my test November 2007, my A license is shown as starting from 15-11-09!

Fuckers, was months ago I got it updated as well so this is going to be a ballache!

[johnsmith222]

[Ghost]

The only reason I send the license off to get the restriction code taken off was because I got pulled by a couple of traffic police who didn't have a clue what it meant and kept my at the roadside for an hour while they worked out I did, actually, have a license to ride a full power bike after two years and the code had expired. Thought it would make my life easier not having it on there to confuse the poor policemen in future, but obviously not! Not sure how I'm going to explain how I've got 4 years no claims but have only held my license for 3!

Hoping I've still got my original test pass certificate, if so I'll take that in with my photocard license and ask them to correct it.

[johnsmith222]

[Rogerborg]

Moving the "From" date on the photocard is fixed DVLA policy, they don't even seem to understand the problem with it, and claim not to have heard about any insurers having difficulties either

[0l0dom0l0]

[Rogerborg]