Insurers "collecting" money.

johnsmith222 · World Chat Champion Joined: 26 Dec 2008 Karma :

Hi guys.

For whatever reason, a friend of mine took out an insurance policy on a bike and forgot to send proof of no claims bonus.

He has since posted the proof yesterday (so they wont have it yet) and has since recieved a letter saying:

"because we've not recieved your NCD, we will reduce it to zero"

"total cost of your cover will increase by £xxx.xx plus £30 administration fee".

Payment of £xxx.xx is due which will be collected on or around 18/12/2012.

My friend paid the policy in full by direct debit.

By what means do they have to "collect" the monies if no Direct Debit or the likes have been set up?

Thank you for any help. Thumbs Up

kernow24 · Crazy Courier Joined: 15 Jun 2011 Karma :

You say he paid in full by direct debit, I which case they will attempt to collect using that previous dd mandate, and if the dd has been cancelled they will add another administration charge.

If it's not paid, the policy will likely be cancelled
____________________
.........................................................................

raesewell · Traffic Copper Joined: 22 Oct 2012 Karma :

you say he paid by direct debit ... yes?
then you say there was no direct debit.
If he paid by direct debit then there must have been a direct debit set up at the time and unless he has cancelled it, it will still be in place

johnsmith222 · World Chat Champion Joined: 26 Dec 2008 Karma :

apologies on my part. It should have read:

He paid in full by "Debit Card". Embarassed

Now that he has sent away his NCD proof, do you think he will be able not to pay.

piazza · Brolly Dolly Joined: 23 Aug 2008 Karma :

I'd be on the phone straight away apologising for my error at not posting- blame woman? - because my snake died/cabbage field failed and I'm deeply in shock Thumbs Up

How did he pay,by credit card?

Contact previous insurers and get proof for them...just in case Laughing

johnsmith222 · World Chat Champion Joined: 26 Dec 2008 Karma :

.Bishbash. · World Chat Champion Joined: 06 Sep 2010 Karma :

Yeah just phone them up tell them it's on the way. You're....sorry, "your friend" is the customer and they should respect that, don't be ruled by them too much.

And for admin fees, tell them to stick the admin fee, if they contest say you will charge them for your....sorry "your friends" time. They will soon back down with that rubbish.

Thumbs Up

____________________
Current bike - GSX-R1000 k8

johnsmith222 · World Chat Champion Joined: 26 Dec 2008 Karma :

Gah, my mate messed up. He ended up not phoning them as he had already sent away proof of his NCD and thought that they couldn't just take his money out of his debit card account as he had paid in full.

They have managed to take £190 out of his bank account.

How is this possible for them to just help themselves to extra money?

Ingah · World Chat Champion Joined: 10 Apr 2009 Karma :

arry · Super Spammer Joined: 03 Jan 2009 Karma :

johnsmith222 · World Chat Champion Joined: 26 Dec 2008 Karma :

arry · Super Spammer Joined: 03 Jan 2009 Karma :

johnsmith222 · World Chat Champion Joined: 26 Dec 2008 Karma :

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

I imagine that your "friend" will just forget about it again though.

What a sad, unnecessary tale. Sad

____________________
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

Vincent · Banned Joined: 16 Oct 2006 Karma :

arry · Super Spammer Joined: 03 Jan 2009 Karma :

Alternatively, he could just be a good boy and send the proof of bonus and keep up his side of the contract.

Should think himself lucky his policy wasn't just cancelled

illuminateTHE... · World Chat Champion Joined: 13 Jul 2012 Karma :

arry · Super Spammer Joined: 03 Jan 2009 Karma :

sgtcalle · Spanner Monkey Joined: 07 Sep 2011 Karma :

just out of interest, do you know which insurance company it was?
____________________
CBR600F '02
Manchester

johnsmith222 · World Chat Champion Joined: 26 Dec 2008 Karma :

Hi guys.

The insurer has obviously opened up the NCD proof and amended the policy so apparently my pal is due a £160 refund. They took the £30 admin fee but was his own fault so not really worth the hassle of arguing it.

My pal has learned for next time, and a word of warning for you all, if your insurer says they're going to take money out of your account, it seems they can. Razz

andym · World Chat Champion Joined: 16 Nov 2010 Karma :

I know this has been sorted now, but if I ever need to send proof of NCD I ask if I can email a copy of it (scan, save as PDF and off it goes). If I wasn't able to do that I would just ask them to contact the other insurance company for proof and so far I've never had a problem.

bladerunner · World Chat Champion Joined: 09 Sep 2006 Karma :

As andym said on both counts. If they give you BS about data protection....it's on the insurance data base....they have the right to check. Does sound like your mate is a bit lazy tho....once he gets what he wants....won't bother finishing off the detail until made to do so!
____________________
Current bikes...cbr929, KDX200's, Rd125lc mk2, RGV250's