Insurance woes!
Discussion
Firstly I hope this is posted in the right place. Secondly, sorry if it goes on a bit!
I am in need of a bit of advice.
The other half is insured with RSA through a certain 'popular' insurer broker (hint: part of the name rhymes with clucks). She has got a new car, got rid of a Focus ST and replaced it with a Mondeo TDCI. I am a named driver on the policy.
I have a SP30 dated Mar 2010, and a non fault accident from Nov 2009 (the person who hit my car drove off and I didnt get the plate, I decided not to claim from my own insurance)
SWMBO has a SP30 from July 2010 and an accident where she was at fault in July 2010. (Claim currently pending, as yet 0 costs as no damage to the car she hit)
Anyway, today she contacted them to change the insured vehicle. And after I had read a thread on here about details being omitted then claims being invalidated I got her to check the details on the insurance were correct.
The insurer didnt hold the details from my accident, we are sure we informed when the policy taken out earlier this year. SWMBO corrected this with the company at the same time as the vehicle was being changed.
The broker then come back and said RSA have just issued a 7 day notice of termination as they will not insure the new vehicle with 2 accidents on the policy. Also a new policy would have to be taken out with a different insurance company, and she would only have 1 years NCD due to the claim. She had 3 years NCD earlier in the year when the policy was taken out.
As this was the case we double checked everything was correct on the 7 day Ford Insurance drive away cover, and noted that this was underwritten by none other than RSA. We contacted Ford Insure for a proper quote, and they came back with one with no issues, which again would be underwritten by RSA.
If we were to go with Ford Insurance it would be with RSA with 1 years no claims, yet 'Clucks' are saying RSA wont insure us on that vehicle so the policy is effectively canceled.
How do we proceed? Can she lose 2 years no claims when a claim has not actually been made as yet? (we have been told after 6 months of no contact from the 3rd party insurer it will be closed, currently stands at about 5 months of no contact so still pending).
I am in need of a bit of advice.
The other half is insured with RSA through a certain 'popular' insurer broker (hint: part of the name rhymes with clucks). She has got a new car, got rid of a Focus ST and replaced it with a Mondeo TDCI. I am a named driver on the policy.
I have a SP30 dated Mar 2010, and a non fault accident from Nov 2009 (the person who hit my car drove off and I didnt get the plate, I decided not to claim from my own insurance)
SWMBO has a SP30 from July 2010 and an accident where she was at fault in July 2010. (Claim currently pending, as yet 0 costs as no damage to the car she hit)
Anyway, today she contacted them to change the insured vehicle. And after I had read a thread on here about details being omitted then claims being invalidated I got her to check the details on the insurance were correct.
The insurer didnt hold the details from my accident, we are sure we informed when the policy taken out earlier this year. SWMBO corrected this with the company at the same time as the vehicle was being changed.
The broker then come back and said RSA have just issued a 7 day notice of termination as they will not insure the new vehicle with 2 accidents on the policy. Also a new policy would have to be taken out with a different insurance company, and she would only have 1 years NCD due to the claim. She had 3 years NCD earlier in the year when the policy was taken out.
As this was the case we double checked everything was correct on the 7 day Ford Insurance drive away cover, and noted that this was underwritten by none other than RSA. We contacted Ford Insure for a proper quote, and they came back with one with no issues, which again would be underwritten by RSA.
If we were to go with Ford Insurance it would be with RSA with 1 years no claims, yet 'Clucks' are saying RSA wont insure us on that vehicle so the policy is effectively canceled.
How do we proceed? Can she lose 2 years no claims when a claim has not actually been made as yet? (we have been told after 6 months of no contact from the 3rd party insurer it will be closed, currently stands at about 5 months of no contact so still pending).
Who's the contact here at clux
Has someone mixed up fault and non-fault accidents?
At renewal time from what I've seen the insurance company always (I think its always rathr than usually) forgets to include the mods list so you have to phone up anyway and tell them about mudflaps etc and incur the extra premium.
I'd be annoyed but not surprised at an insurer not remembering something
Has someone mixed up fault and non-fault accidents?
At renewal time from what I've seen the insurance company always (I think its always rathr than usually) forgets to include the mods list so you have to phone up anyway and tell them about mudflaps etc and incur the extra premium.
I'd be annoyed but not surprised at an insurer not remembering something
Would Ford Insure for example change the policy mid term to amend the NCD from 1 years to 3 years and refund the difference?
If the deal the broker has with RSA is based on less than 2 accidents why could they not suggest I am not a named driver on the policy instead of just issuing a cancelation?
She has contacted the broker again and been told that they no longer deal with RSA so are unable to quote with them, this could be why the policy has been cancelled. They aren't 100% sure on the reason for the cancellation so will 'call back'.
If the deal the broker has with RSA is based on less than 2 accidents why could they not suggest I am not a named driver on the policy instead of just issuing a cancelation?
She has contacted the broker again and been told that they no longer deal with RSA so are unable to quote with them, this could be why the policy has been cancelled. They aren't 100% sure on the reason for the cancellation so will 'call back'.
Well that's what you get from dealing with flux , personally dealt with them once for my quad insurance and I wish I didn't !
Go to a more reputable company and they would have recorded mail and phone calls . From what I know the premium shouldn't go up till renewal
Swiftcover done my a pretty good deal and the difference between them and a broker was under 100 quid , money well spent I say . Like everything , the cheapest qoute it's not the best , remember that
Go to a more reputable company and they would have recorded mail and phone calls . From what I know the premium shouldn't go up till renewal
Swiftcover done my a pretty good deal and the difference between them and a broker was under 100 quid , money well spent I say . Like everything , the cheapest qoute it's not the best , remember that
Speak to Ash on the Flux thread at the top of this forum.
However, (sounding like Tom Jones) its not unusual for an insurer to refuse cover if circumstances have changed. Have they offered you an alternative policy?
Also different brokers will have different terms with different insurers, hence why different brokers can offer different prices.
Also if the accident was on your insurance and your policy, it shouldn't affect someone elses ncb, even if your a named driver.
However, (sounding like Tom Jones) its not unusual for an insurer to refuse cover if circumstances have changed. Have they offered you an alternative policy?
Also different brokers will have different terms with different insurers, hence why different brokers can offer different prices.
Also if the accident was on your insurance and your policy, it shouldn't affect someone elses ncb, even if your a named driver.
andyjo1982 said:
Speak to Ash on the Flux thread at the top of this forum.
However, (sounding like Tom Jones) its not unusual for an insurer to refuse cover if circumstances have changed. Have they offered you an alternative policy?
Also different brokers will have different terms with different insurers, hence why different brokers can offer different prices.
Also if the accident was on your insurance and your policy, it shouldn't affect someone elses ncb, even if your a named driver.
They offered an alternative policy which would have started from now. It was more expensive, and the excess would have been £1500!!! Due to the pending claim there will be no refund from the current insurance which has been cancelled.However, (sounding like Tom Jones) its not unusual for an insurer to refuse cover if circumstances have changed. Have they offered you an alternative policy?
Also different brokers will have different terms with different insurers, hence why different brokers can offer different prices.
Also if the accident was on your insurance and your policy, it shouldn't affect someone elses ncb, even if your a named driver.
Its her own accident that has affected her NCD. The damage to her car was repaired at our own cost as it was just above the excess. And there was no damage to the 3rd partys vehicle. It was literally a couple of mph and the towing eye of the 3rd partys car punctured the bumper on SWMBO's car.
Either the broker told them, or they didn't, but it was up to you to check the details in the policy when it incepted, do you still have that ?
Yes, they would refund you the NCD when the claim is closed.
They are cancelling from inception it seems, which isn't good. The broker should be helping more if it is their mistake.
Yes, they would refund you the NCD when the claim is closed.
They are cancelling from inception it seems, which isn't good. The broker should be helping more if it is their mistake.
frosted said:
Go to a more reputable company ......
Swiftcover
As previously said - if the situation was the same aat inception then they wouldn't of issued cover and it isn't unusual to have ncb stepped back until your xs and claim is closed as companies will always think of the worst case scenario - on the flip side you will have a refund
An update....
The policy has been cancelled due to non-disclosure of claim/conviction.
It turns out the broker had SWMBO's points from July in my name, no record of my points from March and nothing about my non fault accident from November despite the policy being taken out after all these events. This was all corrected and has led to the policy being cancelled.
Where does she stand now?
The policy has been cancelled due to non-disclosure of claim/conviction.
It turns out the broker had SWMBO's points from July in my name, no record of my points from March and nothing about my non fault accident from November despite the policy being taken out after all these events. This was all corrected and has led to the policy being cancelled.
Where does she stand now?
Just thought I would share my insurance experiences with you all for my quad and motorbike. Like a number of you, I was insured with Flux for both bike and quad, but the service I received wasn't the best and then they had the cheek to increase my premiums for both vehicles by over 30% (surely with 2 lots of insurance they should be looking after me), anyway I had the unpleasant trip of finding other insurers, after trawling all the comparison sites, I came across a company called Falcon Insurance who were very competitive for both the motorbike and especially the quad, I would recommend them to all - www.falconinsurance.co.uk and telephone 0800 440 2387 (i'm not on commission or anything) just want to share my experience with you all just in case anyone else finds themself in the same position. Other companies good for quads were performance direct and lexham but dont have details to hand. Another website I found for quad insurance is www.insuremyquadbike.co.uk. Hope this helps someone at least.....If anyone in the staffs area fancies a rdide out on a quad sometime let me know, cheers
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