Hi, I don't know if someone is able to help at all but I have a bit of an issue which is confusing me and stressing me out unnecessarily.
Basically I have shopped around for my car insurance and just taken out a policy with Be Wiser Insurance Brokers who sourced me a price through Fortis. The quote was competitive and I accepted. The charge has now been taken from my card, and the policy is due to start this Sunday (25th April), which is when my current insurance expires.
Since then they have asked me to prove my 9 years No Claims Bonus, so I sent them my renewal notice and certificate from More Than, but it only states 6 Years No Claims. Basically, when I took the insurance out with More Than last year, the maximum No Claims Bonus you could select was 5 years, and even though I had more than this, obviously that was the maximum they would except, thus I selected that option. Now one year on it says 6 years, and now Be Wiser are saving that I don't have the 9 years originally stated, only 6, and as such an addition £125 will apply to the policy!!! The total policy for 1 year based on 9 years no claims was only £195 (now £320 total with extra charge!).
On this basis I said I wanted to cancel policy as still within my 14 day cooling off period, but they said if I do this a £25 cancellation charge will apply!! Please can someone advise if they are entitled to do this bearing in mind that they have not sent ANY documentation through the post to me yet (only confirmed by e-mail and had discussions by phone), and the policy is not due to start until Sunday, thus not even used any of the cover, and I'm still within my 14 day cooling off period.
I feel as if Im cornered to pay them the £25, or pay up the unreasonable additional £125!!! The fact is I do have more than 9 years no claims bonus, but due to More Thans system, I can only prove 6, thus I have unintentionally put myself in this situation as I selected the maximum 9 years in good faith, not realising the implications.
I would be incredibly grateful if anyone can offer any advice or point me in the right direction of my rights on this. I am clueless on terms and conditions, and having searched on Google I have found a variety of conflicting statements.
Thanks in advance and rep to anyone that can help!