Be Wiser Insurance Help Needed RE: No Claims Bonus & Cancellation Charges within 14 Day Cooling Off Period - HotUKDeals
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Be Wiser Insurance Help Needed RE: No Claims Bonus & Cancellation Charges within 14 Day Cooling Off Period

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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 ju…
hero2008 Avatar
6y, 11m agoPosted 6 years, 11 months ago
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!
hero2008 Avatar
6y, 11m agoPosted 6 years, 11 months ago
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1 Like #1
You have every right to phone them back up and say, fine, dont insure me. Since the Insurance term has not begun, you have the right to cancel it.

They should refund you and that should be the end of the matter.

Make sure any direct debits setup are cancelled or are on hold, and dont let any money out. Inform your bank too, and in the meantime, phone them back up and just threaten them with the Financial Ombudsman or whatever its called. Lemme find you a link!
1 Like #2
They are talking bull sh*t you have the right under the distance selling regulations details on link below

http://www.out-law.com/page-430
1 Like #3
Why don't you provide them with details of your insurer prior to morethan (with whom you had 9 yrs NCD) they will be able to verify the 9 yrs themselves
1 Like #4
hutchir9
They are talking bull sh*t you have the right under the distance selling regulations details on link below

http://www.out-law.com/page-430


It does say that financial contracts are exempt from distance selling regs, this may be a grey area as insurance is usually under financial services.

However, you are within your right to cancel this as the policy has not become live yet. Let them take you to court as far as I am concerned.

Ring them, say that if they have an issue with the no claims, they can contact more than if they want the business. If they wont do so, tell them to contact more than for the £25

Insurance companies have a habit of charging for whatever they can do.
1 Like #5
Ask your card provider if they can do a charge back for the full amount?
Don't insurance co's have a central database or share info they want, but only when it suits their purpose.
#6
Its very difficult because More Than will only prove 6 years for me, as when I did the quote online last year, their little pull down menu only went up to 5, and when the quote was offered it was competitive, thus I took the policy out. Now one year on, I can only prove 6 of them. Norwich Union were my previous insurer, and they say that they too will only provide evidence of 5 years, even though I have 4 consecutive years renewals with Norwich Union dating 2005 - 2008, each one stating 5 years i.e. 2005 stated 5 years for which I was claim free, then 2006 (claim free), 2007 (claim free), 2008 (claim free) i.e. by 2008 I would have 9 years.

The whole thing is ridiculous to be honest. I never thought in a million years there would be an issue proving my No Claims Bonus, and I certainly declared 9 in good faith. In fact I dont in principle have a problem with them accepting 6 years, apart from the fact that the premium will go up £125 which is just ridiculous!! That is not justifiable at all.
#7
Have you got last years renewal? Otherwise tell Be Wiser who you had the 9 yrs NCD with, they should be able to track your claims (or lack of them) through the computer.
My son had the same problem earlier this year, he had 9 yrs but his renewal only said 5 yrs but he told the brokers and they said they would sort it out, they said they could check his car insurance history on the computer, never heard any more!
1 Like #8
hero2008
Its very difficult because More Than will only prove 6 years for me, as when I did the quote online last year, their little pull down menu only went up to 5, and when the quote was offered it was competitive, thus I took the policy out. Now one year on, I can only prove 6 of them. Norwich Union were my previous insurer, and they say that they too will only provide evidence of 5 years, even though I have 4 consecutive years renewals with Norwich Union dating 2005 - 2008, each one stating 5 years i.e. 2005 stated 5 years for which I was claim free, then 2006 (claim free), 2007 (claim free), 2008 (claim free) i.e. by 2008 I would have 9 years.

The whole thing is ridiculous to be honest. I never thought in a million years there would be an issue proving my No Claims Bonus, and I certainly declared 9 in good faith. In fact I dont in principle have a problem with them accepting 6 years, apart from the fact that the premium will go up £125 which is just ridiculous!! That is not justifiable at all.


Be Wiser should know Norwich Union has a policy of a maximum 5 yrs NCD and knowing you have been with them for 4 yrs without claiming should be good enough!
Its about time the Insurance companies sorted this problem out, also you should remember to keep all renewals and polices for your own proof of NCD, as you have found out once you leave they don't want to know.
#9
duplicated
#10
hippyharry
You have every right to phone them back up and say, fine, dont insure me. Since the Insurance term has not begun, you have the right to cancel it.

They should refund you and that should be the end of the matter.

Make sure any direct debits setup are cancelled or are on hold, and dont let any money out. Inform your bank too, and in the meantime, phone them back up and just threaten them with the Financial Ombudsman or whatever its called. Lemme find you a link!


hutchir9
They are talking bull sh*t you have the right under the distance selling regulations details on link below

http://www.out-law.com/page-430


eltman
Why don't you provide them with details of your insurer prior to morethan (with whom you had 9 yrs NCD) they will be able to verify the 9 yrs themselves


aircanman
It does say that financial contracts are exempt from distance selling regs, this may be a grey area as insurance is usually under financial services.

However, you are within your right to cancel this as the policy has not become live yet. Let them take you to court as far as I am concerned.

Ring them, say that if they have an issue with the no claims, they can contact more than if they want the business. If they wont do so, tell them to contact more than for the £25

Insurance companies have a habit of charging for whatever they can do.


Flynn Jack
Ask your card provider if they can do a charge back for the full amount?
Don't insurance co's have a central database or share info they want, but only when it suits their purpose.


The Fox
Be Wiser should know Norwich Union has a policy of a maximum 5 yrs NCD and knowing you have been with them for 4 yrs without claiming should be good enough!
Its about time the Insurance companies sorted this problem out, also you should remember to keep all renewals and polices for your own proof of NCD, as you have found out once you leave they don't want to know.


Thank you all for your advice and help. I will try and battle with them again tomorrow and see what happens. Rep left :thumbsup:
#11
Have you tried a new online quote with the "provable" ncb to see what the figure is?
BTW IIRC Section 75 Consumer Credit Act covers charge backs.
#12
I have just had the most awful experience with BeWiser ....NEVER AGAIN!!! abysmal service
banned#13
They are perfectly entitled to charge you the admin fees of £25 (ignore the tosh some are saying about DSR!)

they have admin charges to cover for setting up the insurance so its only fair. Its not their fault you cant prove your NCB.

Edited By: csiman on Feb 17, 2012 10:21
1 Like #14
csiman
They are perfectly entitled to charge you the admin fees of £25 (ignore the tosh some are saying about DSR!)

they have admin charges to cover for setting up the insurance so its only fair. Its not there fault you cant prove your NCB. Obviously, ask your previous insurer for the proof (before the more than cover).

CSI this thread is almost 2 years old :)

Edited By: Nailez on Feb 17, 2012 10:25
banned#15
Nailez
csiman
They are perfectly entitled to charge you the admin fees of £25 (ignore the tosh some are saying about DSR!)

they have admin charges to cover for setting up the insurance so its only fair. Its not there fault you cant prove your NCB. Obviously, ask your previous insurer for the proof (before the more than cover).


CSI this thread is almost 2 years old :)

LOL - damn noobs resurrecting ancient threads does my head in :)
#16
AVOID BE WISER INSURANCE

I was contacted by Be Wiser insurance and talked into taking out a policy with them.

After 2 months Be Wiser contacted me to ask for more details from me. They said I had no NCD. I knew I had so I contacted my other insurers.

After proving I had NCD they then decided to change their minds to say they couldn't mirror my NCD as I wasn't 35 years old.

I feel like they have miss sold me insurance then refused to help me.

Iv tried to contact them a number of times and they never answer or send a reply.

I would never use them again and would advise everyone to AVOID BE WISER INSURANCE.

The experience has cost me £23 in phone calls and £200 for a months temp insurance.

AVOID BE WISER INSURANCE
AVOID BE WISER INSURANCE
banned#17
jono81
AVOID BE WISER INSURANCE

I was contacted by Be Wiser insurance and talked into taking out a policy with them.

After 2 months Be Wiser contacted me to ask for more details from me. They said I had no NCD. I knew I had so I contacted my other insurers.

After proving I had NCD they then decided to change their minds to say they couldn't mirror my NCD as I wasn't 35 years old.

I feel like they have miss sold me insurance then refused to help me.

Iv tried to contact them a number of times and they never answer or send a reply.

I would never use them again and would advise everyone to AVOID BE WISER INSURANCE.

The experience has cost me £23 in phone calls and £200 for a months temp insurance.

AVOID BE WISER INSURANCE
AVOID BE WISER INSURANCE

you make no sense at all
1 Like #18
"you make no sense at all"

Made perfect sense to anyone who has ever had any dealings with this dodgy bunch.




Edited By: MikeT on Jan 08, 2013 06:37: swearfilter?
#19
Bewiser car insurance... Still, 4 years on manipulating market comparing websites by including 9 yrs no claims discount in your quote. Knowing full well 99% of people are unable to prove this as the majority of insurers only recognize 5 ncd! If their initial quote seems to good to be true, it will be. Besmarter, and AVOID
#20
They're still at it. Be wise and stay away. Just google reviews of them before signing on the dotted line. Scandalous.
#21
I have had a similar problem with them not accepting my NCB and wanting an extra £350. I cancelled the policy which cost me £150 and I have not had any other money returned yet. These people are nothing more than thieves and should never be used.
suspended#22
Hi mike here.
Think I'm in the Sam trap. Someone bumped into my car whilst I was at our local skip last year. He admitted fault and hastings paid in full no probs. But choice quote seem to be out of business and bewiser say they were not notified so I have to pay extra £150 or such. I haven't even got all docs yet. Took out and paid in full on March 6th March 2015. They want me to phone them to discuss it. Have I also been conned I wonder?

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