Car insurance problem, cover not started and not been told although they took the money! - HotUKDeals
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Car insurance problem, cover not started and not been told although they took the money!

meshosa Avatar
6y, 2m agoPosted 6 years, 2 months ago
I am asking for advice, I took can insurance by AA on mid August and had email saying documents are in the way. I forgot about it all as I was in the middle of changing jobs. Just now I came accros the site which through you can check your car isnurance and for fun decided to put mine. I was shocked to discover that my car was not insured. I did not receive insurance documents neither any request for any documents. I am trying to phone now but what are my legal rights. From past experience, once you paid you are covered and if anything flags up they have to write to you and warn about discontinuing the cover if you don't provide additional documents required. Do they expect to keep my money for that long and provide me with no cover!!!!
meshosa Avatar
6y, 2m agoPosted 6 years, 2 months ago
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#1
They are within their rights to withdraw cover at any time (and keep a direct proportion of the premium paid) but they certainly have to tell you about it and provide at least (I would have thought) 24 hours notice. Is the site you checked through legit? I really think you have to speak to a real person at AA before jumping to any conclusions. Is there any reason you can think of as to why they would withdraw cover?

Edited By: Penny Saver on Nov 20, 2010 12:34
#2
I had this once. As far as I was concerned I was paying each month and had a certificate of insurance . The database is not 100% accurate just be aware there is more likelihood of being stopped by police. If you have paid and have a certificate you are covered but I would phone just to double check

Edited By: wookiemummy on Nov 20, 2010 12:36
#3
Just been on the phone they can't discuss with me as policy is in the wife's name and she is not answering the mobile,TYPICAL!
The site I used is from DVLA website. When I called they said something flagged up and need to speak to ploicy holder. We don't have any reason to be declined. Why did they not call or write to us if something flagged up!
#4
meshosa
Just been on the phone they can't discuss with me as policy is in the wife's name and she is not answering the mobile,TYPICAL!
The site I used is from DVLA website. When I called they said something flagged up and need to speak to ploicy holder. We don't have any reason to be declined. Why did they not call or write to us if something flagged up!


Hmm, sounds very odd. I'd be getting cross by now. Could they not even tell you if she was still insured or not? If you nip out now, are you covered??? It's illegal to drive without cover. Let us know what happens...
#5
this happened to me this year and was an absolute NIGHTMARE, i took out a policy last year and paid in FULL to Dial Direct and received the documents in the post a while after, i got stopped by the police about a month BEFORE my policy was up for renewal and was told the vehicle wasn't insured, the police impounded my vehicle resulting in me having to walk home with my son (very embarrassing) i then got on the phone to see what had gone on. I was told that my policy had ended because i hadn't given them my bank details to take payments from, i told them i'd recieved nothing regarding cancellation and that my bank details weren't needed as i had paid my policy in full which they disputed!! I had to get statements from my bank to prove the money had been paid and then had to reinsure my vehicle (elsewhere i might add) and then pay the £150 charge to release my vehicle!!! I made a claim against Dial Direct for loss of earnings (i had to take 2 days off work to sort the whole mess out) and the impound charge, they only agreed to pay the impound charge!! The police were still going to prosecute as technically i wasn't insured, about 8 weeks after the incident i got a letter saying that due to it being a fault on Dial Directs behalf they weren't going to prosecute

so in short get on the phone to AA and find out what the hells going on because i wouldn't wish the above on anybody!!
#6
I had this the other day with Endsleigh. I had paid in full at the beginning of November, then nothing until November 8th saying Ii hadn't been covered from the end of October (well, 24th) because they had asked for no claims proof. Fairly standard, but when i took the policy out it stated that no claims proof was only needed if asked.
they then said they had asked me by letter (which I hadn't received) so I had been driving round for 2 weeks with no insurance AND I had gone through the ANPR cameras set up by police on the A34 (lucky escape!)
Worst part was, I am 33 and have had insurance since my 17th birthday, and More Than (who I was with previously) stated I only had 5 years no claims because 'thats all they recognise'!!!

Insurance companies are a joke!!!
[mod]#7
It's your responsibility to ensure you are covered. They may have posted stuff out to you but Royal Mail lose mail.

If you've come across this by accident then feel lucky..........if you have had an accident or been pulled over then it's a harsh lesson heading your way.
#8
bassman_uk
More Than (who I was with previously) stated I only had 5 years no claims because 'thats all they recognise'!!!Insurance companies are a joke!!!

The tried that with me but I pointed out the proof of no claims I gave them showed I had more than 5 years so they sent me a letter to say I had over 9 years as proof to pass on to RAC insurance when I switched.
#9
DAMNOME
bassman_uk
More Than (who I was with previously) stated I only had 5 years no claims because 'thats all they recognise'!!!Insurance companies are a joke!!!


The tried that with me but I pointed out the proof of no claims I gave them showed I had more than 5 years so they sent me a letter to say I had over 9 years as proof to pass on to RAC insurance when I switched.


I sorted it eventually, but I had to go back to Esure who I was with before them to get it sorted
#10
All sorted, they said it is definitely insured and this could be a glitch on the sytem. They are sending new documents in the post. Thanks to everyone.

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