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Insurance policy cancelled - bad news?

Benjimoron Avatar
8y, 2w agoPosted 8 years, 2 weeks ago
You may have read my last post about this. Norwich Union have requested my driving licence of which I have lost the paper counterpart. I have done everything in my power to get it to them but the replacement has not arrived from the dvla yet. I expect it to arrive by Monday.

I have left permission with the DVLA for Norwich Union to be able to check anything about my licence that they want. I have offered to send them my photocard but they have refused. I can do no more until the replacement arrives. I told them about this a few days ago and they said it was fine. Now I have received a letter to say my policy will be cancelled as I haven't provided them with the photocopy (even though I have offered photocard and a call to the dvla and have promised that I will do everything in my power to get the photocopy to them ASAP).

Phoned them up and they said no-one can do anything until Monday and that the policy is cancelled. Told them to write that I've offered various things in the meantime and they've refused them.

Hoping that on Monday they can advise that policy won't be cancelled and I can get them what they need ASAP, really annoyed that they have refused to phone DVLA to check my address as that's the only problem they have. The ironic thing is that I've received all the letters which should go someway towards proving that I live here!

So, let's say they cancel the policy, does that cause me a problem in the future? Do I have to phone everytime I want insurance as they'd cancelled on me? Does it make my insurance more expensive? Lack of quidco coming my way in the future I think!
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Benjimoron Avatar
8y, 2w agoPosted 8 years, 2 weeks ago
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#1
To be honest as they have shown a TOTAL lack of understanding I would insure now with another company.

Tell the other company to request proof of no claims from NU and move on. I had problems with them and they are so pathetic at customer services I too insured elsewhere.

The paper counterpart has endorsements on it which are also easily available to the insurers on a database shared with the police ...AKA number plate recognition etc. so is not critical to them.

Bin em they are carp ;-)
#2
Most insurers ask have you ever been refused insurance, had terms imposed or a policy cancelled. To keep your new policy totally valid you would need to disclose this to the new company. Once the full details are presented, you shouldn't have any problems but I would avoid online deals as this wording is probably hidden away somewhere on the policy conditions and easy to miss. Use a broker who you can actually speak to and who can refer it to the various insurers on your behalf.
banned#3
I didnt read your last post.

Why do they want to see your license?
#4
Did you ask Norwich Unions Customer service representative what the weather was like in Delhi?
Apparently its quite nice this time of year.


:whistling:
#5
big-boy
To be honest as they have shown a TOTAL lack of understanding I would insure now with another company.

Tell the other company to request proof of no claims from NU and move on. I had problems with them and they are so pathetic at customer services I too insured elsewhere.

The paper counterpart has endorsements on it which are also easily available to the insurers on a database shared with the police ...AKA number plate recognition etc. so is not critical to them.

Bin em they are carp ;-)


They can make all the checks they want, they're just trying to be difficult!

I would move on but it'll cause problems for the rest of my life as I'll always have to disclose it.
#6
marktuck
Most insurers ask have you ever been refused insurance, had terms imposed or a policy cancelled. To keep your new policy totally valid you would need to disclose this to the new company. Once the full details are presented, you shouldn't have any problems but I would avoid online deals as this wording is probably hidden away somewhere on the policy conditions and easy to miss. Use a broker who you can actually speak to and who can refer it to the various insurers on your behalf.


Exactly.

Norwich Union started off by saying that I could go to any other company and would be able to apply on-line. Then after a bit of digging they changed their mind to no I couldn't.
#7
guv
I didnt read your last post.

Why do they want to see your license?


Apparently because of a police check. Told them I'd contacted the police about it and they knew nothing about it. Told Norwich Union they needed to write me an apology for claiming it had something to do with the police when it was actually just because I'd tried to get a quote for a different car. (You may have seen my other thread about insuring a second car)

They tried to say I was being dodgy by using their web-site to get a quote for another car.
#8
Norwich union are idiots.
When i first joined they tried to obtain my no claims bonus details from previous company, but failed. So they sent a letter out to me saying tht as they could not get in touch with my previous insurer (who was provident, who is quite a big company and i would imagine reasonably easy to get hold off), and they cancelled my insurance. Only problem is they sent this letter to my old address (and yes I had informed them of my change of address previously)... so i ended up driving around for two weeks with no insurance and i was none the wiser!!!
#9
Norwich Union are shoddy. I was fine with them until one letter they sent to me went astray and the lack of my response within 7 days prompted them to think that I wished to cancel my insurance with them. They then cancelled my policy and I was driving uninsured for 24 hours until they sent a confirmation of cancellation policy and I had to rapidly rearrange cover with another insurer! AVOID!
banned#10
Benjimoron
Apparently because of a police check. Told them I'd contacted the police about it and they knew nothing about it. Told Norwich Union they needed to write me an apology for claiming it had something to do with the police when it was actually just because I'd tried to get a quote for a different car. (You may have seen my other thread about insuring a second car)

They tried to say I was being dodgy by using their web-site to get a quote for another car.


Nah. Didnt see it. Sounds pretty dumb! Have you asked what exactly their problem is? I insure 2 cars. Never had to show any documents or any other problems.

So are they saying they are cancelling a running policy you have with them? Or just not insuring you?

How many people have a car and get a quote for a car they might want to buy to find out the cost before doing so? I'd have thought that was common practice?
#11
guv
Nah. Didnt see it. Sounds pretty dumb! Have you asked what exactly their problem is? I insure 2 cars. Never had to show any documents or any other problems.

So are they saying they are cancelling a running policy you have with them? Or just not insuring you?

How many people have a car and get a quote for a car they might want to buy to find out the cost before doing so? I'd have thought that was common practice?


I thought it was quite common but they're just trying to be difficult.

They want to cancel my current policy as they don't believe I live where I say I do, even though I've recieved their letters and they have permission from me and the dvla to phone up and check the details they want with the dvla. They won't give me a good reason why they won't phone the dvla, the dvla said that they have insurers calling all the time and it's standard practice for people to leave permission for an insurer to phone within 7 days,
banned#12
Benjimoron
I thought it was quite common but they're just trying to be difficult.

They want to cancel my current policy as they don't believe I live where I say I do, even though I've recieved their letters and they have permission from me and the dvla to phone up and check the details they want with the dvla. They won't give me a good reason why they won't phone the dvla, the dvla said that they have insurers calling all the time and it's standard practice for people to leave permission for an insurer to phone within 7 days,


Sounds like they don't like you! Seems very excessive - not something I've ever heard of before. I use Norwich Union myself for my home insurance. (Booked through First Direct) They've never asked me to prove I live here for that either!:w00t:

They are definately being unreasonable, but I doubt there is much you can do about it (they can cancel policies if they chose.) Do you have home legal assistance on your home insurance? This is a good example of what you can use that for. (ie its a contract issue.) Other than that, try the regulatory body they all fall under. (FSA I believe - though I would imagine you want a quick responce - which they wont give!)
#13
I lol'd at their latest excuse, which was that they need to hear the phone conversation with me last monday otherwise they'll cancel the insurance and cable and wireless can't provide it to them at the moment. Don't know why they've got such a problem. They've confirmed that they've received my licence now (I found it and faxed it before the end of the 7 days they've given me as I couldn't find it). Don't know why they don't just let my insurance continue, do they really want to lose me as a customer? They did say that they could start a new policy so why they can't continue the old one I have no idea, other than the fact that they owe me £40 cashback as part of the policy and if they cancel it they probably think they're going to get away with not paying it. I'd also lose my no claims bonus earned this year (about 5 months).

They're basically saying that they never said that I had 7 days in which to get it to them, hence why I've requested the call as I'm 99.9% sure that's what they said. They said that they'll listen to the call but if I want to listen to it then it'll be £10. Ridiculous that I'll have to pay to prove they're lying. Will pay it though and have told them that I'll have it back if it proves they're wrong.

I lol'd at their excuse the other day which was that the fire alarm was going off so they had to end the call, was quite suprised that I couldn't hear the fire alarm at all, must have been a really quiet one!
banned#14
Keep plugin away. I know you will!
#15
guv
Keep plugin away. I know you will!


Success!!

Got a call from them today saying that they couldn't locate the recording of the call so would just re-instate my policy as it was. It wasn't due to cancel until tomorrow so it'll just carry on as normal.

I know why they "can't locate" the recording of the call, it's because they lied about what they agreed on that call and they don't want to be proven to be liars. Oh well, I'm happy.

Got them to send my my £40 cheque they owe me too, they've been holding onto it until I sent my licence to them. Several calls later and they were still saying they weren't going to send me my cheque so I got onto the manager who agreed to do it but said that the people I spoke to would've been better suited to sort that out for me rather than getting the manager. So I told her in no uncertain terms exactly how useful her staff had been in sorting this out and why I had to ask for the manager.

Just hope they still send me my £40 now!

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