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Kwikfit Insurance

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Took a motor insurance policy with the above in April and had nothing but problem after problem.Today i finally decided that i have had enough and when i telephoned them to cancel my policy i was info…
keithcrewe Avatar
6y, 8m agoPosted 6 years, 8 months ago
Took a motor insurance policy with the above in April and had nothing but problem after problem.Today i finally decided that i have had enough and when i telephoned them to cancel my policy i was informed it would cost £50.I was wondering if this is legal and if anyone had any similar problems with them?
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keithcrewe Avatar
6y, 8m agoPosted 6 years, 8 months ago
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banned#1
what do you mean problem after problem, if you have used the policy i am surprised you can cancel it
banned#2
£50 is perfectly allowed, why don't you explain the problems.
#3
Probably a time on risk charge - if you've been on cover with them for a month or two.
#4
Yes I had exactly the same problem a few weeks back trying to sort insurance for my daughter. What they failed to inform me, when I took the insurance out, was once she passes her test the premiums will almost double!!! They were gonna charge me around £45 cancellation fee. I wanted to cancel the day after I took the insurance out, once I found out the premiums would double from a friend. I argued they had mis sold me the insurance and I will seek legal action against them and muddy their name in every forum I can find. They finally backed down, a little, and credited me back £20 So whilst not a perfect result, it was a little easier to swallow. Apparently this is common practice and they think they did nothing wrong. How am i supposed to know the premiums will double once you pass your test???
#5
Lofty124
Yes I had exactly the same problem a few weeks back trying to sort insurance for my daughter. What they failed to inform me, when I took the insurance out, was once she passes her test the premiums will almost double!!! They were gonna charge me around £45 cancellation fee. I wanted to cancel the day after I took the insurance out, once I found out the premiums would double from a friend. I argued they had mis sold me the insurance and I will seek legal action against them and muddy their name in every forum I can find. They finally backed down, a little, and credited me back £20 So whilst not a perfect result, it was a little easier to swallow. Apparently this is common practice and they think they did nothing wrong. How am i supposed to know the premiums will double once you pass your test???
As far as I'm aware this is the same across most if not all insurers, once she's out driving on her own unsupervised she's a much greater liability than if she'd had someone experienced telling her what to do. In their defence, they don't know whether she'll pass her test this year, next or the one after when they quote you for one year's cover...
#6
I took a policy with them in April just before i was due to go on holiday so i informed them via phone and asked if they wanted me to send my proof of no claims bonus and was told no,dont worry we will send you a prepaid envelope.My problems started when i returned from holiday to find two letters charging me £10 for not supplying the info.I phoned them immediately and explained but they had no recored of my earlier call.I then sent them exactly what they had requested from my previous insurer ie new policy documents and proof of no claims .I then recieved another £10 "fine" because i had not supplied the correct documents,i told them i had made a copy and would resend them,which they insisted were the wrong documents although they were word for word exactly what they had asked for.After several phone calls and lots of stress they apparently agreed i had in fact supplied the correct documentation.
I then had a phone call to say that my partner had a claim some months before on another policy and now the premium would rise from £320 to almost £600! She had failed to put her handbrake on fully and her car crept forward 4 feet and touched another car causing damage the size of no more than a ten pence piece,she gave the guy her details and thought no more about it until this phone call.Apparently he had a new back end on a Focus costing around £650!
I instructed Kwikfit to take her off the policy as this policy was for my Lotus and it rarely comes out of the garage and if she needed to drive it then she could on her own policy.
I was told that it was not a problem to take her off and it would only cost another £35 for admin charge!
I put that to bed until i realise they had taken £60 plus from my direct debit and i decided to cut my losses and cancel the policy and put it down to experience.
I was then told if i wanted to cancel it would be £50 admin charge plus any days on the road,apparently came to a total of £207.75,when i questioned where the extra £157.75 came from i really did not get an understandable reply,I told them to hold it until i check my bank account to see exactly what i had paid them.As a footnote i asked if she thought i would ever return to Kwikfit or insure any of out two other vehicles with them?
About 15 minutes later i get a call back with an apology that the lady had made a mistake and her managers were looking into it and ingnore anything she had said????
My advise would be think carefully before engaging in any business with Kwikfit insurance.
#7
To be honest, this reasoning did not occur to me whilst searching for a deal on insurance. Im sure im not alone in this??? With regard to your comment that the insurer does not know if, or when, the driver will pass their test...fair enough, but they should still mention the fact that should they pass, during the term of the insurance, the premiums will almost double. Its a small sentence to mention, but means a heck of a lot! So no, there is nothing in their defence. Put simply, they are mis selling.
banned#8
You have a lotus and are moaning about a £50 admin charge.

I bet you take your cars to kwikfit for them to fix too?
banned#9
pmsl @ at your partner not knowing a claim had been made on their insurance, sounds more like you giving them the run around
#10
lumoruk
You have a lotus and are moaning about a £50 admin charge.I bet you take your cars to kwikfit for them to fix too?
Do you have a problem with people that have got off their backside and earned a good enough living to allow a few luxuries? I really do not see the connection with the thread?
#11
Lofty124
Yes I had exactly the same problem a few weeks back trying to sort insurance for my daughter. What they failed to inform me, when I took the insurance out, was once she passes her test the premiums will almost double!!! They were gonna charge me around £45 cancellation fee. I wanted to cancel the day after I took the insurance out, once I found out the premiums would double from a friend. I argued they had mis sold me the insurance and I will seek legal action against them and muddy their name in every forum I can find. They finally backed down, a little, and credited me back £20 So whilst not a perfect result, it was a little easier to swallow. Apparently this is common practice and they think they did nothing wrong. How am i supposed to know the premiums will double once you pass your test???
Thanks for your relative comment,my point being that kwikfit seem to make lots of money through extras and admin charges.
#12
@Lofty, just had a quick look on the KwikFit website, in the important information section that has to be ticked before you can get a quote it does say words to the effect of Your premium is based upon the information you give us when you take out the policy. Any changes in circumstances should be communicated to us as and when they occur. Same in the policy document that you accept before committing to purchasing the policy.

@keith - the same documents/ webpages listed above note the £50 admin charge should you cancel your policy after 14 days. This is because KF are a reseller, they don't actually run or own the insurance policies that you end up buying. When you cancel, their insurers refund your money but KF keep their commission back from this that they would have earned from the insurer over the course of your policy, that's why they charge extras and admin charges, because that's the only area they make money on. The insurers pocket the rest.
#13
[quote=IndianaBlues]@Lofty, just had a quick look on the KwikFit website, in the important information section that has to be ticked before you can get a quote it does say words to the effect of Your premium is based upon the information you give us when you take out the policy. Any changes in circumstances should be communicated to us as and when they occur. Same in the policy document that you accept before committing to purchasing the policy.@keith - the same documents/ webpages listed above note the £50 admin charge should you cancel your policy after 14 days. This is because KF are a reseller, they don't actually run or own the insurance policies that you end up buying. When you cancel, their insurers refund your money but KF keep their commission back from this that they would have earned from the insurer over the course of your policy.[/quote



Thanks for your input and yes i realise that there would be some sort of cancellation fee but i was questioning the the extra £157.75,the unsympathertic staff and the fact that one department does not seem to know what the other is doing.I am coming to you for motor insurance next time!
1 Like #14
Lol, I've only cancelled one policy (Lloyds) and there was only a month's charge on that, but have been with Admiral for the last 4 or 5 years and they always seem to be on the ball and cheaper than elsewhere as a bonus. Ironically they charge me less for having myself and my wife as a learner in the car than just me on my own! Also a bug(?) on their system seems to make it cheaper for cars to be on the street rather than in the garage (helpful hint there!).
banned#15
Surely everyone knows you cant get shi--er than a kwikfit fitter. Insurance is just as bad.
banned#16
You were driving on a void policy, think yourself lucky you didnt crash into someone.
banned#17
I had a similar problem with AA insurance, they were a nightmare to deal with. I typed in all my correct details on a price comparison website and declared all my points etc, and then clicked through to take out the quote with AA insurance. Once on their website, there was no option to either review or edit all the details previously inputted into the comparison site, just a few basic ones. So took out the policy, didnt get the documents until almost 2 weeks and several phone calls later, only to find that my points are not on there. With my previous insurance company when i declared them, there was no change in premiums so i thought ill give them a call and it should be easily amended. But no, they wanted to charge me £200 odd extra for 3 speeding points, which meant that there were atleast 8 other companies on the price comparison website that would have been cheaper, so i told them i wanted to cancel. They told me there would be an admit and cancellation charge and time of cover charge. I told them that the time of cover charge was reasonable, but the others were not, because i wasnt changing my mind and cancelling, it was due to an error beyond my control, but they insisted and pushed. I them reported them to my credit card company and the FSA ombudsman if i remember correctly, and months of hassle later they refunded me the cancellation charge.
#18
IndianaBlues
@Lofty, just had a quick look on the KwikFit website, in the important information section that has to be ticked before you can get a quote it does say words to the effect of Your premium is based upon the information you give us when you take out the policy. Any changes in circumstances should be communicated to us as and when they occur. Same in the policy document that you accept before committing to purchasing the policy.



I didnt get a quote online it was over the telephone so the agent had every opportunity to point out one VERY important piece of small print.
#19
Lofty124
IndianaBlues
@Lofty, just had a quick look on the KwikFit website, in the important information section that has to be ticked before you can get a quote it does say words to the effect of Your premium is based upon the information you give us when you take out the policy. Any changes in circumstances should be communicated to us as and when they occur. Same in the policy document that you accept before committing to purchasing the policy.
I didnt get a quote online it was over the telephone so the agent had every opportunity to point out one VERY important piece of small print.

I would have thought that it is a very obvious fact to anyone taking out car insurance that your premiums go up after you pass as you are more of a threat unaided. It was obvious to me when i took out mine thats why i checked prices for both, same for my finacee, sister, friends . . . . . . .
#20
IndianaBlues


I would have thought that it is a very obvious fact to anyone taking out car insurance that your premiums go up after you pass as you are more of a threat unaided. It was obvious to me when i took out mine thats why i checked prices for both, same for my finacee, sister, friends . . . . . . .


If it was so obvious to you why did you find the need to check? The last time I made an enquiry for car insurance was around 10 years ago, as I use a company car and thus have no need to seek my own insurance. I still think, knowing full well its highly likely the person will be passing their test within the year, that they should mention the premium will rise.
#21
Lofty124
IndianaBlues
I would have thought that it is a very obvious fact to anyone taking out car insurance that your premiums go up after you pass as you are more of a threat unaided. It was obvious to me when i took out mine thats why i checked prices for both, same for my finacee, sister, friends . . . . . . .
If it was so obvious to you why did you find the need to check? The last time I made an enquiry for car insurance was around 10 years ago, as I use a company car and thus have no need to seek my own insurance. I still think, knowing full well its highly likely the person will be passing their test within the year, that they should mention the premium will rise.

Why did i find the need to check? because i wanted to know how much it was going to go up by of course! I knew very well it was going to rise but i obviously wanted to know by how much.
Based on the fact that you can't see a reason for checking id like to sell insurance to you, its going up by some amount at some point but im not telling you by how much, its ok though right because you know its going to happen? See what i mean? theres my reason for checking both and if you want another reason some companies raise their prices by more than others after you pass your test. I didnt go for the cheapest outright, i went for the one that was lowest after i passed, their not always the same you know.
#22
I'd love to know why the last 3 posts have all quoted me... :s
#23
IndianaBlues
I'd love to know why the last 3 posts have all quoted me... :s

Because lofty124 incorrectly quoted you instead of me.
#24
Their insurance sound a lot like their tyre shops!

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