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[Marie]

i have just had the new policy documents arrive in the post to read the print to find out that my policy documents only cover me 3rd party fire and theft. and i asked for fully comp. the quote was for fully comp!!!

well i called them today to find out that to change it to fully comp i would have to cancel my policy loose my deposit (well 80%)and start a new policy and its £100 more a year!!!

god i am so angry!!! why does their website say one thing and then on the phone they say a bl@@dy another!!!

sorry rant over!!!

[Kevin Wood]

If they quoted fully comp it's their mistake surely? There should also be a cooling off period of 14 days where you can cancel without penalty, IIRC. Tell them that you'll exercise your right to do that unless they rectify their error (at no cost to you).

Kevin

[Jimbo B]

Which company Marie? :-?

[PaulW]

If you did the quote online, then it will be there and they can't go back on it.

Also ask for the recorded call tape, most companies keep call records now incase someone tries to be arsey.

Threaten them with the Insurance Ombudsman or whatever it is, state your case and keep at it.  And as Kevin says, if within 14 days, you can cancel it at no cost to yourself with full refund (minus the small period at which cover was valid).

[Omega man 2]

Trying to get insured on a mig at 17  ::)I know how it is dealing with insurance companies. I honestly think they just pluck numbers out of the air

[Marie]

thats what i thought kevin but apparently cos the policy has started they need to deduct the cost of cover so far.

ill have a chat with hubby when he gets home but. dont think i am happy just havin 3rd patry f & t.

oh and by the way its the post office!!!

ill call them back later i think. i want fully comp at the price quoted originally.

[Jimbo B]

Being an old fart I got insured with Saga not the cheapest but good for me, only thing the post office is good for are Stamps

[Kevin Wood]

I am sure that, if you haven't claimed, you are entitled to a full refund during the cooling off period. You don't generally get to see all of the policy documents and small print until it arrives on your doorstep so the safeguard exists to protect people who get sold something that they later discover doesn't meet their needs.

Kevin

[Lizzie_Zoom]

I am sure that, if you haven't claimed, you are entitled to a full refund during the cooling off period. You don't generally get to see all of the policy documents and small print until it arrives on your doorstep so the safeguard exists to protect people who get sold something that they later discover doesn't meet their needs.

Kevin

From the little I know about the legal aspects of insurance policies, I think you are spot on Kevin and there is indeed a full refund guarantee for the cooling off period of 14 days, and especially when "mis-selling" is involved.

[Marie]

ill call them back later and see what they say!

and how much of the deposit i actually loose.

[Kevin Wood]

ill call them back later and see what they say!

and how much of the deposit i actually loose.

Might be worth having a read of this:

https://www.moneysupermarket.com/community/forums/t/cooling-off-period-14732.aspx

My policy says they "reserve the right" to charge a £19 admin fee for cancellation during the 14 day cooling off period. I wouldn't mind betting that, if you can show they didn't deliver what they quoted, you could get that waived too.

They are trying it on.

Kevin

[Kevin Wood]

.. or even this

http://www.consumeractiongroup.co.uk/forum/insurance-assurance-companies/54523-post-office-car-insurance.html

Quote allegedly from the Post Office's policy document:

If you return the certificate of Motor insurance within the first 14 days of receipt of your policy documentation we will refund that part of the premium which relates to the period remaining after we receive the certificate. After that time the following rules apply:

No mention of a cancellation fee, so divide premium by 360, multply by the number of days on cover...

[Chopsdad]

They should cancel for free within 14 days.

The initial period is set so you can review the policy details from the illustration provided.

As this does not suit your needs you can cancel without charge.

As mentioned before ask for contact details of the Ombudsman it will cost them £300 to defend any case and you nothing, so they will always settle after trying it on initially of course.

[Marie]

i have been offered a full refund but once they get their documents back!


i am still on the phone to them as i type!

getting serverly peved off cos their web site states a cheeper quote and they still cant access it!

[fife_omega_v6]

i had same problem trying to cancel a policy no claims or anything on the policy they want £90 to cancel £183 policy!!!