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[Kevin Wood]

took a policy out on an omega 19th sept, just recieved a letter saying they are backdating the policy to the 4th may as the car was already in the household, & stuck Xhundred pounds onto the policy. do they have rights to do this?. the car was insured up until september via AA in the wifes name.
surely this cannot be done?.
any advice welcome please.
jon

If insurance policies could be legally back dated then nobody would need to buy insurance. We'd wait till we needed insurance & then buy a back dated policy from before we crashed/were burgled/etc

Yeah, perhaps you should try telling them you were involved in a 6 car pile-up on June and have a long list of injury claims for them to consider.

[The Red Baron]

took a policy out on an omega 19th sept, just recieved a letter saying they are backdating the policy to the 4th may as the car was already in the household, & stuck Xhundred pounds onto the policy. do they have rights to do this?. the car was insured up until september via AA in the wifes name.
surely this cannot be done?.
any advice welcome please.
jon

If insurance policies could be legally back dated then nobody would need to buy insurance. We'd wait till we needed insurance & then buy a back dated policy from before we crashed/were burgled/etc

how very true, but when they want to screw you for your there pennies its different eh.

[blackviper90210]

Provide the details of the previous insurance on the car... I'm sure that a vehicle can only be insured by one policy!!!

[The Red Baron]

Provide the details of the previous insurance on the car... I'm sure that a vehicle can only be insured by one policy!!!

thats my understanding dave.

[blackviper90210]

Go get 'em Jon and if that doesn't work....send in SWMBO

I wouldn't argue with mine when she's got a cob on

[General Melchett]

Just cancelling hte DD wont work.  You will have to call them and cancel the policy which you can do up to 14 days after the start date.  They may charge an admin charge and fo rany cover used but only based on what they quoted you.

[aaronjb]

im going to put the mv6 off the road for a while as it needs a bit of work, got a nice lpg 3.0l to play with now anyway with a different insurance company, so stuff em i say.
why cant companies play fair these days.

Don't forget to SORN it.. can't have a car taxed but uninsured now: http://www.direct.gov.uk/en/Motoring/OwningAVehicle/Motorinsurance/DG_186696

[The Red Baron]

Just cancelling hte DD wont work.  You will have to call them and cancel the policy which you can do up to 14 days after the start date.  They may charge an admin charge and fo rany cover used but only based on what they quoted you.

as the policy was taken out on 19th september i think the 14 days have passed.

[mantahatch]

I wonder what they would do if you had owned a car for say 5 years, would they want to back date it to when you bought it ?

I also wonder, did you have the car sat with no insurance, but still had a tax disc ? Cause as said above that is no loher allowed.

[The Red Baron]

I wonder what they would do if you had owned a car for say 5 years, would they want to back date it to when you bought it ?

I also wonder, did you have the car sat with no insurance, but still had a tax disc ? Cause as said above that is no loher allowed.

it was on the road with the wife, with an insurance through the AA.

[D]

Makes no sense. If you have simply switched policies when one expired, then how can you backdate anything? In fact its illegal to have 2 policies on the same car. So if you can prove that there was an existing policy on the car from May to Sept then Kwik fit have no case. Even if you did not have previous insurance, its your choice as to when a new policy starts. Ask to speak to a manager rather than the telephone answering monkey.

[tigers_gonads]

Makes no sense. If you have simply switched policies when one expired, then how can you backdate anything? In fact its illegal to have 2 policies on the same car. So if you can prove that there was an existing policy on the car from May to Sept then Kwik fit have no case. Even if you did not have previous insurance, its your choice as to when a new policy starts. Ask to speak to a manager rather than the telephone answering monkey.

I had fun with them this year 

The tinkers liked to call in direct debits a week early when no money was in the account 
Also at the end of the policy year, I canceled it (giving then 30 days notice in writing) and canceled the direct debit.
They then continued to carry on the insurance even though there was no direct debit setup 

After 2 months of trying to take money off me and charging me for "so called" late payments, they sent the boys round to my house who was  shown a copy of the bankruptcy ticket and other documents like my new insurence documents

Apparently, its a favourette game of theres to try and screw you for a few quid 

If you can prove you was insured, I'd be tempted to tell them to stick it 

Only problem is .............. by now, Kwick Fit would have registered your name with Equfax as a bad dept 

[General Melchett]

Just cancelling hte DD wont work.  You will have to call them and cancel the policy which you can do up to 14 days after the start date.  They may charge an admin charge and fo rany cover used but only based on what they quoted you.

as the policy was taken out on 19th september i think the 14 days have passed.

You could argue this is a new policy as they have changed the goal posts...

[Kevin Wood]

Makes no sense. If you have simply switched policies when one expired, then how can you backdate anything? In fact its illegal to have 2 policies on the same car. So if you can prove that there was an existing policy on the car from May to Sept then Kwik fit have no case. Even if you did not have previous insurance, its your choice as to when a new policy starts. Ask to speak to a manager rather than the telephone answering monkey.

I'm not sure you'd have to, TBH... Not to Kwik Fitup, at any rate.. It's not their responsibility to ensure your car is insured at all times..

Let's say the car wasn't insured for a period (yet it was taxed).. What concern is that of Kwik Fitup? OK, the DVLA, as the authority responsible, might be after you for a fine, or whatever, but I can't see what provision KF have to take it upon themselves to insure the vehicle retrospectively at your expense.

You have entered into a contract to insure your vehicle for a period of time of your specification.. They decide to charge you retrospectively for a period not covered by that contract. Straight to the Ombudsman, IMHO.

It's long been known that if you let them touch your car, they'll make a pig's ear of it. Seems they now have the capability to @rse things up without ever seeing it.

[The Red Baron]

Makes no sense. If you have simply switched policies when one expired, then how can you backdate anything? In fact its illegal to have 2 policies on the same car. So if you can prove that there was an existing policy on the car from May to Sept then Kwik fit have no case. Even if you did not have previous insurance, its your choice as to when a new policy starts. Ask to speak to a manager rather than the telephone answering monkey.

I'm not sure you'd have to, TBH... Not to Kwik Fitup, at any rate.. It's not their responsibility to ensure your car is insured at all times..

Let's say the car wasn't insured for a period (yet it was taxed).. What concern is that of Kwik Fitup? OK, the DVLA, as the authority responsible, might be after you for a fine, or whatever, but I can't see what provision KF have to take it upon themselves to insure the vehicle retrospectively at your expense.

You have entered into a contract to insure your vehicle for a period of time of your specification.. They decide to charge you retrospectively for a period not covered by that contract. Straight to the Ombudsman, IMHO.

It's long been known that if you let them touch your car, they'll make a pig's ear of it. Seems they now have the capability to @rse things up without ever seeing it.

i think that maybe the road im going down. anyone got a linky for them?.