Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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Lloyds TSB is where it's al  Went from my 1.4 Corsa to this 1.6 pug and they never charged me a penny 
They have also in the past gave me free insurance on a courtesy car for a couple of days. Never moaned when i claimed for 2 side windows after my car was broken into, just asked for the excess.
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ainsley_brader
Member
Registered: 24th Mar 02
Location: Tattershall, Lincolnshire
User status: Offline
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Right long story short Adrian Fux gave me a quote about £600. I paid it and a week later they said they had got it wrong and it was about £1000. I owed them £400. I cancelled the policy 1 month in and told them to whistle. They then threatened me with court for the £400. I replied with the following...
A contract can be deemed to have started with a signature, a shake of hands or the exchange of money! Under English law the terms of the contract should be set out in advance so you should be aware of all terms before any money changes hands. (I dont care about scottish law or anything else thanks)
In most cases and in mine I pointed out that I had paid before getting the policy and therefore the terms, so as far as i was aware there was no cancellation fee.
In my experience insurance companys will never go into detail of this sort over the phone. However ask for phone records they will not refuse you a copy. They can't!
In my instance A. Fux decided I no longer needed to pay them the £400 and infact returned me some money (about £400 i think, it was literally £1000 equally divided by 12 months less 1 month whatever that is).
I expect this would work in 90% of cases if its a first year. If you were insured with them the previous year then you would already have there terms and conditions.
This also applies in many other circumstances. Anywhere you pay an invoice and the t and c's are on the reverse and you don't get to read them until afterwards they dont count for much at all!
Recently we had an argos card with say £500 on it 9 months interest free. What we didnt realise was that after 9 months it doesnt start accrueing interest from then it back dates it for 9 months and Argos charged us around the £100 mark in interest.
A quick letter to them pointing out that we weren't aware of this when we signed for the card and the earliest we could have found out was when the terms came with the cards in the post and sure enough argos refunded the £100.
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cunningham
Member
Registered: 25th May 05
Location: Lochore, Fife
User status: Offline
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my mate who was 18 at the time got a qoute ona crx 1.6vtec b16a and it came up 900 fully comp being only 18 he snapped there hand off later to find out they had made an error but gave him a years cover anyways
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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ive cancelled insurance twice and they sent me a letter afterwards informing me of cancellation fee, i called and said i wasnt paying as its the first id heard of it etc and didnt have to pay either time
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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I didn't pay it with Admiral but then I was only cancelling so I could take out a multi-car with the same company, which is grounds enough to have to have it waived - there was over a grands worth of business riding on them losing the 40 quid fee.
I would imagine if you can convince Endsleigh that you might spend some money with them at some point in the future they might do something. I never will as they ballsed up some cancellation stuff with me years ago and cost me about £180 quid in additional premium when I was old enough and should have been paying less.
They didn't refund and I've not used them since. They've probably lost in the region of 15-20 times the amount in dispute by not doing as I asked, which isn't actually good business.
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