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Author Insurance cancelation fee - any way around it?
Matt H
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Registered: 11th Sep 01
Location: South Yorkshire
User status: Offline
1st Nov 07 at 14:27   View User's Profile U2U Member Reply With Quote

£50 to click a button & for ME to post documents back to them

Absoloute rip off

Surely this is is a piss take & there is a way around it? Similar to skanky bank charges?
Graham88
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Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
1st Nov 07 at 14:28   View User's Profile U2U Member Reply With Quote

I got charged £30 to cancel insurance but I got £120 back so wasn't too worried
Matt H
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Registered: 11th Sep 01
Location: South Yorkshire
User status: Offline
1st Nov 07 at 14:37   View User's Profile U2U Member Reply With Quote

Back for what?
a_j_mair
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Registered: 23rd Jan 04
Location: Scotland
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1st Nov 07 at 14:37   View User's Profile U2U Member Reply With Quote

dont cancel

Matt H
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Registered: 11th Sep 01
Location: South Yorkshire
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1st Nov 07 at 14:46   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by a_j_mair
dont cancel




They want £300 extra to move to the new car, thats on top of the remaining payments.

Original policy was about £400, of which I've payed just over half. Is about £40 a month & the extra £300 makes it about £70 pm


Or start the year again with someone else & get it at £437.40 for the whole year & about £40pm
CorsAsh
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Registered: 19th Apr 02
Location: Munich
User status: Offline
1st Nov 07 at 14:50   View User's Profile U2U Member Reply With Quote

I cancelled my policy and was charged £40. Then they tried to debit my remaining year's payments (WTF). So after a strong phone call, they backed down saying it was a computer error, and haven't charged me any excess for my accident before I came here Overall win I feel...
a_j_mair
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Registered: 23rd Jan 04
Location: Scotland
User status: Offline
1st Nov 07 at 14:54   View User's Profile U2U Member Reply With Quote

who you with?

a nice letter maybe help
Matt H
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Registered: 11th Sep 01
Location: South Yorkshire
User status: Offline
1st Nov 07 at 14:56   View User's Profile U2U Member Reply With Quote

Endsleigh

Just thought on it would actually be more than £70 a month, would be more like £100!

Balls to that Direct line here I come
LukeD
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Registered: 23rd Jan 07
Location: Shropshire
User status: Offline
1st Nov 07 at 14:56   View User's Profile U2U Member Reply With Quote

just rang up quinn-direct regarding same issues.

want to insure on a 2.0 corsa!- and they wont touch it with a barge pole!

So i asked about cancelling policy, and its 50 quid! Would i get any money back as i have around 8months left of my insurance?
Matt H
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Registered: 11th Sep 01
Location: South Yorkshire
User status: Offline
1st Nov 07 at 14:57   View User's Profile U2U Member Reply With Quote

Depends how you pay it

If it's per month then no, if it's upfront you'd get it back pro rata
Graham88
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Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
1st Nov 07 at 15:01   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Matt H
Back for what?


Because I cancelled my insurance when I still had 5 months left, they gave me the money back that I had left, minus the cancellation fee, so I should of got £150.
LukeD
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Registered: 23rd Jan 07
Location: Shropshire
User status: Offline
1st Nov 07 at 15:01   View User's Profile U2U Member Reply With Quote

Paid upfront! around £850! so should get a bit back!..... well hopefully!
TheCam
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Registered: 16th Mar 07
Location: Kirkcaldy
User status: Offline
1st Nov 07 at 15:03   View User's Profile U2U Member Reply With Quote

you will get a fair bit back mate,
ainsley_brader
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Registered: 24th Mar 02
Location: Tattershall, Lincolnshire
User status: Offline
1st Nov 07 at 20:53   View User's Profile U2U Member Reply With Quote

there is a very easy way to get out of cancellation fees if you are in the first year of your insurance but you need to decide wether its worth the hassle for £50
Robin
Premium Member

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Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
1st Nov 07 at 20:54   View Garage View User's Profile U2U Member Reply With Quote

It'll probably be in the paperwork you signed when you took out the policy, so there's not really a lot you can do about it easily.
ainsley_brader
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Registered: 24th Mar 02
Location: Tattershall, Lincolnshire
User status: Offline
1st Nov 07 at 20:57   View User's Profile U2U Member Reply With Quote

Do you sign when you take out insurance?
Robin
Premium Member

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Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
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1st Nov 07 at 20:58   View Garage View User's Profile U2U Member Reply With Quote

I had to last time I did.
Carl
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Registered: 9th May 04
Location: Jimmy Bennett's la la land.
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1st Nov 07 at 20:59   View User's Profile U2U Member Reply With Quote

by taking out the policy you make an agreement, signed or not.
ainsley_brader
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Registered: 24th Mar 02
Location: Tattershall, Lincolnshire
User status: Offline
1st Nov 07 at 21:00   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Carl
by taking out the policy you make an agreement, signed or not.


You know your law well do you?
Robin
Premium Member

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Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
1st Nov 07 at 21:02   View Garage View User's Profile U2U Member Reply With Quote

Why don't you just tell us instead of all of this?
ainsley_brader
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Registered: 24th Mar 02
Location: Tattershall, Lincolnshire
User status: Offline
1st Nov 07 at 21:07   View User's Profile U2U Member Reply With Quote

Sorry Robin I will do in a bit when ive finished cooking tea. Atm i'm just browsing can't do a long type and cook at the same time!
C00RSA
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Registered: 7th Jun 05
Location: Hertfordshire
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1st Nov 07 at 21:08   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Carl
by taking out the policy you make an agreement, signed or not.


They should have told you about cancelling insurance when you spoke to them, they should have advised you that there is a charge. If you can prove they didn't then you might be able to get out of it but it would be very hard to do.

Basically you will have to pay it!
Carl
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Registered: 9th May 04
Location: Jimmy Bennett's la la land.
User status: Offline
1st Nov 07 at 21:09   View User's Profile U2U Member Reply With Quote

I'm just stating that taking out the policy is an agreement, I've never signed for any insurance, so if there is no contract there then i'm getting bummed as i'm paying for fuck all. Surely if you have willing paid them for their services that is entering into a contract. (not saying you can't get out of it or anything just stating a fact.)
C00RSA
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Registered: 7th Jun 05
Location: Hertfordshire
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1st Nov 07 at 21:11   View User's Profile U2U Member Reply With Quote

Carl I'm not going against you mate, sorry if you thought that.

You do take out and agreement, you don't have to sign.
87dannyboy
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Registered: 24th Sep 07
Location: middlesex
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1st Nov 07 at 22:01   View User's Profile U2U Member Reply With Quote

when i was with tesco and drove a 1.1 pug 106 and wanted to get a tigra they said they wouldnt insure me on it, so i asked about cancelling and they said i would have to pay charges. so i called customer services and explained the situation and they said because they wouldnt insure me on the car that i wanted they had to cancel it for free. as they couldnt meet my needs.

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