Car Insurance

I recently took out a car insurance policy with Adrian Flux. As things turned out I had cause to cancel it yesterday, and today received an e-mail demanding the balance of the full fee. If I didn't pay it within 7 days they would take the money from the card I had used to pay the deposit.

I immediately e-mailed them back pointing out that one of the eight underlying fundamental principles of DPA 1998 is that data should be held for no longer than was necessary, and as such they were in breach of the DPA still holding my card details. I stated I would be reporting them to the ICO and insisted they confirm, in writing, that all my card data had been removed from their systems.

Several minutes later I received an e-mail stating all card details had been deleted.

I post this as a warning for anyone else with this, or possibly other insurance companies. The danger of ID theft etc... is obviously significantly increased if companies such as these are holding personal data which should be deleted immediately it has been used.

Next time you hand over your card number to pay for something like an insurance deposit, it might be worth asking what is going to happen to your card details once the transaction is complete.

[Celestine]

Re: Car Insurance

Excellent work Labman

[Gorang]

Re: Car Insurance

and today received an e-mail demanding the balance of the full fee. If I didn't pay it within 7 days they would take the money from the card I had used to pay the deposit.

Nice one labman

They obviously know they should NOT of sent that email, so it makes me wonder how many peeps they have done that to and got away with it

IMV you should report them anyway, to the ICO for keeping the details in the first place (even if they didn't keep them, they have said they have kept them) just send them a copy of the 1st email they sent you

think I would also report them to the FSA as all insurance companies are regulated by them if I remember rightly

If you report them to both orgs then adrian flux may think twice before they try that on anyone else, as like I said I wonder how many people thay have done that to and actully took the money

May even be an idea to email the CEO of Adrian Flux and make them aware of what their staff are doing or threatening, as they CAN'T say that its ok and they know about it

You have a good chance to ruffle a few feathers here and help to put a stop to them doing this to other people I think

[CleverClogs]

Re: Car Insurance

I recently took out a car insurance policy with Adrian Flux.

Should one ever buy motor insurance from someone whose name reminds one of diarrhoea?

[labman]

Re: Car Insurance

Nice one labman
They obviously know they should NOT of sent that email, so it makes me wonder how many peeps they have done that to and got away with it

Exactly what I said to my wife. The very fact they responded so swiftly saying my card details had been removed are evidence of guilt:

Date: 08/11/2011
Dear Mr Labman,
Further to the cancellation of your policy we can confirm there is now an outstanding balance on your account with ourselves of £75.04 For the sake of expediency if we do not hear from yourself within the next 7 days, we will assume that you wish us to automatically debit the card that you used to pay for your insurance originally.
For your reference the card used was ************7879.

[Gorang]

Re: Car Insurance

Exactly what I thought, so thats why i thought wait a min, a few feathers could be ruffled here with only 3 emails that could have quite an impact lol

I wonder if they could lose some sort of licence, for keeping your card number, as they have just proved that they did indeed keep your details on record, so if they have kept yours then they will have kept everyone elses also

That is starting to be a scary thought, as any employee has access to your card details, thats a huge risk of fraud being committed, never mind a humungos breach of the DPA

Personally I think this is well worth reporting to the ICO and the FSA

Exactly what I said to my wife. The very fact they responded so swiftly saying my card details had been removed are evidence of guilt:

Date: 08/11/2011
Dear Mr Labman,
Further to the cancellation of your policy we can confirm there is now an outstanding balance on your account with ourselves of £75.04 For the sake of expediency if we do not hear from yourself within the next 7 days, we will assume that you wish us to automatically debit the card that you used to pay for your insurance originally.
For your reference the card used was ************7879.

[labman]

Re: Car Insurance

Should one ever buy motor insurance from someone whose name reminds one of diarrhoea?

It's a running credit agreement!

[TUTTSI]

Re: Car Insurance

They should have a licence from the ICO. The Data Controller could be in a lot of problems. I would check out the ICO web site

[labman]

Re: Car Insurance

I'm rather hoping that this mess up on their part will pay the ridiculous amount that they want off me, and which I certainly have no intention of paying at the moment.

Discovered yesterday that Vanquis do the same thing. They sent me a text saying they would be debiting my card from details held. I sent one back, with e-mail and hard copy saying no you won't and why are you holding my card details?

It makes you wonder just how many organisations are doing this - many more than we know of I suspect.

[mikaflores]

Re: Car Insurance

Any suggestions where i can insure my car with low premium and flexible terms of payment? I am 21 years of age and Looking for company to insure my car. Hope you will help me to find a cheaper and Flexible deals

[TUTTSI]

Re: Car Insurance

Sorry we dont sell car insurance on this site but you could look at compare the market dot com http://www.google.co.uk/aclk?sa=L&ai...26ds_url_v%3D2 or sites like this.

Any suggestions where i can insure my car with low premium and flexible terms of payment? I am 21 years of age and Looking for company to insure my car. Hope you will help me to find a cheaper and Flexible deals

[charitynjw]

Re: Car Insurance

Exactly what I said to my wife. The very fact they responded so swiftly saying my card details had been removed are evidence of guilt:

Date: 08/11/2011
Dear Mr Labman,
Further to the cancellation of your policy we can confirm there is now an outstanding balance on your account with ourselves of £75.04 For the sake of expediency if we do not hear from yourself within the next 7 days, we will assume that you wish us to automatically debit the card that you used to pay for your insurance originally.
For your reference the card used was ************7879.

Sorry, labman, I didn't quite catch those first few numbers? :whistle:

[righty]

Re: Car Insurance

Be warned they may claim you set up a continuing CC payment AND this is why they retained your details

When making a single CC payment for such things as annual insurance etc make sure they don't record it as continuing & if in doubt replace your card I did. In doing so I foiled the RAC from taking another annual payment AFTER I had cancelled the cover

[mikaflores]

Re: Car Insurance

Sorry we dont sell car insurance on this site but you could look at compare the market dot com or sites like this.

aw. I am sorry. I thought this website offers a car insurance. I just had research on google and your website appears in the keyword that im going though. But still I found now the website offers a car insurance. Thanks for your info.

[labman]

Re: Car Insurance

Sorry, labman, I didn't quite catch those first few numbers? :whistle:

Trust me, you wouldn't get far even if you did know them!