credit agreement with insurance providers

[Hurricane Puffrose]

Re: credit agreement with insurance providers

ok email sent with your alterations

oh to be a fly on the wall!!

[des8]

Re: credit agreement with insurance providers

Being a Saturday morning and with nothing to do (don't tell OH!), I thought I'd examine RCIB's T&Cs.
Only way to get them is to ask for a quote, and then click on "buy now". (For the "cheapest" quotes on line I found it amusing their quote was £60 more than I am paying for an agreed value policy on my classic!)
Anyway, when you get to the T&Cs they tell the insured there is a 14 day cancellation period at pro rata premium from reception of policy documents. Not quite what they are trying to charge you.
Certainly nothing on them to suggest they are acting as the insured's agent.
The other problem is that you can't retain the T&Cs (or at least I can't) As soon as I go to another window they disappear so wording above is a paraphrase.

I'm improving: managed to capture the wording:
"If you are a private customer, you have the right to cancel a new policy within 14 days of when you purchase your policy or of when you receive your policy documents, whichever is later."

[Hurricane Puffrose]

Re: credit agreement with insurance providers

VEEEEEEEEEEEEEERY interesting!!

I got a default notice from the credit company.. will email them asking what they think they are playing at too!!

[Hurricane Puffrose]

Re: credit agreement with insurance providers

1 default notice removed, no arguments just a sincere apology for the inconvienence and their mistakes

[Hurricane Puffrose]

Re: credit agreement with insurance providers

no respose from RCIB, i am now escalating this to their complaints (no email address to do it in writing - obviously).
I think I am right in saying I have a strong case for the FCA to look in to, happy to do that too

I believe the words "If you check your terms and conditions..." will be a huge help

[des8]

Re: credit agreement with insurance providers

The big problem is that it was standard practice to issue cover notes to insureds, whilst they were not present, and yet it was accepted that insurers were on risk the moment the c/n was issued. Hence the time of issuance was noted on the document. In those cases the broker would by implication be acting as agent for the insured, and so the document would be regarded as delivered. The c/n would then either be sent to insured or retained for his collection in person. Either way it was HIS document.
In your case they actually refused to release the document to you, so they could not be said to be acting as your agent(they refused your instructions) and to advise that the details were on a database (which? where? why?) was not sufficient for the regulations then in force.
You will argue: docs not delivered therefore no cover therefore no risk therefore no premium due.
They will argue current practice, and insurers will probably back them up saying they would have met any valid claim.

I personally wouldn't bother with FCA at this stage. They don't deal with individual complaints and the FOS IMO is a waste of space.
I would concentrate on RCIB. and work on getting a refund from them.

[Hurricane Puffrose]

Re: credit agreement with insurance providers

OMG Des you would have been so proud!!

I got this snotty woman on the phone who told me I was through to the wrong people, until I quoted her the number on the website, and then started about how Im not entitled to a penny, until I hit her with "Well on your website your t's and c's say this... and did you know it is a legal requirement under THIS to send these documents?!? So, i require a full refund, sooner rather than later have a REALLY pleasant day!!"

She went totally silent, I heard a click where she obviously was trying to cover her mike (how unprofessional) and she whispered "This one knows what she's talking about.. what do i do?!"

I went "Transfer me to complaints?!?"

They are ringing me back.. and I cant flamin see im laughing so hard!!

[MIKE770]

Re: credit agreement with insurance providers

They were hoping you went in "A Puff Of Smoke"?

[Hurricane Puffrose]

Re: credit agreement with insurance providers

msl: I think so!

I swear the atmosphere in my living room changed and the air went icy, and she was totally shell shocked!!

I put the phone down and roared laughing, and Hubby looked at me and went you EVIL WICKED woman!!!

YUUUUUUUUUP!!!!!

[Hurricane Puffrose]

Re: credit agreement with insurance providers

email through saying that they had sent me my covernote..
what a crock of crap!

[Hurricane Puffrose]

Re: credit agreement with insurance providers

LMAO they have provided me with the T&cs..

adding this




Thank you for your email & I apologise for the late reply.

I have referred your complaint to our compliance team.

When you took this policy out, you were issued with a temporary cover note on the 06/06/2015 at 00:01, which was valid till the 06/07/2015. This was emailed to the email address that you provided us with () on the 05/06/2015 at 14:29.
Therefore you were fully insured & had cover up until the policy was cancelled on the 30/06/2015.

As per our terms & conditions, the cancellation fee you have been quoted still applies.
You can either settle this debt in full or we can set up an interest free payment plan.

If you have any further questions, please do not hesitate to contact us.


--------------------------------------------------------------------------------------------------------------------------

Dear sir/madam

I refer you to your own t&cs, If you are a private customer, you have the right to cancel a new policy within 14 days of when you purchase your policy or of when you receive your policy documents, whichever is later.


I am yet to recieve any documents of insurance, hence my cancellation of this product. I therefore am within my 14 days and require a refund of all monies paid.


please note:
as no cover note nor certificate was ever delivered, no such policy was ever effective (as per Motor Vehicles (Compulsory Insurance) Regulations 1992 sec 147)



When I contacted your call centre I was told that documents would be sent once my proof of no claims bonus was sent, I dispute your charges as due to the above Act, and your own T&Cs, I am not due to pay these

[des8]

Re: credit agreement with insurance providers

"you were issued with a temporary cover note on the 06/06/2015 at 00:01, which was valid till the 06/07/2015. This was emailed to the email address that you provided us with () on the 05/06/2015 at 14:29."

They don't even speak "insurancese" properly. How come they sent you a cover note on 05/06 when it wasn't issued until 06/06?
I suspect what they mean is they issued and sent a cover note on 05/06 which took effect as from 06/06, but it ain't what they say.
Did you actually get that cover note? Search the dustbin as it was probably rubbish anyway!

and of course they have your agreement to the electronic delivery of the covernote as per RTA 1988:
A certificate is transmitted electronically by an insurer to a person in accordance with this subsection if—

(a)

on effecting the policy to which the certificate relates, the person agreed to its electronic transmission for the purposes of subsection (1) above, and

(b)

the certificate is transmitted by the insurer to an electronic address specified by the person for this purpose.

[Hurricane Puffrose]

Re: credit agreement with insurance providers

nope

[des8]

Re: credit agreement with insurance providers

As a matter of interest what exact time and date did you require your policy to run from?
Did you apply on line?
Did they send you a proposal form to be signed and returned to them?

[Hurricane Puffrose]

Re: credit agreement with insurance providers

I took the policy out online 5.6.2015 to start 6.6.2015 (day I picked the car up) but I had to call the call centre as you were "not fully covered" until you spoke to the sales team..

I spoke to the Sales Team, explaining the proofs I had and told yes this would be fine and acceptable, was told they would send docs in the post for me to sign and return... never arrived.

My lovely nuttysis (one of my closet friends) passed the following friday and I admit everything else went out the window, started getting emails asking for proofs.

sent proof required (Back and front of drivers licence, proof of named driver experience, proof of hubbys NCD)

Got multiple emails saying they had never recieved any of it, called in before going to Newcastle to complain and say leave me alone I dont even know what day it is, told to email everything there and then, emailled again, advisor admitted they had everything.

Got 4 phone calls en route to Newcastle from RCIB re my proofs, which they admitted they had but now were not good enough, took my NI number to check with DVLA for proof of no accidents as I have mislaid the paper copy of my licence (this was never asked for previously)

3 texts from RCIB telling me to call them (at which time I was taking Sis's dogs to their new home so was in no mental state to be polite) called them and was told it was my responsibilty to prove they had recieved all docs, not theirs to prove they hadnt,that if needed it was "all on the data base" and I would get my documents one proof of NCD was recieved. had to drop line as Nuttysis's mother arrived and caused problems.

Called back and spent 45mins being transfered from pillar to post repeatedly saying but you HAVE this, to be told that I had not sent adequate proof of driving exp and that i would be charged an additional £336 or whatever it was, I had been on the phone so long battery died.

Cancelled credit agreement and dd

30.6.2015 .called RCIB and cancelled policy- still no documents. due to no documents, escalating costs etc.