Insurance-robbing Idiots

Discussion in 'The Beginner' started by Babyell, Jun 30, 2015.

  1. Babyell

    Babyell

    Joined:
    Jun 23, 2015
    Messages:
    96
    Likes Received:
    30
    Location:
    Manchester
    :madder::madder:Argghhh I am so annoyed and sorry just need to vent.....

    I took out insurance for my MH on 19/6 paid the £72 deposit and cancelled on the 23/6 to take out a better policy.

    I rang before cancelling and was told that they would take out a £20 admin fee and the cost of cover for a few days but this wouldn't be much and that I would receive about half back.

    I rang today to chase the refund as it hadn't been received and was told that I actually owe them £9!! for 3 days cover. I told her what I had been told and she just said if I didn't pay it, it would be handed over to a debt collection agency. I am fuming. If I was told this in the first place I wouldn't have cancelled the policy as it wouldn't have been cost effective do so. She said the girl I original yspoke to was being trained and wasn't fully understanding the procedure. So because they cant train their staff properly I am at least £72 out of pocked. :madder:
     
  2. Wildman

    Wildman Read Only Funster

    Joined:
    May 30, 2008
    Messages:
    15,458
    Likes Received:
    8,598
    Location:
    Ilfracombe, Devon
    so is the new policy still a better deal?
     
    • Like Like x 1
  3. TheBig1

    TheBig1 Funster Life Member

    Joined:
    Nov 27, 2011
    Messages:
    7,209
    Likes Received:
    9,588
    Location:
    Dorset
    under the distance selling and insurance regs, there must be a cooling off period of at least 7 if not 14 days
     
    • Like Like x 3
  4. Babyell

    Babyell

    Joined:
    Jun 23, 2015
    Messages:
    96
    Likes Received:
    30
    Location:
    Manchester
    It works out the same as the old one with money I have lost but new policy includes breakdown, legal cover etc where the other one didn't. I don't mind losing the money I have paid, but its just the fact they are threatening me with a debt collection agency for £9, surely they can admit their mistake of the badly trained staff member and dissolve the £9 charge as I admitting my mistake by losing deposit.
     
    • Like Like x 3
  5. Babyell

    Babyell

    Joined:
    Jun 23, 2015
    Messages:
    96
    Likes Received:
    30
    Location:
    Manchester
    I was told I had 14 days to cancel and they would only take their £20 admin fee and the 3 days cover which wouldn't be much on a pro rata basis. Now they are saying I have to pay a DD set up fee even though I never signed the DD agreement, and other cancellation fees
     
  6. Babyell

    Babyell

    Joined:
    Jun 23, 2015
    Messages:
    96
    Likes Received:
    30
    Location:
    Manchester
    Add to that the fact that they sent me a cancellation notice and it didn't state that I had to pay any further fees
     
  7. maison

    maison Funster

    Joined:
    Oct 7, 2013
    Messages:
    1,433
    Likes Received:
    3,652
    Location:
    South Wales & Burgundy
    Tell us what the name of the Company is. Then tell them that you have opened a discussion on a Motorhome Forum and the Members are waiting to hear how the situation was resolved.
     
  8. scotjimland

    scotjimland Funster Life Member

    Joined:
    Jul 25, 2007
    Messages:
    28,934
    Likes Received:
    25,574
    Location:
    .
    • Like Like x 2
  9. Babyell

    Babyell

    Joined:
    Jun 23, 2015
    Messages:
    96
    Likes Received:
    30
    Location:
    Manchester
    It was Staveley Head
     
  10. Minxy Girl

    Minxy Girl Funster Life Member

    Joined:
    Aug 22, 2007
    Messages:
    8,505
    Likes Received:
    9,864
    Location:
    E Yorks
    Why not write to them with the facts that you've stated above and say how unhappy you are with their service and that if it is not resolved to your satisfaction you will refer them to the ombudsman ... should do the trick!
     
    • Like Like x 2
  11. hilldweller

    hilldweller Funster Life Member

    Joined:
    Dec 5, 2008
    Messages:
    26,423
    Likes Received:
    25,078
    Location:
    Macclesfield
    Not just to "them", address it to the CEO saying you are taking this up with the council consumer protection guys.
     
    • Like Like x 2
  12. Chris

    Chris Funster Life Member

    Joined:
    May 5, 2010
    Messages:
    16,420
    Likes Received:
    34,445
    Location:
    kent
    I have said before that insurers are sh*ts, and I will say it again.

    Insurers are sh*ts
     
    • Like Like x 7
  13. maison

    maison Funster

    Joined:
    Oct 7, 2013
    Messages:
    1,433
    Likes Received:
    3,652
    Location:
    South Wales & Burgundy
    Good luck! We will be watching with interest.

    The idea of referring to the Insurance Ombudsman, referred to above, is sound.
     
    • Like Like x 1
  14. Borderland

    Borderland Funster

    Joined:
    Nov 5, 2014
    Messages:
    399
    Likes Received:
    2,091
    Location:
    Borders
    I have recently sold my vehicle and phoned Adrian Flux to cancel the policy. I was told that there is no pro rata refund on the policy even though it has only been running for approx. 6 months but they were kind enough to say they wouldn't charge me the cancellation fee of £25 !. After a few heated, but polite, words they agree to refund me approx. 20 % of the original insurance cost.
     
  15. Baycott

    Baycott Funster

    Joined:
    Nov 6, 2013
    Messages:
    6,307
    Likes Received:
    10,524
    Location:
    East Sussex
    Oh blimey, I'm with Staveley Head and cancelled my insurance last month as I sold our camper and have not ye received the new one we ordered. They said they will transfer the balance over to the new policy................will have to wait and see what happens next week when we get the new one. :whistle:
     
  16. JJ

    JJ Funster

    Joined:
    May 1, 2008
    Messages:
    14,543
    Likes Received:
    25,667
    Location:
    Quinta Majay, Pinheiro Bordalo, Portugal
    Insurance companies = thieves preying on people's unjustified worries and lack of risk assessment knowledge.

    JJ :cool:
     
    • Like Like x 3
  17. Babyell

    Babyell

    Joined:
    Jun 23, 2015
    Messages:
    96
    Likes Received:
    30
    Location:
    Manchester
    so she rang me back....basically she said the original girl could not give me an accurate figure of credit/debit as they wouldn't know until they got the refund from the insurer. So it is literally pot luck as to what you might owe/get back! I known its only £8 but its just the fact they are wanting £80 for 4 days cover and wont waive the fee due to the vague/incorrect information I was given when I cancelled. It doesn't even state that there may be further charges on the cancellation letter.
     
  18. Bobby22

    Bobby22 Funster

    Joined:
    Dec 15, 2013
    Messages:
    1,055
    Likes Received:
    3,137
    Location:
    Scotland
    If you have a twitter account or a facebook account get your grievance on there..........let the world know you are not pleased with them....... Who is it...oh yes..... Staveley Head..........i'll keep this in mind.
     
    • Like Like x 1
  19. Puddleduck

    Puddleduck Funster

    Joined:
    Jan 15, 2014
    Messages:
    6,456
    Likes Received:
    13,751
    Location:
    Scottish Borders
    But some insurance you have to have by law.
     
  20. MicknPat

    MicknPat Funster

    Joined:
    Dec 16, 2007
    Messages:
    628
    Likes Received:
    2,647
    Location:
    Touring UK
    Staveley Head a name possibly to remember and avoid?

    Here is their Face Book link https://www.facebook.com/StaveleyHead?fref=ts
     
    • Like Like x 1
Loading...
Similar Threads
  1. mushy
    Replies:
    4
    Views:
    307
  2. Molharpen
    Replies:
    26
    Views:
    1,036
  3. RS SPIKE
    Replies:
    33
    Views:
    1,414
  4. Broadsman
    Replies:
    17
    Views:
    904

Share This Page