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Author Insurance Question
LukesCorsaSXi
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Registered: 2nd Jan 11
Location: Sheffield
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25th Jan 13 at 08:59   View User's Profile U2U Member Reply With Quote
Morning guys.

Need to cancel my current insurance today as had a much cheaper quote with another company. (Paying £2700 with flux direct, now £1200 with Elephant )

What is the best way to go about this?

Would it to send the cancellation form email to Flux first, or do I ring Elephant first and set up my new policy?

If I ring Elephant first will they say anything about already having an existing Policy on my car? Or can't they tell that?

Any replies are appreciated.

Cheers.

[Edited on 25-01-2013 by LukesCorsaSXi]
Brett
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Registered: 16th Dec 02
Location: Manchester
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25th Jan 13 at 09:03   View Garage View User's Profile U2U Member Reply With Quote
I've rang up and had my NCB on two cars at once whilst I was changing car and they never said anything.
LukesCorsaSXi
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Registered: 2nd Jan 11
Location: Sheffield
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25th Jan 13 at 09:07   View User's Profile U2U Member Reply With Quote
Ahh right okay! I'll give Elephant a ring first then! Hopefully they won't say anything.

Cheers!
pow
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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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25th Jan 13 at 09:07   View Garage View User's Profile U2U Member Reply With Quote
Cancel then take out new one. They'll ask for proof of no claims in the first couple of weeks which you can send to them,
LukesCorsaSXi
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Location: Sheffield
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25th Jan 13 at 09:15   View User's Profile U2U Member Reply With Quote
I have to email them saying that I want to cancel. From there they send me a letter out with the amount on that I have to pay. My current insurance won't be cancelled until I receive that letter, ring up who ever and pay will it? Or will it cancel immediately?
pow
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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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25th Jan 13 at 09:17   View Garage View User's Profile U2U Member Reply With Quote
Email them WTF? Pick up the phone and tell them you want to cancel, like every other insurer in the UK
LukesCorsaSXi
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Registered: 2nd Jan 11
Location: Sheffield
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25th Jan 13 at 09:22   View User's Profile U2U Member Reply With Quote
Can't apparently. I rang em and they said, I have to email them saying, I want to cancel, I will destroy all insurance documents etc... Then wait for a letter to come through showing me the cancellation charge. Then I have to ring up and make the cancellation payment.
pow
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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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25th Jan 13 at 09:34   View Garage View User's Profile U2U Member Reply With Quote
That's bollocks (not what you're saying, that you have to email to cancel!). I'd ring back and kick up a fuss, if they don't do it then send the email and keep a copy with the sent date and time, stating you've DESTORYED the documents and stating your insurance shall end on the xxx at xxx o clock. Then take the policy out with Elephant

[Edited on 25-01-2013 by pow]
LukesCorsaSXi
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Location: Sheffield
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25th Jan 13 at 09:41   View User's Profile U2U Member Reply With Quote
Right, i'll do that then! Thanks for that Pow! And I know it is a bit ridiculous! She had me amazed on the phone!
BeetleGav
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Registered: 27th Jun 10
Location: lancashire, nelson
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25th Jan 13 at 10:29   View User's Profile U2U Member Reply With Quote
I've just done this for my new car. Set up the new one then cancelled the old. All ready for Saturdays purchase
baza31
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Registered: 19th Apr 03
Location: yorkshire
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25th Jan 13 at 10:36   View User's Profile U2U Member Reply With Quote
insurance companys are a joke , you pay up front anyhow so how can you owe them money the wankers
shaunmods
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Registered: 12th Mar 07
Location: Glascote, Staffordshire
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25th Jan 13 at 10:43   View Garage View User's Profile U2U Member Reply With Quote
I'd set up the new policy before cancelling your old one Luke just to be on the safe side You know what insurance companies are like!
pow
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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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25th Jan 13 at 10:46   View Garage View User's Profile U2U Member Reply With Quote
But he wants to use the same no claims so i wouldnt overlap them
LukesCorsaSXi
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Location: Sheffield
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25th Jan 13 at 10:52   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by pow
But he wants to use the same no claims so i wouldnt overlap them


I have no no claims, I've only been driving 5 months. I've just turned 19 so decided to do a re-quote. £2700 down to £1200. So cancelling my current one, and taking out my new one. Which is an accelerated 10 month policy. So I only lose 2 months... I'll be paying £150+ less every month.
LukesCorsaSXi
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25th Jan 13 at 10:53   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by shaunmods
I'd set up the new policy before cancelling your old one Luke just to be on the safe side You know what insurance companies are like!


Yeah, think i'm going to do this. Get the elephant one started before. Got my quote and reference number and everything ready, just need to ring up and start it!
LukesCorsaSXi
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Registered: 2nd Jan 11
Location: Sheffield
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25th Jan 13 at 10:53   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by BeetleGav
I've just done this for my new car. Set up the new one then cancelled the old. All ready for Saturdays purchase


Make sure there's a project thread put up then mate...
LukesCorsaSXi
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Registered: 2nd Jan 11
Location: Sheffield
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25th Jan 13 at 10:54   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by baza31
insurance companys are a joke , you pay up front anyhow so how can you owe them money the wankers


I pay monthly as I couldn't pay £2762 or however much it was in full.
£232 to cancel my current one.
pow
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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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25th Jan 13 at 10:56   View Garage View User's Profile U2U Member Reply With Quote
Oh in that case fucking crack on
JamesSXI
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Registered: 18th Jan 13
Location: South Yorkshire
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25th Jan 13 at 11:02   View User's Profile U2U Member Reply With Quote
That quote is gorgeous how old are you? And are you the policy holder?
LukesCorsaSXi
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Registered: 2nd Jan 11
Location: Sheffield
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25th Jan 13 at 11:09   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by JamesSXI
That quote is gorgeous how old are you? And are you the policy holder?


Not sure if you're taking the piss or not.

Im 19, I am the policy holder, but have put my mum and dad down as named drivers.

No no claims as I started driving when I was 18. I heard on the radio about the insurance prices for lads going down due to the new insurance laws. (Something about it wasn't fair how 17-21 year old women pay less that men). He basically said all 17-21 year males should do a requote. I did and saved £1500. :O (I think me turning 19 had a big effect though!)
I did it through confused.com if you're wondering.

[Edited on 25-01-2013 by LukesCorsaSXi]
MatthewR
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Registered: 21st Oct 02
Location: Rickmansworth
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25th Jan 13 at 12:21   View User's Profile U2U Member Reply With Quote
Is Elephat still a one off payment? as in you cant pay monthly with them???
Vauxdan88
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Registered: 13th Feb 11
Location: Weymouth Dorset
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25th Jan 13 at 12:32   View User's Profile U2U Member Reply With Quote
Just be careful cancelling your current policy mate, don't know how flux work but I once cancelled a policy with Quinn direct about 3 months after I renewed it with them,they charged me £380 to cancel!!
LukesCorsaSXi
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Registered: 2nd Jan 11
Location: Sheffield
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25th Jan 13 at 12:33   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by MatthewR
Is Elephat still a one off payment? as in you cant pay monthly with them???


Nope - Can pay monthly. Just 10 payments of £120.11 for me.
LukesCorsaSXi
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Registered: 2nd Jan 11
Location: Sheffield
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25th Jan 13 at 12:34   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Vauxdan88
Just be careful cancelling your current policy mate, don't know how flux work but I once cancelled a policy with Quinn direct about 3 months after I renewed it with them,they charged me £380 to cancel!!


I know mate, they already gave me the figure over the phone. £232 to cancel.
Ian
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Registered: 28th Aug 99
Location: Liverpool
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25th Jan 13 at 15:30   View Garage View User's Profile U2U Member Reply With Quote
Its such a shame there's not more competition in that sector, they wouldn't be able to do daft things like that.

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