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Author Insurance Cancelation Fee!!!! advice please
ONeil
Member
Registered: 12th Feb 03
Location: Telford
User status: Offline
10th Feb 06 at 15:20   View User's Profile U2U Member Reply With Quote
I have had my insurance for 6 months and pay monthly.

I want to cancel as i have sold my car, i pay £75 a month and they want £210 to cancel my insurance!!!

Seems a little steep any advice do i have to pay this?

I use direct choice who then get the insurance from fortis

thanks
Pablo
Member
Registered: 3rd Feb 03
Location: Milton Keynes
User status: Offline
10th Feb 06 at 15:23   View User's Profile U2U Member Reply With Quote
Whoops

If I cancel mine, thats it, job done but tahts seems like a con
ONeil
Member
Registered: 12th Feb 03
Location: Telford
User status: Offline
10th Feb 06 at 15:25   View User's Profile U2U Member Reply With Quote
thats what i mean

they say caus i purchase it through a brooker who they are that they have paid for my insurance in full for me!!! so i have to pay that money
ssj_kakarot
Member
Registered: 29th Apr 03
Location: hartlepool
User status: Offline
10th Feb 06 at 15:29   View User's Profile U2U Member Reply With Quote
just stop paying it , how you pay dd or some other way.

surely if you dont pay they will just cancel it any way, and if they cancel the insurance you probs wont have to pay the fee.

check the small print probs says somewere in there, that if you cancel you have to pay, might not be the case if they cancel it though.

but if they are saying that theres nout you can do if its in the small print.
ONeil
Member
Registered: 12th Feb 03
Location: Telford
User status: Offline
10th Feb 06 at 15:37   View User's Profile U2U Member Reply With Quote
i was just gonna cancel the direct debit

but surely they would take legal action against me
ssj_kakarot
Member
Registered: 29th Apr 03
Location: hartlepool
User status: Offline
10th Feb 06 at 15:49   View User's Profile U2U Member Reply With Quote
yeah they probally will, lol but then again they mght not ad drather wait till they threaten to take it to a debt collection agency to get the money than just give them it all, seems like a big rip off to me. drther make it harder, if it does come to the point when they threaten to write the debt off to an agency just pay it then.
Rileysport
Member
Registered: 18th Jun 04
Location: West Yorkshire
User status: Offline
10th Feb 06 at 15:52   View User's Profile U2U Member Reply With Quote
small print's a bitch innit, i got taken to "debt collectors" by elephant... i used to work in hbos's collections department so i know whats what... told them to fcuk off (politely) not heard a thing, that was two years ago
Ian
Site Administrator

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Registered: 28th Aug 99
Location: Liverpool
User status: Offline
10th Feb 06 at 19:32   View Garage View User's Profile U2U Member Reply With Quote
Check your small print, finance agreement and specific cancelation instructions. If its not mentioned in there, tell them to do one.
Paul H
Member
Registered: 11th Aug 03
Location: Lincoln.
User status: Offline
10th Feb 06 at 20:34   View User's Profile U2U Member Reply With Quote
you have the same insurance as my girlfriend.they purchase the insurance on your behalf and then charge you interest on the monthly payments.thats why you have to pay that amount it's all legal
vibrio
Banned
Registered: 28th Feb 01
Location: POAH
User status: Offline
10th Feb 06 at 21:57   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by ONeil
I have had my insurance for 6 months and pay monthly.

I want to cancel as i have sold my car, i pay £75 a month and they want £210 to cancel my insurance!!!

Seems a little steep any advice do i have to pay this?

I use direct choice who then get the insurance from fortis

thanks



just cancel it and stop your direct debit. they cannot take money from your account without your authority and that includes extra's
Ian
Site Administrator

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Registered: 28th Aug 99
Location: Liverpool
User status: Offline
10th Feb 06 at 21:58   View Garage View User's Profile U2U Member Reply With Quote
Check its not a finance agreement first.
DarrenGSi
Member
Registered: 11th Jul 05
Location: East Ayrshire Drives: Civic Jordan 381
User status: Offline
10th Feb 06 at 22:03   View User's Profile U2U Member Reply With Quote
im with them and i have cancelled a policy before, if its just a standard policy like mine then just cancel the DD with your bank, they cannot take any more money after that.
dont just cancel it with them as it still sometimes comes out of your account.

send them your insurance certificate and a letter saying you want to cancel and they should reimburse you for the rest of the month you havnt used.
Rob R
Member
Registered: 31st May 03
Location: Kent
User status: Offline
11th Feb 06 at 02:51   View User's Profile U2U Member Reply With Quote
tell them you want a years no claims seeing as you're effectively going to be paying them for the rest of the year
Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
11th Feb 06 at 08:40   View User's Profile U2U Member Reply With Quote
it will be legal because all insurances are regulated by the financial services authority

it will be written in the agreement you made

i agree with rob though tell them you want a years no claims in that case

 
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