Omega Owners Forum

Chat Area => General Discussion Area => Topic started by: The Red Baron on 28 November 2011, 22:23:10

Title: Kwik fit insurance fit up
Post by: The Red Baron on 28 November 2011, 22:23:10
took a policy out on an omega 19th sept, just recieved a letter saying they are backdating the policy to the 4th may as the car was already in the household, & stuck Xhundred pounds onto the policy. do they have rights to do this?. the car was insured up until september via AA in the wifes name.
surely this cannot be done?. ???
any advice welcome please.
jon
Title: Re: Kwik fit insurance fit up
Post by: Omega_Dan on 28 November 2011, 22:27:52
Never heard of that before. Can't be right. You changed insurance companies and should only pay from the day their individual cover started.
Title: Re: Kwik fit insurance fit up
Post by: The Red Baron on 28 November 2011, 22:29:41
Never heard of that before. Can't be right. You changed insurance companies and should only pay from the day their individual cover started.
well thats my thinking aswell. i think they may have breached there own contract here.
Title: Re: Kwik fit insurance fit up
Post by: Omega_Dan on 28 November 2011, 22:32:20
Will have to phone them matie. Could be a mistake as it really sounds unreasonable.
Title: Re: Kwik fit insurance fit up
Post by: Omega32E on 28 November 2011, 22:32:35
You choose the effective date of your insurance no matter how long you have had the car.
Title: Re: Kwik fit insurance fit up
Post by: Webby the Bear on 28 November 2011, 22:33:28
took a policy out on an omega 19th sept, just recieved a letter saying they are backdating the policy to the 4th may as the car was already in the household, & stuck Xhundred pounds onto the policy. do they have rights to do this?. the car was insured up until september via AA in the wifes name.
surely this cannot be done?. ???any advice welcome please.
jon

correct! you came to them for insurance in september, not may!!!  >:(
Title: Re: Kwik fit insurance fit up
Post by: The Red Baron on 28 November 2011, 22:37:46
took a policy out on an omega 19th sept, just recieved a letter saying they are backdating the policy to the 4th may as the car was already in the household, & stuck Xhundred pounds onto the policy. do they have rights to do this?. the car was insured up until september via AA in the wifes name.
surely this cannot be done?. ???any advice welcome please.
jon

correct! you came to them for insurance in september, not may!!!  >:(
it really does stink doesnt it. yet another good reason not to use kwik fitup.
i did speak to them earlier on the phone & the chap was adamant it was being backdated. one direct debit being stopped tonight me thinks. it soo pee,s me off when companies try this sort of thing. >:(
Title: Re: Kwik fit insurance fit up
Post by: Vamps on 28 November 2011, 22:44:01
Something wrong here, is this part of a multi car policy? not that this would excuse this, but just wondered as I have a Multi car policy with different start dates till renewal time and now all the same.... :-\ :-\
Title: Re: Kwik fit insurance fit up
Post by: The Red Baron on 28 November 2011, 22:46:00
Something wrong here, is this part of a multi car policy? not that this would excuse this, but just wondered as I have a Multi car policy with different start dates till renewal time and now all the same.... :-\ :-\
no vamps, this was a new policy just for the omega. i changed from swinton.
Title: Re: Kwik fit insurance fit up
Post by: Webby the Bear on 28 November 2011, 22:49:45
took a policy out on an omega 19th sept, just recieved a letter saying they are backdating the policy to the 4th may as the car was already in the household, & stuck Xhundred pounds onto the policy. do they have rights to do this?. the car was insured up until september via AA in the wifes name.
surely this cannot be done?. ???any advice welcome please.
jon

correct! you came to them for insurance in september, not may!!!  >:(
it really does stink doesnt it. yet another good reason not to use kwik fitup.
i did speak to them earlier on the phone & the chap was adamant it was being backdated. one direct debit being stopped tonight me thinks. it soo pee,s me off when companies try this sort of thing. >:(

defo mate... you cancel the DD, youll get max 3 chase up letters and the final one saying that if you don't make payment we'll cancel from your last payment received. no sweat for you. go to comparethemeerkat and get a free toy!  :y
Title: Re: Kwik fit insurance fit up
Post by: Kevin Wood on 28 November 2011, 22:54:26
Sounds like a complaint to the insurance ombudsman is in order. >:(
Title: Re: Kwik fit insurance fit up
Post by: The Red Baron on 28 November 2011, 22:55:19
took a policy out on an omega 19th sept, just recieved a letter saying they are backdating the policy to the 4th may as the car was already in the household, & stuck Xhundred pounds onto the policy. do they have rights to do this?. the car was insured up until september via AA in the wifes name.
surely this cannot be done?. ???any advice welcome please.
jon

correct! you came to them for insurance in september, not may!!!  >:(
it really does stink doesnt it. yet another good reason not to use kwik fitup.
i did speak to them earlier on the phone & the chap was adamant it was being backdated. one direct debit being stopped tonight me thinks. it soo pee,s me off when companies try this sort of thing. >:(

defo mate... you cancel the DD, youll get max 3 chase up letters and the final one saying that if you don't make payment we'll cancel from your last payment received. no sweat for you. go to comparethemeerkat and get a free toy!  :y
im going to put the mv6 off the road for a while as it needs a bit of work, got a nice lpg 3.0l to play with now anyway with a different insurance company, so stuff em i say.
why cant companies play fair these days.
Title: Re: Kwik fit insurance fit up
Post by: The Red Baron on 28 November 2011, 22:56:00
Sounds like a complaint to the insurance ombudsman is in order. >:(
i think you may be right there Kevin. :)
Title: Re: Kwik fit insurance fit up
Post by: Webby the Bear on 28 November 2011, 22:56:42
Sounds like a complaint to the insurance ombudsman is in order. >:(

yup, which kwikfit will in the end want to avoid cos of the amount they get charged if a case goes to the FOS  :y
Title: Re: Kwik fit insurance fit up
Post by: Andy B on 28 November 2011, 22:56:51
took a policy out on an omega 19th sept, just recieved a letter saying they are backdating the policy to the 4th may as the car was already in the household, & stuck Xhundred pounds onto the policy. do they have rights to do this?. the car was insured up until september via AA in the wifes name.
surely this cannot be done?. ???
any advice welcome please.
jon

If insurance policies could be legally back dated then nobody would need to buy insurance. We'd wait till we needed insurance & then buy a back dated policy from before we crashed/were burgled/etc
Title: Re: Kwik fit insurance fit up
Post by: Kevin Wood on 28 November 2011, 22:58:46
took a policy out on an omega 19th sept, just recieved a letter saying they are backdating the policy to the 4th may as the car was already in the household, & stuck Xhundred pounds onto the policy. do they have rights to do this?. the car was insured up until september via AA in the wifes name.
surely this cannot be done?. ???
any advice welcome please.
jon

If insurance policies could be legally back dated then nobody would need to buy insurance. We'd wait till we needed insurance & then buy a back dated policy from before we crashed/were burgled/etc

Yeah, perhaps you should try telling them you were involved in a 6 car pile-up on June and have a long list of injury claims for them to consider. ;D
Title: Re: Kwik fit insurance fit up
Post by: The Red Baron on 28 November 2011, 22:58:55
took a policy out on an omega 19th sept, just recieved a letter saying they are backdating the policy to the 4th may as the car was already in the household, & stuck Xhundred pounds onto the policy. do they have rights to do this?. the car was insured up until september via AA in the wifes name.
surely this cannot be done?. ???
any advice welcome please.
jon

If insurance policies could be legally back dated then nobody would need to buy insurance. We'd wait till we needed insurance & then buy a back dated policy from before we crashed/were burgled/etc
how very true, but when they want to screw you for your there pennies its different eh.
Title: Re: Kwik fit insurance fit up
Post by: blackviper90210 on 29 November 2011, 08:54:25
Provide the details of the previous insurance on the car... I'm sure that a vehicle can only be insured by one policy!!! :y
Title: Re: Kwik fit insurance fit up
Post by: The Red Baron on 29 November 2011, 09:03:11
Provide the details of the previous insurance on the car... I'm sure that a vehicle can only be insured by one policy!!! :y
thats my understanding dave.
Title: Re: Kwik fit insurance fit up
Post by: blackviper90210 on 29 November 2011, 09:24:29
Go get 'em Jon and if that doesn't work....send in SWMBO :y

I wouldn't argue with mine when she's got a cob on ;D ;D ;D ;D ;D ;D ;D
Title: Re: Kwik fit insurance fit up
Post by: General Melchett on 29 November 2011, 10:15:35
Just cancelling hte DD wont work.  You will have to call them and cancel the policy which you can do up to 14 days after the start date.  They may charge an admin charge and fo rany cover used but only based on what they quoted you.
Title: Re: Kwik fit insurance fit up
Post by: aaronjb on 29 November 2011, 10:23:30
im going to put the mv6 off the road for a while as it needs a bit of work, got a nice lpg 3.0l to play with now anyway with a different insurance company, so stuff em i say.
why cant companies play fair these days.

Don't forget to SORN it.. can't have a car taxed but uninsured now: http://www.direct.gov.uk/en/Motoring/OwningAVehicle/Motorinsurance/DG_186696
Title: Re: Kwik fit insurance fit up
Post by: The Red Baron on 29 November 2011, 11:01:54
Just cancelling hte DD wont work.  You will have to call them and cancel the policy which you can do up to 14 days after the start date.  They may charge an admin charge and fo rany cover used but only based on what they quoted you.
as the policy was taken out on 19th september i think the 14 days have passed. ::)
Title: Re: Kwik fit insurance fit up
Post by: mantahatch on 29 November 2011, 11:05:40
I wonder what they would do if you had owned a car for say 5 years, would they want to back date it to when you bought it ?

I also wonder, did you have the car sat with no insurance, but still had a tax disc ? Cause as said above that is no loher allowed.
Title: Re: Kwik fit insurance fit up
Post by: The Red Baron on 29 November 2011, 11:10:44
I wonder what they would do if you had owned a car for say 5 years, would they want to back date it to when you bought it ?

I also wonder, did you have the car sat with no insurance, but still had a tax disc ? Cause as said above that is no loher allowed.
it was on the road with the wife, with an insurance through the AA. :)
Title: Re: Kwik fit insurance fit up
Post by: D on 29 November 2011, 11:33:41
Makes no sense. If you have simply switched policies when one expired, then how can you backdate anything? In fact its illegal to have 2 policies on the same car. So if you can prove that there was an existing policy on the car from May to Sept then Kwik fit have no case. Even if you did not have previous insurance, its your choice as to when a new policy starts. Ask to speak to a manager rather than the telephone answering monkey.
Title: Re: Kwik fit insurance fit up
Post by: tigers_gonads on 29 November 2011, 11:59:12
Makes no sense. If you have simply switched policies when one expired, then how can you backdate anything? In fact its illegal to have 2 policies on the same car. So if you can prove that there was an existing policy on the car from May to Sept then Kwik fit have no case. Even if you did not have previous insurance, its your choice as to when a new policy starts. Ask to speak to a manager rather than the telephone answering monkey.


I had fun with them this year  :(

The tinkers liked to call in direct debits a week early when no money was in the account  >:(
Also at the end of the policy year, I canceled it (giving then 30 days notice in writing) and canceled the direct debit.
They then continued to carry on the insurance even though there was no direct debit setup  >:( >:(

After 2 months of trying to take money off me and charging me for "so called" late payments, they sent the boys round to my house who was  shown a copy of the bankruptcy ticket and other documents like my new insurence documents ::) ;D

Apparently, its a favourette game of theres to try and screw you for a few quid  >:(

If you can prove you was insured, I'd be tempted to tell them to stick it  >:(

Only problem is .............. by now, Kwick Fit would have registered your name with Equfax as a bad dept  >:( >:(
Title: Re: Kwik fit insurance fit up
Post by: General Melchett on 29 November 2011, 12:41:06
Just cancelling hte DD wont work.  You will have to call them and cancel the policy which you can do up to 14 days after the start date.  They may charge an admin charge and fo rany cover used but only based on what they quoted you.
as the policy was taken out on 19th september i think the 14 days have passed. ::)

You could argue this is a new policy as they have changed the goal posts...
Title: Re: Kwik fit insurance fit up
Post by: Kevin Wood on 29 November 2011, 12:43:13
Makes no sense. If you have simply switched policies when one expired, then how can you backdate anything? In fact its illegal to have 2 policies on the same car. So if you can prove that there was an existing policy on the car from May to Sept then Kwik fit have no case. Even if you did not have previous insurance, its your choice as to when a new policy starts. Ask to speak to a manager rather than the telephone answering monkey.

I'm not sure you'd have to, TBH... Not to Kwik Fitup, at any rate.. It's not their responsibility to ensure your car is insured at all times..

Let's say the car wasn't insured for a period (yet it was taxed).. What concern is that of Kwik Fitup? OK, the DVLA, as the authority responsible, might be after you for a fine, or whatever, but I can't see what provision KF have to take it upon themselves to insure the vehicle retrospectively at your expense. :o

You have entered into a contract to insure your vehicle for a period of time of your specification.. They decide to charge you retrospectively for a period not covered by that contract. Straight to the Ombudsman, IMHO. >:(

It's long been known that if you let them touch your car, they'll make a pig's ear of it. Seems they now have the capability to @rse things up without ever seeing it. ;D
Title: Re: Kwik fit insurance fit up
Post by: The Red Baron on 29 November 2011, 12:46:21
Makes no sense. If you have simply switched policies when one expired, then how can you backdate anything? In fact its illegal to have 2 policies on the same car. So if you can prove that there was an existing policy on the car from May to Sept then Kwik fit have no case. Even if you did not have previous insurance, its your choice as to when a new policy starts. Ask to speak to a manager rather than the telephone answering monkey.

I'm not sure you'd have to, TBH... Not to Kwik Fitup, at any rate.. It's not their responsibility to ensure your car is insured at all times..

Let's say the car wasn't insured for a period (yet it was taxed).. What concern is that of Kwik Fitup? OK, the DVLA, as the authority responsible, might be after you for a fine, or whatever, but I can't see what provision KF have to take it upon themselves to insure the vehicle retrospectively at your expense. :o

You have entered into a contract to insure your vehicle for a period of time of your specification.. They decide to charge you retrospectively for a period not covered by that contract. Straight to the Ombudsman, IMHO. >:(

It's long been known that if you let them touch your car, they'll make a pig's ear of it. Seems they now have the capability to @rse things up without ever seeing it. ;D
i think that maybe the road im going down. anyone got a linky for them?. :)
Title: Re: Kwik fit insurance fit up
Post by: GastronomicKleptomaniac on 29 November 2011, 13:28:02
Just a quick note, it's not illegal to have two insurance policies on the same car, it's only illegal if you try to make more than one pay out.

Otherwise TempCover and the like would be severely limiting their market...
Title: Re: Kwik fit insurance fit up
Post by: bootie on 29 November 2011, 13:59:21
http://www.financial-ombudsman.org.uk/ (http://www.financial-ombudsman.org.uk/)

should do the trick.
Title: Re: Kwik fit insurance fit up
Post by: The Red Baron on 29 November 2011, 15:39:36
http://www.financial-ombudsman.org.uk/ (http://www.financial-ombudsman.org.uk/)

should do the trick.
thankyou.  :y
Title: Re: Kwik fit insurance fit up
Post by: bootie on 29 November 2011, 17:48:28
As an aside but still on same topic (insurance). I had a problem with my insurer in the UK when it came to NCD, the old spanish insurer only states 4 or more years but I was entitled to 8, anyhoo to cut a long story short, after about 5 months of to and fro with emails and letters, my last email to them was that I was tired of the run around and would be sending all the previous email trail to the Omudsman for them to sort out........... in the reply the very next day they had 'decided' after 'reviewing' my case again that I was indeed entitled to the 8 years, Seems the very mention of them is enough for the to$$ers to capitulate so stick with it Mr. Baron and good luck mate,

Jon
Title: Re: Kwik fit insurance fit up
Post by: The Red Baron on 29 November 2011, 18:19:17
As an aside but still on same topic (insurance). I had a problem with my insurer in the UK when it came to NCD, the old spanish insurer only states 4 or more years but I was entitled to 8, anyhoo to cut a long story short, after about 5 months of to and fro with emails and letters, my last email to them was that I was tired of the run around and would be sending all the previous email trail to the Omudsman for them to sort out........... in the reply the very next day they had 'decided' after 'reviewing' my case again that I was indeed entitled to the 8 years, Seems the very mention of them is enough for the to$$ers to capitulate so stick with it Mr. Baron and good luck mate,

Jon
thanks for that, i will.
jon  :y (good name eh)
Title: Re: Kwik fit insurance fit up
Post by: Ken T on 29 November 2011, 19:15:21
Financial Ombudsman  :-X You might want to look at this first.

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?264-The-Financial-Ombudsman-Service

Ken
Title: Re: Kwik fit insurance fit up
Post by: The Red Baron on 29 November 2011, 19:43:06
cheers Ken. :y
Title: Re: Kwik fit insurance fit up
Post by: Webby the Bear on 29 November 2011, 21:18:17
Makes no sense. If you have simply switched policies when one expired, then how can you backdate anything? In fact its illegal to have 2 policies on the same car. So if you can prove that there was an existing policy on the car from May to Sept then Kwik fit have no case. Even if you did not have previous insurance, its your choice as to when a new policy starts. Ask to speak to a manager rather than the telephone answering monkey.

I'm not sure you'd have to, TBH... Not to Kwik Fitup, at any rate.. It's not their responsibility to ensure your car is insured at all times..

Let's say the car wasn't insured for a period (yet it was taxed).. What concern is that of Kwik Fitup? OK, the DVLA, as the authority responsible, might be after you for a fine, or whatever, but I can't see what provision KF have to take it upon themselves to insure the vehicle retrospectively at your expense. :o

You have entered into a contract to insure your vehicle for a period of time of your specification.. They decide to charge you retrospectively for a period not covered by that contract. Straight to the Ombudsman, IMHO. >:(

It's long been known that if you let them touch your car, they'll make a pig's ear of it. Seems they now have the capability to @rse things up without ever seeing it. ;D
i think that maybe the road im going down. anyone got a linky for them?. :)

The Ombudsman will not look at your case until you have been through the company's internal complaints procedure and will then only take the case on should you still not be happy with KF's final response.

However, if you either write to them or call them and threaten them with going to the Ombudsman I'm sure they will recoil at some stage; bearing in mind it will cost KF over £500 if a case is referred to them  :y

Just keep saying you're not happy with their decision and that you will take it to the Ombudsman until you get the result (and compensation for the hassle, anxiety and stress the whole sorry situation has caused) you want.  :y :y :y :y