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[Squealey]

Bit pee'd off today I must admit.

My wife got a lift to Hemel yesterday to pick up our new (to us) Polo 1.9SDi. It was a gift from my brothers boss who no longer wanted it and knew the financial difficulty weve been having lately. So, in return for doing a LOT of driving over a four day period he gave me the car (plus a bit of cash )

I was happy as a pig in poo. My brother asked if his soon to be ex wife could borrow it as she had just crashed her car, not a problem.

Arranged with my bruv that Zoe (swmbo) would pick it up on Friday. He said great and he'd leave it insured till the end of the weekend so she could get it home and sort her insurance out. (I literally haven't stopped since Wednesday a week ago)

Got a text from bruv at 11am yesterday saying he had forgot to keep the insurance running so Zoe would have to get it sorted. Zoe was already on her way to Hemel. I started my new job yesterday so couldn't help at all. So Zoe did what we would all do, rang her insurance company and asked them to transfer the insurance from her current Audi to the Polo. This is what happened,

Lancaster: Sorry you cant change the car on your current policy, you will have to start a whole new policy with us.
Zoe: Eh, I was able to swap it with More Than, why not you?
Lan: We just dont do that.
Zoe: Ok, well what info do you need.
Lan: We need the exact make, model etc of the car.
Zoe:I dont know that, im not really into cars, but I do have the registration plate.
Lan: (very snottily) We cannot use that, we are NOT connected to the DVLA.

So Zoe had to text me, wait for an answer then ring them back. She gave them all the details. The renewal price was £390

Now she doesnt deal with the cars normally so just accepted what the woman told her, (in all fairness she was on the motorway in a noisy car with the in laws sat nav blasting out at full volume)

I honestly feel that Lancaster have really pulled our pants down here. She has been driving nearly 20 years, never had a crash, never been done for speeding and has maximum NCB, and they want her to pay getting on for £400 for a Polo with less than 70bhp.

I know at the end of the day it is our perogative to shop around and choose whats best for us, but you would expect a company who you have been loyal to too at least be competitive wouldnt you?

I feel that they just preyed on the fact she was obviously a bit desperate to get it insured there and then.

By the way, did a confused and 14 companies came in at under £210. Too bloody late now though

[Welung666]

Take it to the ombudsman, makes my blood boil 

[bigboykarl]

i feel the same about hastings direct.....charged me £150 to put a 2.0 saab on my policy for 6 weeks (while darth sorted out my mig) ...my policy is £450 for a year

[Squealey]

What I dont get is she had a 90bhp Audi 80 Estate before which wasn't worth much and cost her £190 a year. I admit the Polo is worth probably £1500 more but I thought once under £2000 then the value was pretty much irrelevant to the quote anyway.

How can a 64bhp Polo be double the insurance. Even my 130bhp Omega is only £250 a year, and my records nowhere near as good as Zoes

[sexydaz]

Bit pee'd off today I must admit.

My wife got a lift to Hemel yesterday to pick up our new (to us) Polo 1.9SDi. It was a gift from my brothers boss who no longer wanted it and knew the financial difficulty weve been having lately. So, in return for doing a LOT of driving over a four day period he gave me the car (plus a bit of cash )

I was happy as a pig in poo. My brother asked if his soon to be ex wife could borrow it as she had just crashed her car, not a problem.

Arranged with my bruv that Zoe (swmbo) would pick it up on Friday. He said great and he'd leave it insured till the end of the weekend so she could get it home and sort her insurance out. (I literally haven't stopped since Wednesday a week ago)

Got a text from bruv at 11am yesterday saying he had forgot to keep the insurance running so Zoe would have to get it sorted. Zoe was already on her way to Hemel. I started my new job yesterday so couldn't help at all. So Zoe did what we would all do, rang her insurance company and asked them to transfer the insurance from her current Audi to the Polo. This is what happened,

Lancaster: Sorry you cant change the car on your current policy, you will have to start a whole new policy with us.
Zoe: Eh, I was able to swap it with More Than, why not you?
Lan: We just dont do that.
Zoe: Ok, well what info do you need.
Lan: We need the exact make, model etc of the car.
Zoe:I dont know that, im not really into cars, but I do have the registration plate.
Lan: (very snottily) We cannot use that, we are NOT connected to the DVLA.

So Zoe had to text me, wait for an answer then ring them back. She gave them all the details. The renewal price was £390

Now she doesnt deal with the cars normally so just accepted what the woman told her, (in all fairness she was on the motorway in a noisy car with the in laws sat nav blasting out at full volume)

I honestly feel that Lancaster have really pulled our pants down here. She has been driving nearly 20 years, never had a crash, never been done for speeding and has maximum NCB, and they want her to pay getting on for £400 for a Polo with less than 70bhp.

I know at the end of the day it is our perogative to shop around and choose whats best for us, but you would expect a company who you have been loyal to too at least be competitive wouldnt you?

I feel that they just preyed on the fact she was obviously a bit desperate to get it insured there and then.

By the way, did a confused and 14 companies came in at under £210. Too bloody late now though

could be wrong but dont you have a fourteen day cooling off period where as long as you havent claimed you can cancel the policy and get a full refund

[Squealey]

I am kinda hoping that tbh. They're customer service dept closed at 1.00 so no joy there till Monday.

[Lazydocker]

...By the way, did a confused and 14 companies came in at under £210. Too bloody late now though

No it's not... Policy was "Distance Sold" and you therefore have a 14 Day Cooling off period

Cancel it... They are entitled to charge for the cover provided (and possibly an admin fee) though... If they refuse, Ombudsman all the way

[jonnycool]

Yeah, cancel it. Even if you have an admin fee, what you save over a year will more than cancel that out. Don't give the idiots your custom 

[STMO999]

Yeah, cancel it. Even if you have an admin fee, what you save over a year will more than cancel that out. Don't give the idiots your custom 

I wouldn't be too sure about that. I cancelled a policy with a two-bit ins company, the cost of the cover was £250 and they charged me £120 admin fee.

[jonnycool]

Yeah, cancel it. Even if you have an admin fee, what you save over a year will more than cancel that out. Don't give the idiots your custom 

I wouldn't be too sure about that. I cancelled a policy with a two-bit ins company, the cost of the cover was £250 and they charged me £120 admin fee.

'kin ell, they're not all that expensive, worth asking I reckon

[Lazydocker]

Yeah, cancel it. Even if you have an admin fee, what you save over a year will more than cancel that out. Don't give the idiots your custom 

I wouldn't be too sure about that. I cancelled a policy with a two-bit ins company, the cost of the cover was £250 and they charged me £120 admin fee.

But he's within the Statutory Cooling Period so the insurance ombudsman will have something to say about an extortionate charge

[STMO999]

Yeah, cancel it. Even if you have an admin fee, what you save over a year will more than cancel that out. Don't give the idiots your custom 

I wouldn't be too sure about that. I cancelled a policy with a two-bit ins company, the cost of the cover was £250 and they charged me £120 admin fee.

But he's within the Statutory Cooling Period so the insurance ombudsman will have something to say about an extortionate charge

I agree, I think, but they don't half take their time, and another policy would have to be purchased in the mean time. I would just be annoyed, spread the word on forums such as this and find a new company next year.

[Lazydocker]

Yeah, cancel it. Even if you have an admin fee, what you save over a year will more than cancel that out. Don't give the idiots your custom 

I wouldn't be too sure about that. I cancelled a policy with a two-bit ins company, the cost of the cover was £250 and they charged me £120 admin fee.

But he's within the Statutory Cooling Period so the insurance ombudsman will have something to say about an extortionate charge

I agree, I think, but they don't half take their time, and another policy would have to be purchased in the mean time. I would just be annoyed, spread the word on forums such as this and find a new company next year.

That's because you don't mind taking it up the...

[MickAP]

Sorry you're having trouble, I agree with others 14 day cooling off period so use it

Must ask why didn't you stick with Morethan?
I'm pleased with them so far.
I recently changed from an 1.4 Astra, value £650 to an Omega value £2300 for £24 increase on the policy.
The Astra policy was originally only £124.

Mick

[Vamps]

Sorry you're having trouble, I agree with others 14 day cooling off period so use it

Must ask why didn't you stick with Morethan?I'm pleased with them so far.
I recently changed from an 1.4 Astra, value £650 to an Omega value £2300 for £24 increase on the policy.
The Astra policy was originally only £124.

Mick

I am no longer a loyal customer of any company, we have 4 cars and I chop and change depending on the quotes, it's so easy nowadays with the tinternet, Confused.Com for me every time......