vusys1
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Everything posted by vusys1
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tesco only issues policys to perm residents of the UK( have to live in the UK for at least 9 months of the year)., if your son is out of the UK for 9 months of the year this should have been disclosed as this would also have a baring on wether cover would have continued. Back to the problem in hand. If the policy had already been cancelled due to payments they would have written to your sons address or the advised correspondance address at least 3 times. Twice usually to advise there are payments issues and the 3rd and final time to confirm a cancellation date unless payment is made. I assume that the policy had already been cancelled before you were stopped? if you called to make a payment,they only would have taken any outstanding monies owed,they would not confirm the status of the policy if it was already cancelled & that confirmation of this had been sent. r.e the above. Tesco do not need POA, as long as the son has confirmed that his dad can call & make changes on his behalf, thats ok.
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can you give the circumstances of the events? the above is confusing. I was stopped while making a call to change the named drivers on my sons policy.?? are you a named driver on this policy and were you stopped driving your sons car? only my cover was discussed?? they are in breach for no changing my address?? if its your sons policy it is down to your son to notify Tescos. payments departments would only be involved in the payments side of policys and would not be able to discuss or action changes of address or levels of cover etc. if you were stopped at the roadside,the Police normally call through to check that the driver is covered or vehicle is insured. Iam only assuming that the policy has been cancelled for non payment as you have mentioned the payments departments.
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tescos withholding no claims bonus
vusys1 replied to mandark99's topic in Insurance/Assurance Companies (Not Car Insurance)
when they told you your DD had been paid it is possible it had not been rejected by your bank as it can take upto 10 days. as for them asking for the full premium I would ask for a cancellation breakdown as the only time they would ask for the full premium is when there has been a claim submitted. if there is money o.s they can withhold the ncdcc -
this looks like a breakdown between your insurer & enterprise. If you were told ERAC were going to arrange a car, why would you expect to give your details to a GCH. ERAC should have called you to confirm that they would arrange a alternative hirer (possibly due to location etc?),before letting them call and ask for payment. I would get back onto your insurers 1st to arrange the CC,you are entitled to this.
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ask them for the mechanics report confirming what the modification has entailed and the resulting increase in BHP. Then mention the FOS as you have not been given a clear and concise reason on how they have arrived at that decision, as they are no claiming it is now only an opinion?? I thought they had an expert mechanic look at it;) if it also there opinion that the exhaust had been replaced, have they said anything about new "modified tyres,brake pads,oil,brake fluid,anti freeze etc". just checked their website, cant see anything defining the word modifications,but there is this,ask them what part of exhaust made it one of these. You must tell us as soon as possible if any of the following happens: • you change your car • you make changes to your car which improves its value, performance or attractiveness to thieves
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Insurance decline NCB after 5months
vusys1 replied to skyline001's topic in Insurance/Assurance Companies (Not Car Insurance)
if you declared you were only a named driver on another policy and they quoted you on that basis,they should stand by the original quote for the 1st year. -
they should have confirmed to you the "modification" and your reasons for them not being informed,also they should have told you how much extra premium they wanted, they are not allowed to take any money without your authorisation. Did they say if the exhaust increased the power of the vehicle? as this is usually what would only have a baring on increasing the premium, as chrome,stainless steel exhaust are usually fitted due to longer life etc. how much extra did they charge you?
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if that was the case, we would have only have to give our personal details & house details and the insurance company can make up the terms & conditions,excesses,premiums and you would only know these when your read through the policy booklet,schedule etc and then if you dont like then cancel.. In regards to the locks,i thought they were not allowed to only quote BS3621 as an acceptable standard?? I can remember that we had u/w updates which showed other makes of locks of european manufactur without the BS mark as an equiv or sometimes even better that were acceptable.
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mossy is correct even if the OP insurers are satisfied the TP is at fault, I bet the TP insurers are saying the same thing to their insured. Until the TP insurer adimts their insured is at fault it will be an open claim. Also claims will be reluctant to confirm that NCD can be allowed (as this is not their field etc) they would wait until all costs recovered and claim closed.
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this was a loophole that people were using when friends cars were impounded for no insurance. The person with DOC would turn up and be able to get the car released as the cover would provide the minimum 3rd party cover. This loophole has since been closed as only the vehicle registration on the cert is the only vehicle that can be released if impounded.
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sorry but your wrong, the other car does not have to have valid insurance as the 3rd party cover provides the minimum cover required by law. Check your policy,although you may have comp cover this is not automatically provide doc cover as age and occupation will sometimes excluded this cover, usually under 25`s and professional drivers and motor trade etc. And the 3rd party cover is only valid while the vehicle is being driven.
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Guilty party won't pay up
vusys1 replied to ThetaOmega's topic in Insurance/Assurance Companies (Not Car Insurance)
when you say the guilty party wont pay up do you mean the individual or the TP insurer?? -
Is my Insurance valid?
vusys1 replied to Kevin23's topic in Insurance/Assurance Companies (Not Car Insurance)
How will the the TP know the correct time if they were not present? -
Insurance on courtesy car
vusys1 replied to lg33's topic in Insurance/Assurance Companies (Not Car Insurance)
yes his policy has expired....."courtesy car for the duration of the reapairs" If this is the policy wording and he has fully paid, it should continue until the repairs are completed,regardless if the policy has since expired & it should be then down to the insurance company to provide cover. Should they also stop repairs?? Best to have an accident while you have got a few months left on your policy then;)
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