Thanks unclebulgaria67 I understand what you mean and I know my English not first language, but at lest I know some thing about low. And my argument is:- 1-Why they did not contacted me {By Emails or By Phone} 2- What is the reason the Insurance companies request to fill the form with {Email Address and phone Number}? 3- Sainsbury’s {eSure} does not have record to proof from Delivery Companies the letters sent to the address or received, which we know the royal mail post not 100% guarantee to deliver…And why blaming me for delivery? 4- I have 6 years No Claims Discount from Car Insurance. What was the reason I did not send my No Claims Discount to eSure. Could you advice me …………….

Thanks for your respond... I already have insurance and have 6 years No Claim Discount from my previous insurance. I sent 6 years No Claim Discount to ombudsman as proof… But when June 2011 I sent NCB to Sainsbury’s {eSure} they said we did not received, and they blame me… I want take action against Sainsbury’s {eSure} they to be punished, because I know there are a lot of drives been victim like me and also other reason need to pay more for new insurance 3 or 6 point on your license and other costs, which in both way insurance company make more profit….

Car Insurance Cancelled Due Not Received Proof of No Claims Bonus I never had any problem with car insurance or with police or any companies related. Always my profile was clean until last year October 2011. I got pulled over by the Police On October 2011 around 3:30pm and asked if I had insurance for the vehicle. I truthfully replied that I did and stated which company it was with. Sainsbury’s Car Insurance (eSure) The officer said that the vehicle check flashed up as uninsured, then police phoned Sainsbury’s (eSure) and they advice Police that my insurance been Cancelled, because did not provide the documentation requested and police officer said the insurance company issued two letters. Then police officer gave me a producer to show my insurance and MOT documents at a Police Station. Then later on same day I contacted Sainsbury’s (eSure) customer service they advice me that Sainsbury’s Car Insurance sent two letter by post requesting no claim discount, The letters was dated 03 June 2011and 18 June 2011, which no respond and the policy been cancelled on 13 June2011, and refund some of money of £272 on 21/06/2011, I advised Sainsbury’s (eSure) customer service that I Around June 2011 I sent the original proof of No Claim Discount with pre-paid envelope was provided from Sainsbury (eSure) then after I did not received any letters from Sainsbury car insurance about anything’s. Then I asked Sainsbury’s (eSure) Customer Service, should Sainsbury’s (eSure) emailed me or called me on my mobile phone before cancelling my policy …Sainsbury’s (eSure) Customer Service advised me that {they do not contact Client by emails or phones} Only send letter out by post. Then I asked Sainsbury’s (eSure) customer service to have new insurance, but they advice me I cannot have another policy with Sainsbury Car Insurance and cannot help me! The bank account that I paid for car insurance I did not used any more and due to being generally disorganised, having young babies, work pressures etc… I did not have time to check the bank account. On Wednesday the 5th October 2011 I hade new quote for car insurance and plus I paid £150 for recovery to bring back my car. Then on 7 October 2011 I sent complaint email to Sainsbury’s Car Insurance, which I never received respond. Then on 19 October 2011 I made complain toThe Financial Ombudsman Service against Sainsbury’s Car Insurance (eSure) My argument was that the following below:- 1. if Sainsbury’s {eSure} did not hear from me after second letter, they should contacted me {By Emails or By Phone} I received some documentation by email from Sainsbury’s {eSure} on May 2011 when I had my insurance quote in relation to my car insurance. 2. If car insurance companies do not contact client by email or by phoning them in situation like this, so what is the reason the car Insurance companies request to fill the form with {Email Address and phone Number}? 3. Sainsbury’s {eSure} does not have record to proof from Delivery Companies the letters sent to the address or received. 4. I noticed in both ways Sainsbury’s {eSure} making me responsible? · I sent Sainsbury’s {eSure} NCB documents and they did not received! I have been blamed. · Sainsbury’s {eSure} sent me letters and I did not receive it! I have been blame too. 5. I have 6 years No Claims Discount from Car Insurance. What was the reason I did not send my No Claims Discount to eSure. 6. June 2012 I was in court for hearing about driving car without insurance, the court decision that I was not guilty. Unfortunately 17 July 2012 The Financial Ombudsman Service made final decision was in Sainsbury’s Car Insurance (eSure) favour. Finally I believe if insurance company did not received proof of No Claim Bonuses, they could increase the insurance cost instead cancellation. Do You Think I Have Ground To Take This Case To Court?