Igo Car insurance

[vialli69]

Hi Everybody,

My wife's car's insurance recently came up for renewal so I went to confused.com I got a good quote from igo insurance for £260.00 pounds.The policy would be in my name with my wife as the named driver.

I received the cover note around a week later and they requested proof of a no claims bonus, so I sent them a copy of my own car insurance policy which they sent back and said I could only have my no claims bonus with one car I wasn't aware of this and have been insuring this car like this for the last two years.

When I called the call center to discuss this they said I would need to start a new policy with no no claims bonus which would cost £840.00( way to expensive!) I then went to confused.com and typed my details in with no, no claims bonus the price was £434.00. I then called igo insurance and told the price I have found they told me there was no way they could match that. and they best they could do is £840.00 pounds.

I then told them I would need to cancel the policy which had been running for 3 weeks they told me there is a £85.00 cancelation charge and a £25.00 pound charge for the cover I have had for two weeks, I told them this was unacceptable and it was a simple mistake on my behalf, but they kept referring to there terms and conditions.

To me it seems when they realized I had made a mistake instead of trying to help all they where trying to do was sell my a ridiculously expensive policy.

I said I wanted to complain about there excessive charges and I want to write a letter, could anyone out there come up with a letter for me that may help me contest these charges and possibly help me get these charges reversed.

I am unemployed and have to fight for every penny.

Any help will be appreciated

[MARTIN3030]

Ok will try to sort something out for you.

Have they put anything to you in writing or has all this been done by phone ?

 

Also did you take out the policy online ?

[vialli69]

Hi Martin,

 

I have only phoned them, sorry to keep you so busy today but am trying to take control of my finances.

[MARTIN3030]

Ha Ha yes....busy is a good word.

Yes I understand - its good that you are wanting to address everything-this can often be the problem in that some do not know where to start I can see that you want to get things rolling.

That can only be good.

[vialli69]

Martin if you do get a chance to write me a little something to my insurance company that would be great..

[cazzaswfc]

Unfortunatly this sounds like a very common occurance, lots of people are not aware that you can only use your NCB on one policy at a time ( getting a 2nd car means you have to start a 2nd set of ncd from scratch)

 

try your existing company that insure the car you are using your ncd on - they may give you an introductory discount ( sometimes mirroring your ncd to give the same discount)

[vialli69]

Thanks cazzaswfc,

 

I'm trying to contest the cancellation charges as they seem unfair

[MARTIN3030]

Ok I have sent you pm.

[MARTIN3030]

Just run it past spellchecker-I did it from top of head so did not check it.

[vialli69]

Thanks Martin, will post off on Monday, i will let you know the outcome

[MARTIN3030]

Ok no problem.

[vialli69]

They Uphold there terms and conditions and didnt refund me any money

[JGtiling]

Hi there. ..I had the same problem with the car insurance.. Igo sent me the policy 3weeks late.. charged me £50 for information being late plus £ 100 to leave the company...so I contact the FOS to get my money back!

[unclebulgaria67]

Hi there. ..I had the same problem with the car insurance.. Igo sent me the policy 3weeks late.. charged me £50 for information being late plus £ 100 to leave the company...so I contact the FOS to get my money back!

 

Follow the IGO complaints process first and if they are not helpful contact the FOS.