Go skippy cancelled my insurance

[iggy74]

Quote

Hi, i commenced a new car I insurance at the end of June. I had an additional driver on my policy for whom id provided driving licence information and confirmed no convictions etc. Go skippy emailed to request a driving summary for him however couldn't do this straight away as I was in holiday and also had to request and wait for this to be sent to me before I could send to them.  I received a text the day I returned from holiday at 6pm stating my insurance was cancelled- this was 3 weeks after policy had started and I had paid a deposit plus one monthly instalment to them.  I tried to contact them when i received the message to be informed that their systems had crashed and to phone back at 9am. When i called them back they informed me they could have done something if id called the day before! I explained re holiday etc but they refused to allow me to reinstate policy but said If I paid them £145 cancellation fee they would start a new one! I have had to find alternative car insurance and they are now threatening court action if I dont pay this fee within 2 weeks. Is this legal? Would appreciate any advice

 

Hi, i commenced a new car I insurance at the end of June.

I had an additional driver on my policy for whom id provided driving licence information and confirmed no convictions etc.

Go skippy emailed to request a driving summary for him however couldn't do this straight away as I was in holiday and also had to request and wait for this to be sent to me before I could send to them. 

I received a text the day I returned from holiday at 6pm stating my insurance was cancelled- this was 3 weeks after policy had started and I had paid a deposit plus one monthly instalment to them. 

I tried to contact them when i received the message to be informed that their systems had crashed and to phone back at 9am.

When i called them back they informed me they could have done something if id called the day before! I explained re holiday etc but they refused to allow me to reinstate policy but said If I paid them £145 cancellation fee they would start a new one!

I have had to find alternative car insurance and they are now threatening court action if I dont pay this fee within 2 weeks.

Is this legal?

 

Would appreciate any advice

Edited August 2, 2023 by BankFodder
Restructured in order to make it readable

[iggy74]

Hi, they said it was because they hadn't received the driving licence summary for my additional driver. I offered to get it to them but was informed it was too late. Not sure why they needed this as I'd provided the licence number,  they didn't ask for mine just for my additional driver 

[iggy74]

Hi, my policy commenced at the end of June and I paid around £35 at this point then around £35 for my first instalment the second week in July - sorry, I dont have exact amounts to hand.

I have never been with this company before, the fee (£145 ) they are trying to charge me is for them cancelling my policy.

I did receive the request for the summary before holiday but couldn't respond immediately as it wasn't for a document I had. 

it's not my summary it's my additional drivers summary so I've had to request it from them and hadn't received it before I went on holiday.

Sorry for the solid block of text. Hope this reads better