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Almost fraudulent

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Almost fraudulent

Old 8th Sep 2011, 08:58
  #1 (permalink)  
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Almost fraudulent

I have just now had a email from the boss/’er indoors to say that she has just checked her card statement and found that a "home insurance" company that covers a multitude of services and which we have used for some time, has renewed the annual insurance for £524 without her confirmation. She was rightly hacked off and rang them saying as a result she was cancelling the policy.

They instantly reduced it to £374.88.

Doesn't that sort of thing really get on yer tits.
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Old 8th Sep 2011, 09:07
  #2 (permalink)  
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My credit card company in India said my card had no Annual fee. Each time the card expired (to be replaced by a new one with the same number), the month after the new card arrived I'd find an annual charge on my statement. Twice I've had to call them and raise the roof. Twice I've had the fee struck off.

I've a right mind to ask them to pay for two minutes of phone time.
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Old 8th Sep 2011, 09:23
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What gets on my tits is the fact that these companies firmly believe that they have a god given right to re-new policies without the express consent of the policy holder and take money off your card/out of your bank account. What happened to the days when you just didn't renew an insurance policy (home, car etc) and that was that.

I had a similar problem with Admiral on a car policy last year, I sold the car the week the insurance was due to run out and as the car was picked up by the new owner on the day the policy ran out, I didn't see the need to inform the insurance company as I would just not bother renewing. By chance, I checked my credit card statement online a few days later (looking at something else) and found that Admiral had taken £360 off my card! When I rang to ask to complain and for the money back all I got from the call centre monkey was 'we do inform customers that the renewal will be processed unless you tell us not to and we feel it's better that a customer's car remains insured as it is a legal requirement to have insurance.' When I told him I wanted a refund, the guy had the cheek to tell me there would be a cancellation fee! BOOM! Standard hits the roof! Much effing & blinding, threats of legal action (telling them you'll inform Mastercard of a fraudulent transaction among other things) and a stern letter to his Chief Exec later, a full refund is promised and it duly arrived four days later.

Wucking fankers!
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Old 8th Sep 2011, 10:19
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Our Pet Insurance tried the same stroke a couple of years back just upped the monthy payment for no good reason, a angry phone call reduced it back to what it was pre letter,they are a bunch of thieving scumbags who just try it on every now and again and a lot of people will just hand over the cash without question,so they cannot lose.
Insurance companies are almost bigger scoundrels than the energy companies,almost.
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Old 8th Sep 2011, 10:21
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Our Pet Insurance tried the same stroke a couple of years back just upped the monthy payment for no good reason, a angry phone call reduced it
Threatening to unleash the JR might have had the same effect.
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Old 8th Sep 2011, 10:28
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Location: Newcastle/UK
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Just done a quick calculation over the last few years we have handed over about three grand to the buggas and I think we got back about 60 quid once which actually shocked me a bit, I didnt think anybody actually got any money back,I just thought it was a kind of tax on having a Dog.
I was obliged to take out a couple on million quids worth of cover on a Contractors Liability Policy lest one on my chaps dropped a hammer on someones noggin,the policy came with a thick book, the first three hundred pages of get out clauses and the last two pages of stuff they actually covered you for.
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Old 8th Sep 2011, 11:28
  #7 (permalink)  
Join Date: Aug 2001
Location: UK
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Two things I always make clear at the beginning of any conversation with insurance companies etc:-

1) I do not want my contact details distributed to other organisations.

2) Any payment authorisation is for one specific premium, and not for subsequent recurrent renewal.

It usually works.
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Old 8th Sep 2011, 12:05
  #8 (permalink)  
Nemo Me Impune Lacessit
Join Date: Jun 2004
Location: Derbyshire, England.
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It usually isn't the Underwriter who renews the insurance cover, it is the Broker/Agent who works on commission and is hopeful you will go along with it, (thousands do). Unless you get into a dispute you are highly unlikely to ever be talking to the Underwriter, even then you are more likely talking to their lawyers.

Insurance is just another industry, it is not a profession. You present a risk and the Underwriter assesses it based on your personal circumstances and the actuarial evidence available, the rate produced is based on you telling the truth. If you lined up a hundred Underwriters and gave them the same risk to evaluate they would all come up with a similar price, there is no such thing as cheap insurance, only reduced cover.

I use the comparison of buying a new car. If you check out several dealers for the same model then you will get a variation of a few hundred pounds, not much more. Check out the price of a Volvo 860, for example, to a Suzuki 990 and yes, the difference will be massive. You only get what you pay for.

Insurance fraud is huge, really huge. I remember one underwriter telling me that it always amazed him how people on the cheapest of holidays always had Gucci luggage with several thousand pounds worth of cameras etc. included!

When last in UK, 1979-1989, I used a firm based in Bournemouth and their pet insurance was good cover and a no problem claims department.

The real crunch comes when the dearly loved pet of many years becomes sick and requires very expensive surgery, then all those premiums suddenly become worth it.
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Old 8th Sep 2011, 12:26
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Here's what NFU mutual did to me. I won.

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Old 8th Sep 2011, 12:39
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Nemo Me Impune Lacessit
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Of course you did, you were right and you were dealing with an incompetent who should not have been allowed to sign letters.

I don't support insurers 100% regardless. I had a bitter fight with them over damage to a car in 1987, caused by the hurricane in the SE England.

I won too.
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Old 8th Sep 2011, 14:50
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My wife paid for the car insurance using her credit card. Towards the end of the policy period her credit card was said to be subject to a security risk it was cancelled and and a new one would be sent out. That was a right pain but no choice.

Doing a bit of research she found an insurance company that offered a better annual premium and paid up using her new card. Didn't think to tell the previous insurance company that we were not renewing because, well the card details they had would no longer work. You can imagine her surprise when she checked her new card statement to find the renewal for the old policy had been debitted.

Apparently when a renewal is presented with old card details then these are automatically transferred to the new card and these details advised to the merchant.

I seem to recall once we were a bit late in renewing our house insurance and the company said they would normally continue cover for 15 days to cover this eventuality and if after this period no renewal then cover would lapse regardless. Now what sort of nonsense is that.

You buy something in timbuctoo and that produces a raft of security alerts and all the stuff necessary to prove it was a genuine purchase and then the credit card company just rolls over all the previous card debit approvals any one of which might have caused the securty alert and card cancellation in the first place.

Last edited by driftdown; 8th Sep 2011 at 14:53. Reason: To add a bit
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Old 8th Sep 2011, 15:38
  #12 (permalink)  
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Why is this thread titled "Almost Fraudulent" ?

- You make a contract
- They vary the terms in a way which is not in the original contract.
- It's fraudulent !

YOU try varying the terms with or without telling them and see what happens !
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Old 8th Sep 2011, 20:25
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Swinton, who I left a couple of years ago, phoned me to give me a home insurance quote tonight , I agreed to let them give me a quote on the phone as I nearly looked them up online today anyway, thinking they have my details so it shouldn't take long.
I then get passed to another chap who asks for my name, first line of address, which he mis hears twice, I correct him, he asks for my postcode, then repeats back the wrong house number again, I am starting to lose my patience as I am thinking why are they not just using the details on their computer. It was when the chap asked me for my contact phone number that I hung up. You called me you numpties.
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Old 8th Sep 2011, 21:18
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By coincidence, I bought my new car insurance ten minutes ago via compare-the-market (I shall refer to them as CTM).

Couple of things annoyed me:

1) CTM said on their website that I could pay by calling the insurer direct, quoting my internet reference number. Not the case, I tried and they said I had to take out the policy online to get the price quoted. The insurance company also said they got a lot of telephone callers trying to pay, and that the CTM website wasn't giving the right info.
2) When I applied online, I had to check all the details I'd already put in via CTM...which had been transferred to the insurer's online forms. My claim history required a number of significant corrections and my annual mileage had been inexplicably reduced from 18000 to 14000...with the correct mileage, the premium quoted was more expansive than the original CTM quote!

I just want to buy stuff like this by talking to someone sensible on the phone...but then the price absolutely skyrockets because of their "administration costs".


EDIT: and I've just noticed that my cover is apparently not applicable if my car is parked in "an airport where aircraft take off or land" WTF?????
Phone call tomorrow I think!
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Old 8th Sep 2011, 21:40
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Well you'll just have to go and work at an airport where aircraft don't take off or land*, won't you?

*like Cardiff.
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Old 8th Sep 2011, 22:23
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Just had a similar problem with Churchill. (Oh yus!). They sent a renewal notice some couple of weeks ago. Didn't like the price so did a confused dot com. Went back to Churchill and, with a couple of amendments, their price was even worse. Told the guy I wasn't interested so he said automatic renewal was taken off my account and, if I wanted to renew with them, I would have to call them again. Noticed a usual monthly amount was taken from my account. Another phone call. They said this was correct due to last payment owing but said that the automatic renewal had not been cancelled but she would do it now. Received two more renewal reminders since then - one in post and one email. Today, 6 days after finish date of insurance, I get a new certificate in the post with confirmation of monthly payments etc. One more VERY angry phone call to be told automatic renewal was not cancelled, but is now (yeah!), and asking for certificate to be sent back to them with covering letter. I await the next installment of this saga.
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Old 8th Sep 2011, 22:33
  #17 (permalink)  
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YWL went through an interesting mine field with his insurance,
After an accident last year he served a 13 month ban, found a car and started looking at insurance.
After talking through the application on the phone the certificate arrived, it was incorrect ( the sort of error where insurance companies would refuse to pay out)
Rang them, confirmed the correct details, new certificate.. a duplicate of the first

He then got serious (this is him at his most scary after a couple of years dealing with couriers and sub-contractors at work) they finally got it right and refunded £200 from the costs
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Old 8th Sep 2011, 22:59
  #18 (permalink)  
Nemo Me Impune Lacessit
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Location: Derbyshire, England.
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I seem to recall once we were a bit late in renewing our house insurance and the company said they would normally continue cover for 15 days to cover this eventuality and if after this period no renewal then cover would lapse regardless. Now what sort of nonsense is that.
Actually that is pretty standard with most insurers, 15 days held covered, BUT they should have warned you that your policy was expiring.
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Old 9th Sep 2011, 09:37
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We've had a generally good experience with the company that advertises using a red telephone and mouse. We get a reminder saying that if we wish to renew, do nothing and it'll be automatic. I've tried comparison sites and found them a PITA, and have yet to find a competitive quote. That's for the car. Home and contents insurance we sometimes switch between bank and building society; the difference in quotation is usually minimal. I guess we've just been fortunate.
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Old 9th Sep 2011, 11:19
  #20 (permalink)  
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Location: Balmullo,Scotland
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Had the same kind of thing with car insurance the policy was in my ex-wife's name but I had been paying so the renewal came in my name, called before the due date to tell them that we were no longer together and would not be paying off course had many letters emails and calls threatning various horrific outcomes if I did not pay took 3 months to sort and get my cash back.
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