boxer asked:
i took out a car insurance policy 3months ago the operator quoted me £1050 pounds which i thought was a bit expensive, she said if i canceled within 14days (cooling of period) i need not pay no moneys!! i canceled within 8days. i got a cheaper quote elsewhere, Now the 1st insurance company are going to take me to Court they are saying i owe then £320 for 8days cover! should i pay them? whats the Law on this can any one help me has i don’t think i should pay it.
i rang them several times & they keep saying i owe them the money i rang consumers direct & even they said i don’t owe them any money’s
policy was inforce.for 8days
Read more about online car insurance quote.
i took out a car insurance policy 3months ago the operator quoted me £1050 pounds which i thought was a bit expensive, she said if i canceled within 14days (cooling of period) i need not pay no moneys!! i canceled within 8days. i got a cheaper quote elsewhere, Now the 1st insurance company are going to take me to Court they are saying i owe then £320 for 8days cover! should i pay them? whats the Law on this can any one help me has i don’t think i should pay it.
i rang them several times & they keep saying i owe them the money i rang consumers direct & even they said i don’t owe them any money’s
policy was inforce.for 8days
Read more about online car insurance quote.
{ 7 comments… read them below or add one }
They just want some money from you. How can you owe them £320 for 8 days. In total your insurance costs £1050 it does not make sense, also you mentioned they said you could cancel within 14 days no charge. I would recommend you phoning them and stating this if they still want the money, then you should seek a solicitor as you should not have to pay the company.
lawyer up and counter sue for harassment
NOOO
\
telll them to F OFF
BTW. you need to phrase this in dollars, not many in here know what 1050 pounds is, other than that is one HEAVY item.
I am not from America but I worked for Insurance Company in India.
first thing what i could get is that the Company didn’t cancelled the policy with immediate effect. check when the policy cancelled in the record of the Company.
second thing when you got the policy your risk was covered by that Company. if any accident happened in that you would have claimed the amount so they will charge you for those days. plz confirm how many days your policy was inforce.
Is there a written section on your policy or the company’s website saying if you cancel your policy within 14 days then you pay nothing? If not then you might be up the creek, however I would ask how they came up with that figure for so short a time on risk. If there is then the next time they call refer them to that section of the policy or that section of their website (you may want to print out that section right now in case they change it) and ask them to confirm that the policy was canceled within the allotted time and then tell them to go pound sand.
Either the operator gave you the wrong information, or you misunderstood them. You cannot get “free insurance” for up to 14 days. When you cancel your policy early, you pay a cancellation fee.
So you got nailed. They’re going to take you to court and win. You’ll never be able to prove that she said that, even if she DID say that, because there’s no “cooling off” period with car insurance.
If they say you don’t owe them any money, have them put it in writing, so you can bring that to court, when you get sued. I don’t think they will.
I would say consult your lawyer, as this looks like extortion. If you can, call your new insurance provider and see if they can pay up the difference.