Org insurance legal adivce

[BBadger]

If you could be so kind as to shed some of your wisdom upon me it seems im being shafted.

to lay it out clearly when buying the bike insurance this year guy says one thing on the phone....paper work says somthing different.

e.g. "oh yes you get free helmet and leather cover and breakdown with this policy" ....turns out i dont and they cost extra. but their excuse was this was explained....**** off was it!

"any bike that is less in power / or value so to not become your main policy bike will cost £51 to add to the policy"....sorry we dont do that normally or mention it with quotes but it will actually cost an extra £250 to add this bike and then re add the sv will be £50.

and none of this was ever mentioned until i rung up and challenged them....

also their refusing to let me listen to the recording of me buying the insurance.:smt013

swinton insurance is a lie and a con...bunch of *******s!!!!

[Milky Bar Kid]

You need some of the guys that work in the industry to talk you through this now

[BaP]

Ask them nicely to listen to it on your behalf. If they still refuse tell them you don't think you're being treated fairly and will be left with no choice other than to contact the FOS, Financial Ombudsman Service. That will hurry this along for sure.

[sloppy joe]

Ask them nicely to listen to it on your behalf. If they still refuse tell them you don't think you're being treated fairly and will be left with no choice other than to contact the FOS, Financial Ombudsman Service. That will hurry this along for sure.

What he said. Ombudspersons tend to get larger companies sitting up and paying attention. Or you might try a subject access request for all personal data held about you (I assume this will include any recordings held, plus all notes of conversations) under the data protection act

http://www.ico.gov.uk/Global/faqs/data_protection_for_the_public.aspx#fE925923C-0900-4472-B706-0C4BD8F5F688

but I believe that they are entitled to ask for a fee to fulfil this. If they refuse, you can complain to the ICO.

*EDIT* - are you still in the 14 day canx period? (a fee may apply, check this first) - if you really think you are being diddled you may want to shop around, if you find cheaper you can go with that and cancel with your current insurer.

[anna]

When you phone, state clearly you wish to lodge a complaint.

That statement alone should make them pass it up to management level, and registered as a complaint, then put it in writing that you are going to the FOS, letters have to be responded too within a certain time frame (1 week I think).

[BaP]

When you phone, state clearly you wish to lodge a complaint.

That statement alone should make them pass it up to management level, and registered as a complaint, then put it in writing that you are going to the FOS, letters have to be responded too within a certain time frame (1 week I think).

Not completely true about a complaint. When registering one over the phone you don't usually get a response. A written letter is usually the only way to get a written response. Normally, they have 8 WEEKS(!) to respond to a written complaint.

Take it to FOS. And yes, you will need to pay an 'admin fee' to access the data they have on you.

[anna]

http://www.financial-ombudsman.org.uk/consumer/complaints.htm

[Gazza77]

Put in a Freedom of Information Act request for a copy of the recording. AFAIK, they have to provide it to you, though it does cost a nominal fee (£10 I think).

[BBadger]

Thanks everyone ive spent the day hassling them about all of this......and more lies!
i have till the 28th to cancel it so i may see where it goes 1st but i think taking the £50 hit might be worth it atm.

Tomorrow complaints and abit of FOS remarks to see if i can get them to actually call me back rather than "call you back this afternoon .....sorry she went home at 1" only about 5 mins after i called.

[thefallenangel]

Put in a Freedom of Information Act request for a copy of the recording. AFAIK, they have to provide it to you, though it does cost a nominal fee (£10 I think).


Had this problem with BT.

E-mail in a complaint asking for someone to phone you, ask for a freedom of information act information to allow you to obtain the phone call and chase like anything. Phone them at the same time too asking for the same thing and someone will get through to you. Only way

I am now £100 up on BT.

[Specialone]

Swinton will have competition next year, they sent me a renewal saying this was there best price, but when i went on go compare and found it £200 cheaper they suddenely could offer me something £220 cheaper.
They also wouldnt let me add my drz on the policy so had to take out another one with zero no claims.
It then cost me £250 extra when i upgraded to the sprint.
I will hopefully find the same cover cheaper elsewhere next year and tell them to do one.

I know from experience, threaten them with further action, cos if you know your right, they will bottle it, they did with me (not swinton though).

[BBadger]

This is what the whole hassle is mainly about specialone...i want to add my dr350 to the policy, got told £51 as its less than the sv in all respects but now have changed their minds saying it cant be done, then it would be the main bike in the policy costing me £250 although its an insurance group lower.....FOOLS!

[Messie]

Arhghhhh! My head hurts. Badger is talking to Badger x

[emcf]

it's under the data protection act that you can request information they hold on you in this case. Freedom of information act applies only to public sector bodies. under the data protection act they can ask for a fee which is £10 iirc.

they #should# register a verbal expression of dissatisfaction as a formal complaint but like someone mentioned it is probably better to do it in writing. it will help you set our all the points you want considered and will help keep things civilised.

they then have 8 weeks to consider your complaint and respond - the FOS will not be interested until you have allowed the firm the opportunity to consider your complaint.

when their complaints procedure kicks in they should inform you of the contact details of the FOS.

[Iansv II]

As others have said, Follow the complaints procedure and if they don't resolve then you go to the ombudsman... The ombudsman won't even look at it until you've followed the listed complaints procedure...

It should be in your policy booklet or policy wording in black and white your exact steps