Help needed re potentially sticky insurance issue

Originally Posted by SoulKiss

Hmmm tricky one that.

Does he have legal cover on the Gixxer?

If so, then it MIGHT be possible to get proper legal advice on this one.

For the record, most reputable insurance companies/brokers get Covernotes out same day - I went with H&R nr Aberdeen, spoke to them last Thursday and had my application form AND cover note on Saturday morning - Infinity needed the CN to get it taxed.

So after a week I would have thought a call would have been in order - note I am not having a go at you here, just thinking what Plod might think/say - may be worth having a story about how your other half assumed you had got the mail that day and filed it away, and vice-versa - tho to be honest I wouldn't bother - in this case being completely straight with Mr Plod may be for the best.

I think the precedent shown - that he actually has a bike with insurance (the Gixxer) and car insurance that he might get away with it.

Try Citizens Advice, also if either of you work for a big company there may be a "support line" for employees - these usually have legal/financial people manning them (or you can be referred to one) and are usually quite good but also confidential.

Good to meet you the other night btw - hope this works out ok

David

Oh another thought - were you there with him when he called Carole Nash - also they probably recorded the call - now if that is a digital system (ie to Hard Disk rather than Tape) then it may come under the Data Protection act.

Also their computer systems MAY log when someone accesses a policy - maybe not if it wasn't to make a change - but those logs may show something, again a Data Protection issue, although to be honest I cant see why they would do a cover up.

I'm sure the data protection act covers all media not just hard disks .
virtually all insurance company's record there calls also if your phone sends its calling line ID then it 'll probably appear on the call logger for the telephone system.

chris

cheers for the tips & advice. we've had a bit of a breakthrough in that Carole Nash have finally bowed to the weight of evidence and admitted that we called them and they stuffed up. Still not out of the woods with the police, but looking MUCH better than it did earlier this week anyway!

Originally Posted by RizlaSV

cheers for the tips & advice. we've had a bit of a breakthrough in that Carole Nash have finally bowed to the weight of evidence and admitted that we called them and they stuffed up. Still not out of the woods with the police, but looking MUCH better than it did earlier this week anyway!

brilliant news, i hope it all works out for the best,

well done to Carol Nash for admitting it was their fault. they probably could have wriggled out of it somehow.

hope it goes ok with police

[Viney]

If the insurance is being back dated then all well and good. If not, then id expect a mighty slap on the wrist. But hey, could have been worse, could have been you Ness

Good news indeed Ness, and hope this all gets sorted now.
But you managed to miss out a crucial bit of information - how come Etienne got given a producer?!

[Stu]

The cynic in me just says CN wants to back date it's premium by a month, after all it's for a producer not a claim.

Originally Posted by CoolGirl

Good news indeed Ness, and hope this all gets sorted now.
But you managed to miss out a crucial bit of information - how come Etienne got given a producer?!

Overtaking on double whites - so that he could get a clear run on the Pirbright bends! no more justification needed I would say, but hey the police seem to see these things differently

Fair play to him for taking the punishment on the chin, mind you 3 pts and £60 from isn't so bad from 10 yrs of riding sports bikes over here!

all calls will be recorded (dont let them tell you that only some are...its rubbish)

track down when you called. to help them. although we used to have a system on the computers where we could see if any consultant had been into the customer file. from those records we could cross reference against the recorded calls for that consultant. match the time of call on the recorxdings and the time of entry into the file and bingo. you have a call to listen to. if they cannot do this, they are a joke. it will be a manager who does it probably. so it will need some time.

rules to get best response:

1) be polite
2) ask them to help (ego trip the consultant)
3) if they say they cannot help. ask to speak with manager.
4) explain the urgency. explain you called. ask them to track down the call
(if you get any agro at this point explain you have proof that you calle them....if you do that is.)

If they are awkward/idiots:

1) mention words like the FSA, the ombudsman.
2) demand their name. they must give this.
3) ask to make a formal complaint. over the phone. it is a requirement of the FSA that a complaint is recorded at the first point of contact. they then have 48hrs to come back with a response.

lots of companies say they need a letter of complaint. its rubbish. they cannot force you to do this only...though they can request a written copy to back up their file. it is designed so people give up.

anything else i can help with....just ask.

Paul

Originally Posted by RizlaSV

cheers for the tips & advice. we've had a bit of a breakthrough in that Carole Nash have finally bowed to the weight of evidence and admitted that we called them and they stuffed up. Still not out of the woods with the police, but looking MUCH better than it did earlier this week anyway!

didnt see that! well done. as stu says. they will probably do it by nbackdating the cover.

Paul