well... If there is anyone out there that works with insurance companies or has a better knowledge of insurance than i do, any help would be appreciated
I took out an insurance policy with a company and was quoted a price based on providing 5 years of experience (not no claim bonus) I was told I would not need anything from previous insurers, but a simple company headed letter with details of how long i had worked for them and that I was claim free.
Not a problem.
The underwriter was policy plan and they confirmed all of this before i said yes lets do it.
2 weeks later, I get a call saying that I need to provide a policy number for the insurance that I was on from which the experience was gained. I questioned this because I was told that I would not need to provide any policy numbers. However, I did the leg work and the companies I used to work for provided me with another headed letter which included the policy number.
Somehow this wasnt acceptable and they now wanted a letter direct from the insurer with this information otherwise my already expensive (courier) insurance would have an additional premium of £1088 added to it.
So i say F that something isnt right here, and i argue my case. The insurance company send me the inception call where i say, "will i need to provide a policy number" followed by the advisor saying, "no". I then say, "so all you need is the proof of experience, nothing else", to which the advisor says, "yes thats right".
so straight away I'm offered £500 toward the additional premium as its obvious the insurers are in the wrong, but they blame the underwriter - policy plan - for the cock up. I cancel and find another insurer
The second insurer.
After making sure, double triple and even octuple checking that all i would need to provide is courier experience, no policy numbers or proof of no claims, literally just the experience. I go for another insurance scheme with a company well known on this board and im sure many of you use, I take out another insurance policy.
2 days later my documents come through the post and i have a look. The underwriter is policy plan again.
2 days after that I get a phone call from the insurers and guess what, i need to provide policy numbers blah blah blah otherwise my premium will be raised by £1088. hmmm
So now as it stands, I have paid 2 deposits and a few instalments totalling around £1550 not to far off the cost of a year policy if i had paid in full and have been insured for a measly 2 and a bit months.
is there anything i can do? both companies are extremely unhelpful and the second insurer I will never use again. in fact as my sx is insured with them I will go out of my way to make sure I avoid them when renewal comes about.
thanks guys
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Originally Posted by user23456
