jazz1 Posted January 10, 2008 Share Posted January 10, 2008 well i was going to cancel my policy as my brother found a trade policy which is cheaper for me him and my dad. Anyways cut the long story short im paying 1966 with adrian flux and in four set payments. The first payment i payed was 498 the second payment came out this month for 502 and when i called to cancel the thieving w@nkers said i have to pay them 80 pounds to cancel and not only that i dont get any money back although my policy is only been month and half can that be right they wont refund me nothing? Link to comment Share on other sites More sharing options...
Matt H Posted January 10, 2008 Share Posted January 10, 2008 Im sure you have the right to cancel at any time, admin fees may apply, but i'm sure you should be entitled to a refund if you have paid up front Link to comment Share on other sites More sharing options...
neil tt Posted January 10, 2008 Share Posted January 10, 2008 They are robbing bas---ds:( Link to comment Share on other sites More sharing options...
jazz1 Posted January 10, 2008 Author Share Posted January 10, 2008 Im sure you have the right to cancel at any time, admin fees may apply, but i'm sure you should be entitled to a refund if you have paid up front the thing is i didnt pay all up front im paying in four set installments, she said if i did pay up front i would of got a refund, surely that cant be right thieving gits Link to comment Share on other sites More sharing options...
Matt H Posted January 10, 2008 Share Posted January 10, 2008 the thing is i didnt pay all up front im paying in four set installments, she said if i did pay up front i would of got a refund, surely that cant be right thieving gits ummm, sounds like a bit of sh*t situation, i've never heard of 4 installments?! might as well ride out half a years no claims then! Link to comment Share on other sites More sharing options...
ShamelessTT Posted January 10, 2008 Share Posted January 10, 2008 Nah that cant be right, read ur terms and conditions unless it states theres not refund if the policy is cancelled early or not paid up front then youve got um. Ask for a copy by post if you havent got them. I cant see that being right, cos thats just robbing someone of money should there circumstances change!! Lets face it S*** happens. Si Link to comment Share on other sites More sharing options...
jazz1 Posted January 10, 2008 Author Share Posted January 10, 2008 ummm, sounds like a bit of sh*t situation, i've never heard of 4 installments?! might as well ride out half a years no claims then! well my brother said he will speak to them tommorow, im getting the trade policy which lets me drive any car i want any mods regardless of my points and all my brother wants is 1k of me Link to comment Share on other sites More sharing options...
Whitesupraboy2 Posted January 10, 2008 Share Posted January 10, 2008 you wont be insured fully comp will you on the trade policy though? I wonder if your get stopped by police alot as it will show car as not insured as 'you' will be insured instead of the car. Link to comment Share on other sites More sharing options...
jazz1 Posted January 10, 2008 Author Share Posted January 10, 2008 you wont be insured fully comp will you on the trade policy though? I wonder if your get stopped by police alot as it will show car as not insured as 'you' will be insured instead of the car. hes putting the supra under the policy Link to comment Share on other sites More sharing options...
jazz1 Posted January 10, 2008 Author Share Posted January 10, 2008 called them back the girl i spoke to was a new starter anyways spoke to someone nice and she said you will get back 367 refund so i might cancel it as i can pay the 1k i have left on this poilcy for the trade and even get to drive my brothers scooby Link to comment Share on other sites More sharing options...
ShamelessTT Posted January 10, 2008 Share Posted January 10, 2008 You must of had a numpty before lol. Like a no star @ Maccy D's Link to comment Share on other sites More sharing options...
Ian R Posted January 10, 2008 Share Posted January 10, 2008 Thats sounds a bit better Jazz Oh P.S I take it you missed the threads about swearing in the public forum. Couple of ** wouldn't go a miss in your initial post Link to comment Share on other sites More sharing options...
jazz1 Posted January 10, 2008 Author Share Posted January 10, 2008 ooops sorry wont let that happen again, so basically my name will be on the trade poicy which covers social and domestic use on any car third party but the supra and 3 other cars will be fully comp insured under the policy so that means for 1k i can drive my brothers scooby aswell as my supra:) plus any modifications Link to comment Share on other sites More sharing options...
michael Posted January 10, 2008 Share Posted January 10, 2008 I presume you've looked into the amounts trade policies pay out if you make a claim for a total loss? Link to comment Share on other sites More sharing options...
jazz1 Posted January 10, 2008 Author Share Posted January 10, 2008 I presume you've looked into the amounts trade policies pay out if you make a claim for a total loss? it doesnt only cover cars it covers the whole garage jamiep has one i think his pays out over 50k Link to comment Share on other sites More sharing options...
michael Posted January 10, 2008 Share Posted January 10, 2008 it doesnt only cover cars it covers the whole garage jamiep has one i think his pays out over 50k I looked into it myself some time ago - I guess they vary but on the fairly decent one I was tempted into they were happy to cover all mods you could ever imagine but in the event of a claim you got trade price for the base car. For me it was too much of a potential loss, you are also affected if one of the others makes claims. Link to comment Share on other sites More sharing options...
jazz1 Posted January 10, 2008 Author Share Posted January 10, 2008 this one my brothers found is 4k for just the policy so it must be good if he keeps calling me and telling me loads of information lol Link to comment Share on other sites More sharing options...
michael Posted January 10, 2008 Share Posted January 10, 2008 Just do your homework too fella, I don't want to see a post where you've had the car nicked or someone has hit you and they are only offering £2k or something silly. Link to comment Share on other sites More sharing options...
jazz1 Posted January 10, 2008 Author Share Posted January 10, 2008 Just do your homework too fella, I don't want to see a post where you've had the car nicked or someone has hit you and they are only offering £2k or something silly. yea im going to discuss this later when my dad and brother gets here Link to comment Share on other sites More sharing options...
jazz1 Posted January 11, 2008 Author Share Posted January 11, 2008 spoke to the trade insurance guy and he said my supra will be put under the policy along with my dads other cars and the subaru. He said i can drive any car as long as im over 21 and i told him to declare my modifications etc. The supe will be insured fully comp and he said my dad will be the main policy holder and the policy states his family are alowed to drive the cars or any cars any time for social and domestic pleasure:) i will cancel my policy once this is taken out and il save 400 pounds oh and the cars are covered upto 30k Link to comment Share on other sites More sharing options...
Ian C Posted January 11, 2008 Share Posted January 11, 2008 oh and the cars are covered upto 30k Alas that doesn't mean they will actually pay out 30k Did you find out how much they would pay out, is it base blue book value? Link to comment Share on other sites More sharing options...
michael Posted January 11, 2008 Share Posted January 11, 2008 oh and the cars are covered upto 30k ...if they are actually worth £30k to the trade. Link to comment Share on other sites More sharing options...
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