Just a quick one - I hope!
My girlfriend has just bought a car, and didn't bother to shop around for insurance, just went with the same company her mother is with. I've just looked at one site and got a premium £130 cheaper and I'm sure I could find ones even cheaper with a bit of searching. As the insurance doesn't start until Saturday, does she have any right to cancel or a cooling off period?
(As an aside, do women ever bother to search around for cheaper premiums? I know my mother doesn't bother even though I've shown her sites where she can get cheaper insurance...)
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(As an aside, do women ever bother to search around for cheaper premiums? I know my mother doesn't bother even though I've shown her sites where she can get cheaper insurance...)
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As far as I'm aware, she has every right to cancel but may be subjected to a administration fee. I may well be wrong there.
Your aside - I *always* bother to search for cheaper insurance, after the first year they all seem to hike the premium right up so it always pays to shop around.
HF
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Thanks HF - I was more meaning right to cancel without penalty. (Although, depending what the penalty is, it might still be worth cancelling considering the difference!)
Sorry if the aside seemed a bit bitchy BTW - and I'm glad I'm not the only one that sees the value in shopping around!
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Was the insurance bought over the phone/internet or with a broker?
If by phone/net, you are covered by distance selling rules. I think they allow a 7 day cooling off period.
James
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It's Direct Line (the bane of my life at the moment!) so phone. Any way we can confirm the cooling off period?
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Sorry, looking a bit further I have found that insurance is excluded from the distance selling rules.
Have Direct Line said that they will not refund the premium?
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I've looked at DLs website. The second paragraph in the policy document is:
If this cover does not meet your requirements, please return all documents within 14 days of receipt. We will return any premium paid in full providing no claims have been made on the Policy during that time. The full annual premium is due if a claim has been made during that period. If you have any questions about your Policy, please call us on the number shown in the Schedule.
It looks as if you will be OK.
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Thanks James! (And why didn't I think to look on their website myself!)
Just to check, does she need an insurance covernote to get the car taxed? Or can we return the documents straight away and wait for the new docs to arrive? (She's picking up the car on Saturday so might not have time to get a new covernote if she did need one)
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She will definitely need some form of insurance certificate or cover note, along with the MOT and V5 (the green tear off bit is okay).
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Thanks James! (And why didn't I think to look on their website myself!) Just to check, does she need an insurance covernote to get the car taxed? Or can we return the documents straight away and wait for the new docs to arrive? (She's picking up the car on Saturday so might not have time to get a new covernote if she did need one)
Yes, so tax the new car with the DL documents and THEN return them in Saturday's post. Job done!
The whole thing of having to have a cover note/insurance certificate in order to tax your car is a stupid control, precisely because you can insure the car, tax it, and cancel same day if you are so inclined. So why the heck do they make you produce your insurance certificate?
Most scallies who aren't insured aren't exactly ****d about taxing the car either, are they???
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Sorry if the aside seemed a bit bitchy BTW - and I'm glad I'm not the only one that sees the value in shopping around!
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No Steve, it didn't seem bitchy at all!! No need for apologies, and besides, a little bit of male/female banter here doesn't hurt a soul!
HF
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