Car Insurance !!
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Original post by silver67surfer
This is true
but she still hasn't said who paid the premium it sounds like you did but I'm not sure.
Are you saying that you have paid the first premium or that you sent the full amount to the broker and he has paid the first months premium on your behalf and disappeared I'm confused if he has all the money then it's what I said in a previous post about what has happened he pays the first months premium you're happy then he has a month to cover his tracks until you realise what has happened.
If you paid the first months premium and sent him just the £250 fee then as long as the insurance company decide in your favour then just a slightly less painfull lesson learnt
but she still hasn't said who paid the premium it sounds like you did but I'm not sure.
Are you saying that you have paid the first premium or that you sent the full amount to the broker and he has paid the first months premium on your behalf and disappeared I'm confused if he has all the money then it's what I said in a previous post about what has happened he pays the first months premium you're happy then he has a month to cover his tracks until you realise what has happened.
If you paid the first months premium and sent him just the £250 fee then as long as the insurance company decide in your favour then just a slightly less painfull lesson learnt
We have only paid the first months premium, and then obviously an extra 250 to the broker so he doesn’t have all the money thank god!!
Original post by Znxox
We have only paid the first months premium, and then obviously an extra 250 to the broker so he doesn’t have all the money thank god!!
Now it's a lot clearer.
As I said previously you have paid £250 to basically do something you could have done yourself.
If the insurance company realise it was a mistake with the age that wasn't noticed then all is not lost and just a lesson learned although a slightly expensive one
I hope all works out ok for you and keep us updated on how it goes
Original post by silver67surfer
Now it's a lot clearer.
As I said previously you have paid £250 to basically do something you could have done yourself.
If the insurance company realise it was a mistake with the age that wasn't noticed then all is not lost and just a lesson learned although a slightly expensive one
I hope all works out ok for you and keep us updated on how it goes
As I said previously you have paid £250 to basically do something you could have done yourself.
If the insurance company realise it was a mistake with the age that wasn't noticed then all is not lost and just a lesson learned although a slightly expensive one
I hope all works out ok for you and keep us updated on how it goes
Oh sorry probably should’ve clarified that!
Thank you!! I’ll keep u all updated
Original post by silver67surfer
If the insurance company realise it was a mistake with the age that wasn't noticed then all is not lost
If the insurance company realise it was a mistake with the age that wasn't noticed then all is not lost
It all depends on how dramatic the discrepancy is. One or two years might be excusable (although sometimes it isn't), but 10 years for example is way way way beyond acceptable.
Soooo I phone direct line and the lady basically just shouted at me the whole time and claimed I lied about the whole thing. I got so emotional during the call as I tried to explain I didn’t know and although should’ve read the details more throughly, as mine were correct I thought my dads were too...
Then she said why would I trust someone online etc and then said I was lying, and also that this will stay on my record and they will never insure me ever again.
I literally want to cry, I wish I wasn’t so desperate and naive...
Then she said why would I trust someone online etc and then said I was lying, and also that this will stay on my record and they will never insure me ever again.
I literally want to cry, I wish I wasn’t so desperate and naive...
Original post by Znxox
Soooo I phone direct line and the lady basically just shouted at me the whole time and claimed I lied about the whole thing. I got so emotional during the call as I tried to explain I didn’t know and although should’ve read the details more throughly, as mine were correct I thought my dads were too...
Then she said why would I trust someone online etc and then said I was lying, and also that this will stay on my record and they will never insure me ever again.
I literally want to cry, I wish I wasn’t so desperate and naive...
Then she said why would I trust someone online etc and then said I was lying, and also that this will stay on my record and they will never insure me ever again.
I literally want to cry, I wish I wasn’t so desperate and naive...
I'm afraid you should have expected this, as myself and @nevershear tried to tell you.
I appreciate that @silver67surfer was hopeful, but I have many years of experience working with insurers, and know how the system works.
It was a silly silly mistake, but hopefully you'll be able to claw a bit of money back, and get this guy locked up. What you've experienced is called "ghost brokering" and it happens quite a lot, especially to desperate naive young drivers.
I'd revert to the advice @nevershear gave you, as his recommendations are exactly the same as I would have given you.
Learn a valuable lesson from this, and make sure your friends don't make the same mistake.
I mean the second kick in the teeth is you were with direct line, the only insurer I can think of that turns a blind eye to cancellations after 5 years, so you're in for a rough ride.
Start making a lot of phone calls, if you get any policy though it's gonna be dog tier, but it'll be legal. Just don't crash.
Start making a lot of phone calls, if you get any policy though it's gonna be dog tier, but it'll be legal. Just don't crash.
Original post by Znxox
I’m so confused on whovto trust and who not to trust 😭 is adrianflux a legit website for car insurance?
Absolutely - they're very good for people with special circumstances (modified cars, speeding bans, cancelled policies, etc)
Original post by Znxox
Has anyone ever used woopcover? Because they’re giving me a decent quote...
How much is decent quote?
I really do feel for you in this, although what you did was quite silly (and I know you're not wanting the lecture). But you can only learn from your mistakes unfortunately.
There are insurers which do specialise in cancelled policies, as IWMTom pointed out. Do make a lot of phone calls, and get quotes directly from insurers websites, and not just from the comparison site as most of the time it's cheaper if you go through the insurer.
nevershear has given you some brilliant advice as well, fair play to him.
Original post by Znxox
Has anyone ever used woopcover? Because they’re giving me a decent quote...
Probably because it's a telematics policy.
Original post by RoyalSheepy
How much is decent quote?
I really do feel for you in this, although what you did was quite silly (and I know you're not wanting the lecture). But you can only learn from your mistakes unfortunately.
There are insurers which do specialise in cancelled policies, as IWMTom pointed out. Do make a lot of phone calls, and get quotes directly from insurers websites, and not just from the comparison site as most of the time it's cheaper if you go through the insurer.
nevershear has given you some brilliant advice as well, fair play to him.
I really do feel for you in this, although what you did was quite silly (and I know you're not wanting the lecture). But you can only learn from your mistakes unfortunately.
There are insurers which do specialise in cancelled policies, as IWMTom pointed out. Do make a lot of phone calls, and get quotes directly from insurers websites, and not just from the comparison site as most of the time it's cheaper if you go through the insurer.
nevershear has given you some brilliant advice as well, fair play to him.
The quote they’ve given me is 1800 so just wanna make sure they’re legit and a good company
Original post by IWMTom
Probably because it's a telematics policy.
Yh I don’t mind having a black box
Original post by Znxox
Yh I don’t mind having a black box
There you go then.
Original post by IWMTom
There you go then.
Just wanted to make sure that woopcover is a legit and reliable company...
the cheapest insurance I found was for Tesco the black box insurance which for me was £950. If you go on compare the market you can get the cheapest shown for your car. If you arrange it through compare the market you also get 2 for 1 cinema tickets 
Original post by lauraaac129
the cheapest insurance I found was for Tesco the black box insurance which for me was £950. If you go on compare the market you can get the cheapest shown for your car. If you arrange it through compare the market you also get 2 for 1 cinema tickets
Ok... This isn't helpful. Cancelled policyholder especially those recent and at a young age will not be able to get a rate at a lot of mainstream insurers, tescos is one of them. Please understand what the OP is asking.
Original post by Znxox
Just wanted to make sure that woopcover is a legit and reliable company...
Legitimate, yes, reliable, who knows? Telematics insurance is generally not all that "reliable", but you don't really have a choice.
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