Another insurance fiasco

dxb335d · 03-02-2010, 01:00 PM

Not happy at all.

Regarding my Brother and his recently purchased Mini Cooper.

Right, he on the phone told them he was a student etc and will be working soon (Graduating etc)

I happen to see his policy laying about and had look and saw it said ''Social Only''

i approached me ol' gel and said that he aint covered to go to work. She was p[issed off to the hilt about it and she heard the phonecall my brother made to them.

.

They are all lying, theiving buncha CANTS. He potentially would have driven around uninsured.

Irnbrukid · 03-02-2010, 01:04 PM

They should have recorded the conversation anyway, so take it from there.

SiKkBaSs · 03-02-2010, 01:06 PM

WTF?

So he rung them up, discussed an insurance policy and then they put him down as a "social only" driver?

What is a social only driver

I drive my car for "social" reasons as opposed to it being a business car?

dxb335d · 03-02-2010, 01:09 PM

Quote:

Originally Posted by Irnbrukid

They should have recorded the conversation anyway, so take it from there.

Yes thats what they said. We have asked for it.

This has happened before and they came back ''Dont record them all''

lets wait and see.

Sunny Social only/ social, domestic and work travelling/

SiKkBaSs · 03-02-2010, 01:13 PM

Quote:

Originally Posted by dxb335d

Sunny Social only/ social, domestic and work travelling/

I see. Your bro hasn't graduated yet until June time. Insurance might have cocked it up by thinking he has no work to travel to yet so put him under social perhaps...either way shouldn't be too hard to sort it out as nothing untoward has happened.

dxb335d · 03-02-2010, 01:17 PM

Quote:

Originally Posted by SiKkBaSs

I see. Your bro hasn't graduated yet until June time. Insurance might have cocked it up by thinking he has no work to travel to yet so put him under social perhaps...either way shouldn't be too hard to sort it out as nothing untoward has happened.

I know, but the potential for a major fuck up for him was there.

They could have rejected a claim, knowing full well they mis-sold a policy. Cheeky Cants.

He wouldnt have magically thought to ring them to let them know he had a job eh sunny.

SiKkBaSs · 03-02-2010, 01:22 PM

Either way they're cheeky cants!

Give them an earful

Snooky · 03-02-2010, 02:45 PM

Carl, to be fair, when you get your insurance schedule and certificate in the post, it ALWAYS says to read carefully and let them know immediately if there are any errors or omissions etc. Has your bro just missed it etc?

No harm one so long as it is amended now before he starts work

dxb335d · 03-02-2010, 02:59 PM

Mate, they lying cants end of. Lucky I checked it.

Dr Dave · 03-02-2010, 03:52 PM

Never seen a social only policy!

zltm089 · 03-02-2010, 04:01 PM

They are a bunch of lying retarded cunts!...worse ones r the brokers!....those telesales bastards just "mess about" with ur details to lower ur premium!....and then they say, they go u a good deal!....

lons · 03-02-2010, 07:16 PM

Kick up a fuss and ask to deal with a senior manager.

I'm having problems with travel insurance so the bastards are all the same I think.
Had to come back from Oz end of November, a week early due to the death of my father in law and finally got some money back on Saturday last.

They've taken 2 lots of excess and refused to refund the week car hire we lost and had paid for.
Said covers travel and accommodation only. I needed the car to drive 100miles from airport to apartment. WTF is that if not travel?

Currently in heated discussion with top brass but makes my blood boil.
Policies aren't worth the paper they're written on....

xenon · 03-03-2010, 02:24 AM

I imagine the conversation went along the lines of "Do you use the car to travel to work?"

"No, I'm a student"

"OK, I'll put you down as social only which will save you some money. Make sure you phone us up if and when you start work."

"OK"

dxb335d · 03-03-2010, 02:30 AM

No it didn't go like that Ian, they never said
fuck all about ringing them
back. He wanted it for work as he will have a job soon.

Dave I have social domestic and pleasure only.

Beaky · 03-03-2010, 02:46 AM

But it used to be the case that travelling to work is not 'work'. Using the car for work is a different thing - you can claim mileage when using it for work purposes which in this case would not be covered, but the travel to work is different

cdb · 03-03-2010, 03:40 AM

you'll require it being changed to social domestic pleasure & commuting... shouldn't be any difference in cost

unless he's going to use it for multiple places of work (i.e travelling sales etc) in which case stick business use on...

the amount of times i've had insurance documents come through and they've missed off my business usage or had something down wrong... most recent one was they transferred my policy to my new car but left my breakdown policy under the old cars details...

it's annoying but you pretty much have to double check everything they give you

kend · 03-03-2010, 07:23 AM

Insurance is a contract of full disclosure, if your circumstances change ie from student to employed you have to ring them up and tell them.
This is clearly written on all policies that if there are any changes you must inform the insurance company.
it is always down to the insured to check that the cover is correct for use.

03-02-2010, 01:00 PM	#1
dxb335d The Tarmac Terrorist 949 Rep 29,345 Posts Drives: 997.2 GT3 Join Date: Mar 2007 Location: ''Fandango Towers'' iTrader: (3) Garage List 2010 Porsche 997.2 GT3 [9.50] 2003 BMW E46 M3 [6.00] 2007 BMW E92 335D [5.50]	Another insurance fiasco Not happy at all. Regarding my Brother and his recently purchased Mini Cooper. Right, he on the phone told them he was a student etc and will be working soon (Graduating etc) I happen to see his policy laying about and had look and saw it said ''Social Only'' i approached me ol' gel and said that he aint covered to go to work. She was p[issed off to the hilt about it and she heard the phonecall my brother made to them. . They are all lying, theiving buncha CANTS. He potentially would have driven around uninsured. __________________ 997.2 GT3
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03-02-2010, 01:04 PM	#2
Irnbrukid Major 45 Rep 1,486 Posts Drives: Imaginary M2 Join Date: Jul 2008 Location: Scotland iTrader: (0)	They should have recorded the conversation anyway, so take it from there.
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03-02-2010, 01:06 PM	#3
SiKkBaSs GTR'in it 169 Rep 4,434 Posts Drives: Nissan GTR Black Edition Join Date: Jun 2008 Location: Kensington, London iTrader: (2) Garage List 2006 325i [0.00]	WTF? So he rung them up, discussed an insurance policy and then they put him down as a "social only" driver? What is a social only driver I drive my car for "social" reasons as opposed to it being a business car?
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03-02-2010, 01:22 PM	#7
SiKkBaSs GTR'in it 169 Rep 4,434 Posts Drives: Nissan GTR Black Edition Join Date: Jun 2008 Location: Kensington, London iTrader: (2) Garage List 2006 325i [0.00]	Either way they're cheeky cants! Give them an earful
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03-02-2010, 02:45 PM	#8
Snooky Major 40 Rep 1,167 Posts Drives: Audi RS5 Sportback Carbon Blac Join Date: Nov 2007 Location: Livingston, Scotland iTrader: (0)	Carl, to be fair, when you get your insurance schedule and certificate in the post, it ALWAYS says to read carefully and let them know immediately if there are any errors or omissions etc. Has your bro just missed it etc? No harm one so long as it is amended now before he starts work __________________ Still missing my E92 335i M Sport!
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03-02-2010, 02:59 PM	#9
dxb335d The Tarmac Terrorist 949 Rep 29,345 Posts Drives: 997.2 GT3 Join Date: Mar 2007 Location: ''Fandango Towers'' iTrader: (3) Garage List 2010 Porsche 997.2 GT3 [9.50] 2003 BMW E46 M3 [6.00] 2007 BMW E92 335D [5.50]	Mate, they lying cants end of. Lucky I checked it. __________________ 997.2 GT3
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03-02-2010, 03:52 PM	#10
Dr Dave Zummerzet Zyder Drinker! 112 Rep 5,541 Posts Drives: '06 330D Le Mans Blue Join Date: May 2009 Location: Somerset iTrader: (3) Garage List 2006 330d M Sport [0.00]	Never seen a social only policy! __________________
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03-02-2010, 04:01 PM	#11
zltm089 Banned 243 Rep 7,690 Posts Drives: 335i SE Coupe Space Grey Join Date: Nov 2008 Location: LONDON iTrader: (0) Garage List 2006 BMW 335i [10.00]	They are a bunch of lying retarded cunts!...worse ones r the brokers!....those telesales bastards just "mess about" with ur details to lower ur premium!....and then they say, they go u a good deal!....
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03-02-2010, 07:16 PM	#12
lons Lons 10 Rep 383 Posts Drives: 320d M Sport edition - carbon Join Date: Jan 2009 Location: Northumberland iTrader: (0)	Kick up a fuss and ask to deal with a senior manager. I'm having problems with travel insurance so the bastards are all the same I think. Had to come back from Oz end of November, a week early due to the death of my father in law and finally got some money back on Saturday last. They've taken 2 lots of excess and refused to refund the week car hire we lost and had paid for. Said covers travel and accommodation only. I needed the car to drive 100miles from airport to apartment. WTF is that if not travel? Currently in heated discussion with top brass but makes my blood boil. Policies aren't worth the paper they're written on.... __________________
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03-03-2010, 02:24 AM	#13
xenon Major General 1394 Rep 8,082 Posts Drives: 2021 G21 330i M-Sport Join Date: Jun 2008 Location: Coventry iTrader: (0)	I imagine the conversation went along the lines of "Do you use the car to travel to work?" "No, I'm a student" "OK, I'll put you down as social only which will save you some money. Make sure you phone us up if and when you start work." "OK" __________________ Ian Current: 2021 G21 330i M-Sport Previous: 2018 A6 Avant S-Line MMI+, 2014 F31 320d M-Sport, 2013 F10 520d M-Sport, 2011 F10 530d M-Sport, 2008 320i M-Sport Coupe, 2002 325i, 2001 318i valvetronic, 1998 318i, 1996 525i, 1990 Porsche 944S2
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03-03-2010, 02:30 AM	#14
dxb335d The Tarmac Terrorist 949 Rep 29,345 Posts Drives: 997.2 GT3 Join Date: Mar 2007 Location: ''Fandango Towers'' iTrader: (3) Garage List 2010 Porsche 997.2 GT3 [9.50] 2003 BMW E46 M3 [6.00] 2007 BMW E92 335D [5.50]	No it didn't go like that Ian, they never said fuck all about ringing them back. He wanted it for work as he will have a job soon. Dave I have social domestic and pleasure only. __________________ 997.2 GT3
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03-03-2010, 02:46 AM	#15
Beaky Captain 2 Rep 104 Posts Drives: Audi A6 (C7) S Line Join Date: Sep 2008 Location: Oxfordshire iTrader: (0)	But it used to be the case that travelling to work is not 'work'. Using the car for work is a different thing - you can claim mileage when using it for work purposes which in this case would not be covered, but the travel to work is different __________________ Previous: E90 Edition M Sport, e60 520d M Sport Auto Current: Audi A6 (C7) S Line
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03-03-2010, 03:40 AM	#16
cdb Private First Class 4 Rep 124 Posts Drives: 335d Join Date: Jan 2010 Location: Oxfordshire, UK iTrader: (1)	you'll require it being changed to social domestic pleasure & commuting... shouldn't be any difference in cost unless he's going to use it for multiple places of work (i.e travelling sales etc) in which case stick business use on... the amount of times i've had insurance documents come through and they've missed off my business usage or had something down wrong... most recent one was they transferred my policy to my new car but left my breakdown policy under the old cars details... it's annoying but you pretty much have to double check everything they give you
	Appreciate 0 Quote

03-03-2010, 07:23 AM	#17
kend Second Lieutenant 15 Rep 295 Posts Drives: E93 330i SE auto Join Date: Jun 2007 Location: UK iTrader: (0)	Insurance is a contract of full disclosure, if your circumstances change ie from student to employed you have to ring them up and tell them. This is clearly written on all policies that if there are any changes you must inform the insurance company. it is always down to the insured to check that the cover is correct for use.
	Appreciate 0 Quote