This is not a DIY related post, but I am hoping that the intelligent beings on this forum could give guidance.
My Daughters car insurance renewal became due on the 7th of April, she has had her car insured with the same broker for the past two years and went through the automatic renewal process.
She was notified of the 14 day cooling off period should she wish to cancel without penalty, she didn't.
On the 22nd of April she received a letter from the broker "letter dated 20th April" that she had failed the credit check and that her policy had been cancelled with a time on cover charge of £1000.00.
To my mind they waited till the last possible day of the cooling off period to carry out the credit check and then send a letter advising knowing she would receive it after the cooling off period and effectively trapping her into a time in cover charge.
I think this is a form of entrapment albeit entrapment is not the correct word.
Insurance Ombudsman ??
Thank you in advance.
My Daughters car insurance renewal became due on the 7th of April, she has had her car insured with the same broker for the past two years and went through the automatic renewal process.
She was notified of the 14 day cooling off period should she wish to cancel without penalty, she didn't.
On the 22nd of April she received a letter from the broker "letter dated 20th April" that she had failed the credit check and that her policy had been cancelled with a time on cover charge of £1000.00.
To my mind they waited till the last possible day of the cooling off period to carry out the credit check and then send a letter advising knowing she would receive it after the cooling off period and effectively trapping her into a time in cover charge.
I think this is a form of entrapment albeit entrapment is not the correct word.
Insurance Ombudsman ??
Thank you in advance.