carnut
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 posted on 24/3/10 at 09:37 PM |
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Insurance Terminology Question
Hi,
I've been told I need to send my insurance certificate back to my insurer to cancel my policy. I have no documentation that says it is an
insurance certificate on it but I have a "statement of Fact". Is this an insurance certificate?
Carnut
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austin man
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| posted on 24/3/10 at 09:45 PM |
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you should have one which states certificate of motor insurance on it
Life is like a bowl of fruit, funny how all the weird looking ones are left alone
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rsmith95uk
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| posted on 24/3/10 at 09:49 PM |
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Think this is what is commonly called a cover note.
Cheers
Ray
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mad4x4
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| posted on 24/3/10 at 10:21 PM |
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Cover note is usually a slang term for the Temporary Note issue before the real certificate is issued
Scot's do it better in Kilts.
MK INDY's Don't Self Centre Regardless of MK Setting !
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carnut
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| posted on 24/3/10 at 10:28 PM |
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Is there any chance of cancelling my insurance and getting a refund for the remaining term without a certificate when they state you need one?
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plentywahalla
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| posted on 24/3/10 at 10:34 PM |
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I know some companies do not issue certificates anymore unless you ask for one.
You no longer need one to tax a vehicle as DVLA know whether a policy is valid, so they save some money that way.
I have had to ask for one to take the car abroad etc.
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Dangle_kt
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| posted on 24/3/10 at 11:08 PM |
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its a stalling tactic to reduce the amount they have to pay back in my experience.
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MikeRJ
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| posted on 25/3/10 at 12:21 AM |
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quote:
Originally posted by plentywahalla
I know some companies do not issue certificates anymore unless you ask for one.
You no longer need one to tax a vehicle as DVLA know whether a policy is valid, so they save some money that way.
Some companies will email you one to print yourself, but I've never heard of one that deosn't issue any kind of certificate, as it is your
proof of insurance. The database is far from foolproof.
You also need a certificate if your car is not eligable for taxing online, e.g. if it's been of the road for a while.
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MikeRJ
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| posted on 25/3/10 at 12:22 AM |
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quote:
Originally posted by Dangle_kt
its a stalling tactic to reduce the amount they have to pay back in my experience.
It's to try and stop the common scam of buying insurance and then cancelling it just to get a certificate of insurance to satisy the plod if you
get stopped.
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owelly
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| posted on 25/3/10 at 09:51 AM |
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Ask them for a copy of the cert, and then send it back them..........
When I cancelled my policy with AF they wanted the cert which I couldn't find. They asked me to write a letter declaring that I'd lost the
cert and wanted to cancel the policy. Then they sent me one of their 'I've lost my certificate but want to cancel my policy' forms.
Strangely enough, none of the post offices around here will accept an insurance certificate that has been printed. They ALL insist on one with a
proper signature. I've tried explaining that they send the cert 'electronically' and then you print ti off yourself but obviously
such technology hasn't reach the grey-haired, zip-up furry boot wearing Hitlerites in this area......
http://www.ppcmag.co.uk
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plentywahalla
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| posted on 25/3/10 at 10:01 AM |
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".......Some companies will email you one to print yourself, but I've never heard of one that deosn't issue any kind of certificate,
as it is your proof of insurance. The database is far from foolproof"
Thats what I mean't. I didn't mean that a certificate didn't exist just that you have to apply for it as it is not necessary to
physically hold one.
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