Camper Insurers are crazy!

[Barry G]

Insurance companies are crazy.
Bank rejected the January payment – because of the stolen credit card.
Insurance Company (CIL) sent me a letter, which I didn't receive / misplaced... whatever.
So, with no reply to their letter within 28 days , and without ANY attempt to contact me by e-mail or phone, they cancelled the policy.   
Granted, they are required by law to send the letter by mail before cancelling a policy, but surely they would follow up a non-reply with an e-mail / text message first?
What could be more imperative to them than losing business?  If they don't phone / text / e-mail in this circumstance then what purpose is there for them to have my mobile phone and e-mail details?
(If the had any sense they would send a text at the time, like the gym does if their withdrawal is 3 nanno seconds in advance of the fortnightly deposit of my pay cheque.)

Makes no sense to throw away business like that, especially in the case of a specialist 'RV' insurer ... as there is always the slight possibility that the 'customer' is away from home for more than a month enjoying the use of the trailer / van they have insured with this company.

Anyway, now set up on direct debit, rather than through credit card, so can't have the same problem again.


Have to say, the woman I spoke to on the phone was great.  She also gave me an e-mail contact for me to lodge feedback suggesting that they call change their 'protocol' so that they / e-mail / text prior to cancellation.

[Kit_e_kat9]

Sounds epic barry1956!  This is the reason I have direct debit set up myself.  Although I do have to keep a very good eye on the account balace around when it's due.  Please do give them the feedback.  I'd hate them to contact me by mail whilst I'm on holidays in my insured CT.

It's great that the staff are so easy to deal with though isn't it?  Makes the overall company fail seem less so.

Kit_e

[WilSurf]

Direct debit with CIL for the CT.
Easy and you don't forget it.

[Barry G]

Direct debit with CIL for the CT.
Easy and you don't forget it.

I thought that was what I had set up.  It is now!

[Pipeliner]

Regarding home insurance rather than CT, a few years ago we had a huge hail storm which filled our gutters and caused some water to enter the house.  I called the insurer to notify them that I might be making a claim (in the end it wasn't worth bothering as little damage resulted) only to be told "We have no record that you are insured with us"!

Turned out that as we had been a day or two late sending the premium (about 11 months previously) they had cancelled the policy: when the premium arrived they parked it in a holding account without telling us what they were doing.  At no time did we receive any correspondence from them, nor did they try to return our premium.

Advice from a relative who has been in insurance all his working life was that if we had made a claim the insurer would have had to honour it - as it was we just got that year's premium back and promply used it to insure with another company!

[Barry G]

Pipeliner, what REALLY worried me was that I have apparently had no coverage for the past 6 weeks and didn't know it. 

[Bird]

Pipeliner, what REALLY worried me was that I have apparently had no coverage for the past 6 weeks and didn't know it. 

another member years ago had an insurance company keep taking his fees, but had changed the fine print to say he required a black wired alarm - in fine print... white text on white paper 0pt font probably.
If it was stolen, he'd have had to prove it was done.