Soldier boy Posted April 27, 2012 Share Posted April 27, 2012 Just wondering if anyone else has had this happen to them. Recently took out a car insurance policy with Swinton, I thought I would use them as they are local to my home and would appear to be a generally good firm. Having had many years driving experience and a full, 10 years + no claims history I go for the copmprehensive option. After purchasing this cover online, the document arrived through the post a few days later. A quick glance showed that the 'Driving other vehicles' extension that I have always had with every other policy I have ever had was not included on the Swinton policy. No explanation, just not included. I contacted my local branch regarding this and was told that there was nothing they could do. I could always cancel the policy and, even though it was less than 7 days since the commencement (distance selling regulations?) of the policy I would be charged £50.00!! So I suppose what I'm asking is; A. Can they do this? B. Do the terms of the distance selling regulations not apply to insurance products c. Has this happened to anyone else? I suppose I may have to put up with this annoyance for the next year but I will certaily avoid Swinton in future and maybe look at a compay that is happy to make these exclusions obvious! Rant over. Link to comment Share on other sites More sharing options...
telman Posted April 27, 2012 Share Posted April 27, 2012 Swinton are only brokers, it's the firm which issues the policy that sets the terms. Link to comment Share on other sites More sharing options...
mafya Posted April 27, 2012 Share Posted April 27, 2012 You shold have told them that you would like a policy that allows you to drive other cars 3rd party. I would cancel it and lose £50 and get a policy from someone else. Link to comment Share on other sites More sharing options...
steveh Posted April 27, 2012 Share Posted April 27, 2012 Most policies don't have the third party cover any more, it's just that most people don't check to realise this! Link to comment Share on other sites More sharing options...
yorkiepudd Posted April 27, 2012 Share Posted April 27, 2012 As above, it's more usual now for it not to be included. Link to comment Share on other sites More sharing options...
Bikertec Posted April 27, 2012 Share Posted April 27, 2012 Just wondering if anyone else has had this happen to them. Recently took out a car insurance policy with Swinton, I thought I would use them as they are local to my home and would appear to be a generally good firm. Having had many years driving experience and a full, 10 years + no claims history I go for the copmprehensive option. After purchasing this cover online, the document arrived through the post a few days later. A quick glance showed that the 'Driving other vehicles' extension that I have always had with every other policy I have ever had was not included on the Swinton policy. No explanation, just not included. I contacted my local branch regarding this and was told that there was nothing they could do. I could always cancel the policy and, even though it was less than 7 days since the commencement (distance selling regulations?) of the policy I would be charged £50.00!! So I suppose what I'm asking is; A. Can they do this? B. Do the terms of the distance selling regulations not apply to insurance products c. Has this happened to anyone else? I suppose I may have to put up with this annoyance for the next year but I will certaily avoid Swinton in future and maybe look at a compay that is happy to make these exclusions obvious! Rant over. The coop charged me over £100 to cancel my policy with only 2 installments left to pay took then to the ombudsman and got it refunded. Link to comment Share on other sites More sharing options...
kidley Posted April 27, 2012 Share Posted April 27, 2012 I think it would be fair to say then that a lot of people that has an occasion to drive a friends car, will be doing so uninsured? Link to comment Share on other sites More sharing options...
matsalleh Posted April 27, 2012 Share Posted April 27, 2012 Mine allows 14 days to change my mind,and after that it will depend on how long the policy has been in force,no charge. Link to comment Share on other sites More sharing options...
truman Posted April 28, 2012 Share Posted April 28, 2012 I think it would be fair to say then that a lot of people that has an occasion to drive a friends car, will be doing so uninsured? Could well be..that's why you need to check the insurance schedule..that should list the cover you have.. Link to comment Share on other sites More sharing options...
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