My eldest Son is 23, passed his test in May 2013. He replaced his first car with a Rover 25 Olympic that a friend of mine owned around April last year. He had a minor ding last year that technically was his fault though he was only doing 5mph when hit side on by a driver on a side street going faster than she should have been! Car was repaired at my expense but premium went up.
He then got a quote from Aviva in January 2015 that he was happy with on his Rover 25 so accepted it at around £85 per month. This was if he could show proof of No Claims as he was under the impression that he had 1 year. It was increased to around £160 per month when it was realised he didn't have it.
He then decided he wanted an 05 reg ZR Trophy SE that was advertised cheaply locally which put the premium up to £198 per month.

He hasn't had much luck with jobs & in September was not working & phoned AVIVA when payment was due if he could pay £105 that day & the rest (£83) a week later but they would take it from his bank however they did not as it now appears. This was agreed by Aviva (on this occasion) & it was just left at that so the normal payment would resume in October. He gets a call from Aviva today to say they have cancelled his insurance due to non payment. I presume AVIVA cancelled the original DD so it would not take the money that wasn't there back in September though nothing was mentioned about re starting it so my Son assumed all was ok

Well we know there WAS enough money in the bank as over £2300 was put in it in early October. AVIVA say that my Son or the bank cancelled the DD. He went to the bank & they hadn't.
He rang them back to tell them what the bank had said & was told by the AVIVA rep that he needed to pay the October payment (£193) today but nothing mentioned about the £83. He paid that £193 & was then told thank you very much but we can't restart your DD so you have to start a brand new policy from today & also lose the 1 year NCD that he would have earnt by early January!!! Thieving *******s

I rang a friend of mine today who has worked in insurance for years & he said that the bank can give you in writing who if any one has cancelled the DD.

That it is against the law for an insurance company to just cancel the insurance on the phone as it is against the Road Traffic Act (for example they could have done this when he was £200 miles away from home).
They have to send a letter by recorded delivery to the last known address giving a period of time to pay the balance or sort DD or any other issue.

I think they have played on him being a little naieave. When I go to his flat next I will get him to ring them up & I will speak to them. I have been advised to speak to someone in the DD dept & that if one gets fobbed of simply mention a phone call to the FCA!!

All in all totally useless.

He has sourced insurance elsewhere now!! (Past) Freelander 2 HSE 2010 MY In Rimini Red.
(Past) RR Evoque Dynamic Lux Si4 In Firenze Red.
(Past) RR Evouque Pure Tech in Barollo Black with bespoke Firenze Red colour coding.
(Present) Freelander Metropolis 2015 MY In Santorini Black with Ivory Premium Leather.

How will this affect him in the future when he has to answer the insurance question "have you ever had insurance cancelled........"? Past: FL2 TD4 HSE Auto
Evoque SD4 Dynamic Lux Auto
Present: Audi A3 S Line.

He will have to put Yes i have i the tick box?

insurance companies just continually find loopholes, as fast as the FCA or Government etc close the loophole they find another.
Prime example is the driver awareness course, when it was brought in it was lauded that you would have no change to your insurance if you took the course as you would if you took points
Insurance companies soon ignored that one !
My brother had a 9 seat 110 Defender, went to renew the insurance with the same company and they refused as it was classed as commercial. He ended up getting rid of it as the hassle was too much

Landiroamer wrote:

He will have to put Yes i have i the tick box?

I decided to try using the Aviva app on my smart phone to drive to some relatives in Devon, the app is supposed to help work out an insurance premium based on how you drive. The journey consisted of 130 miles of rural roads, main roads, the M5 and then a series of very rural stuff going down single track roads and then a farm track.
As you would expect I drove very carefully as I was being "monitored" to get an insurance quote, I ended up with quite a low score so I called Aviva about it and they said that my driving style was "inconsistent". I pointed out that I had driven on on a mixture of rural lanes and motorways and hadn't had an accident since 1974 but they wouldn't budge so I went elsewhere. Has anyone else had this experience? 3 x FL1 2 manual + 1 auto
5 x FL2 4 manual + 1 auto
Now Discovery Sport P250 MHEV SE

How does the app know who's driving? What's to stop spotty 18-year-old running it whilst dad's driving?

IMO things like the Aviva app are just a gimmick. Probably inaccurate and mostly ignored by the companies that provide them. Energy company apps are just the same

All designed and marketed to make the paying public to make them think they are in control of things and constantly updated to keep them feeling warm and fuzzy.

I have worked in the technical telecoms world for nearly 16 years since leaving the forces, and I detest all this technology. I would happily resort to pre tech lifestyle if I didn't have a mortgage to pay off

If what you say went on, and Aviva agreed on the phone to a lower payment with the balance following shortly after (I have never heard of a company doing that when it comes to monthly insurance premiums) then this will have been recorded on the telephone, the CS operator he spoke too, recorded on the system to log who last and previous accessed his database all to back them up with what was agreed.

All saved on a huge bank of PC's and can be called up moments later, they even have software that can detect stress levels in peoples voices to enable them to tell if someone is telling the truth.

I would suggest that you raise a complaint, which they have to log on the complaints database, then request a senior complaints handler to discuss the matter and listen to what was agreed on the call recording, they can then find out whether the person did agree what was said AND whether they were in a position to agree this.

There is also the fact that the person took payment for the old policy and then told him to set up a new policy (hense a large commission payment to the person for setting up a new policy) Former Mod/Member, with the most post & Chicken George Arch nemesis