The blog-mobile (clapped out Fiesta) is due for its insurance renewal. The Co-op very kindly sent through a reminder in January telling me to get on the case before 17th February.
I did. I rang them up on the number in the letter, endured a 1 min 14 secs message telling of the perils of not disclosing material facts and spoke to one of their "operatives". She asked whether there were any material facts I wanted to disclose.
"Yes" I said, "I had a claim last September."
"Who was that through?"
"You."
"No we have not got a record of any claim here. Perhaps you have another car insured somewhere else?"
"I do."
"Well it would be best to check with them and come back with the details."
I rang the other insurers (AXA) who insure the other Blog-mobile and they assured me I had a clean record with them. Puzzled I dug out reams of paper work and found that I had indeed had a claim with Co-op. Back I went and 1 min 14 secs later I spoke to another operative (having just been reminded of the danger of non-disclosure of material fact).
I explained the position and was told,
"We have no record of the claim here. You will need to ring our claims team to get the details."
I did. I got the details confirming that there had indeed been a claim on the policy and it had been closed off in October 2012.
Back to the operative (another new one). 1 min and 14 secs later...
"I have the details of my claim that I need to disclose."
"Let me take the details"
She did.
"Can I renew my policy now?"
"No. We will need to recalculate the premium."
"But I have a protected no claim bonus, the premium should not change surely?"
"We will need to recalculate...."
Three days later I rang yet another operative and 1 min and 14 secs later I was able to recite, in full, the Co-op warning on the perils of non-disclosure of material fact.
"Can I renew my policy please?"
"Yes, of course."
"Are you aware that I have had a claim"
"Yes!"
"Great can you tell me what the renewal premium is please?"
"Exactly the same as the one in the letter we sent to you dated 27 Jan, did you not get it?"
Regulars will recognise the picture from an earlier post about Vodafone...
I did. I rang them up on the number in the letter, endured a 1 min 14 secs message telling of the perils of not disclosing material facts and spoke to one of their "operatives". She asked whether there were any material facts I wanted to disclose.
"Yes" I said, "I had a claim last September."
"Who was that through?"
"You."
"No we have not got a record of any claim here. Perhaps you have another car insured somewhere else?"
"I do."
"Well it would be best to check with them and come back with the details."
I rang the other insurers (AXA) who insure the other Blog-mobile and they assured me I had a clean record with them. Puzzled I dug out reams of paper work and found that I had indeed had a claim with Co-op. Back I went and 1 min 14 secs later I spoke to another operative (having just been reminded of the danger of non-disclosure of material fact).
I explained the position and was told,
"We have no record of the claim here. You will need to ring our claims team to get the details."
I did. I got the details confirming that there had indeed been a claim on the policy and it had been closed off in October 2012.
Back to the operative (another new one). 1 min and 14 secs later...
"I have the details of my claim that I need to disclose."
"Let me take the details"
She did.
"Can I renew my policy now?"
"No. We will need to recalculate the premium."
"But I have a protected no claim bonus, the premium should not change surely?"
"We will need to recalculate...."
Three days later I rang yet another operative and 1 min and 14 secs later I was able to recite, in full, the Co-op warning on the perils of non-disclosure of material fact.
"Can I renew my policy please?"
"Yes, of course."
"Are you aware that I have had a claim"
"Yes!"
"Great can you tell me what the renewal premium is please?"
"Exactly the same as the one in the letter we sent to you dated 27 Jan, did you not get it?"
Regulars will recognise the picture from an earlier post about Vodafone...
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