What law is that ?elusive wrote:
By law they have to give you two months notice if they are increasing your premium
Surely it does not apply when you renew?
I normally get my renewal notice about 3 or 4 weeks before, (similar to UK).
 
What law is that ?elusive wrote:
By law they have to give you two months notice if they are increasing your premium
Anything in the law will be over-riden by what the policy says unless it against the law, such as having a 3 month cancellation clause..elusive wrote:Yes the laws about renewing. As you say good luck trying to get your quote within the time frame
Same law where you have to give them a months notice if you want to leave. (Used to be two) they have to give you two months notice if they are going to increase it.
The one notice you have to give doesnt count if they have put the price up without giving you two months notice. Go back to them and tell them that if they want to increase your renewal price they have to tell you at least two months before renewal which they havnt.1bassleft wrote:I had read on here about the notice required, which was why I was expecting my renewal notice in good time. I had to leave for the UK, but got back to an empty letterbox. The letter's dated 23/11 (I got it 27/11) so no chance to decline within the 1 month thing. It lists my credit card (which I used last year) and, failing that, my Spanish bank a/c (don't remember giving that but I must've, because they know it) as their ports of call to remove money.
As it turns out, I have found a policy very slightly cheaper than last year and considerably cheaper than the renewal quote (interesting but diverting side note - the chap reckoned there's a std procedure to claims settlement; don't understand why LD were so coy about it). As I said, I accept LD can quote what they like, so long as I'm able to switch to someone more competitive. Typically, LD 'phoned (on both my Spanish and - how they knew it? - my UK number) while I was parking after signing up to a new provider. Didn't want another prang - LD voicemail said I have a new, very interesting quote waiting.
I don't like that kind of approach. I've sent an email declining any renewal and also asked my card co. to resist any withdrawal. Call me paranoid (applicable, I'm sure) but I found leaving Virgin Media like Cosa Nostra and don't want a repeat. If the money went out, I'd have endless fun trying to retrieve it, no doubt.
I found an example....but not LD. Liberty Seguros.El Cid wrote:Almost certainly rubbish. It would have to be in the policy document for it to be true and by now someone would have posted an example on the Internet or Facebook.
Sid
I again got cut off in mid-sentence with them, but Simyo does give me problems so not blaming it on dark forces at LD. Up to that point, much more interested in who'd given me a better deal (I declined to inform, this got him annoyed) and dissing of whoever that insurer might have been. I was, tbf, called back by Sarah who was charming and courteous but did basically the same thing. She then toyed with "we don't insist on the month's notice that - by law - you should have given us". You made me naughty, elusive, and I had a bit of fun pointing out their obligation (she was unsure if it also applied to them and I was happily sure to tell her it did) so that finished with "our cancellation dept will phone you on Monday".elusive wrote:The one notice you have to give doesnt count if they have put the price up without giving you two months notice. Go back to them and tell them that if they want to increase your renewal price they have to tell you at least two months before renewal which they havnt.
L.D told me they only send it out a month before but if you want to leave we wont stop you. ho hum...
Seems relevant to quote myself here!elusive wrote:
The one notice you have to give doesnt count if they have put the price up without giving you two months notice. Go back to them and tell them that if they want to increase your renewal price they have to tell you at least two months before renewal which they havnt.
I wonder if legally, saying that your premium in Year 1 of 500€ that you pay is actually e.g. 550€ minus the discount of 50€, they can then 'increase' your premium to 550€ in Year 2 without being subject to the price increase clauses of the law because the premium itself hasn't gone up, the discount has just been removed?alpineSi wrote:I was an LD client for a year - never made a claim but noticed that the contract includes a paragraph saying the first year includes a discount only applicable in that year.
Users browsing this forum: No registered users and 26 guests