Subject: Reply to Quote Detective
This response is absolute nonsense.
Almost all UK motor insurance policies clearly state that if a policy is cancelled within the statutory 14-day cooling-off period, customers are entitled to a full refund, or at most a small, clearly disclosed administration fee. Keeping a large chunk of a deposit — over £300 — after just 4 days of cover is a joke and completely unjustifiable.
This was not a year of cover, not a claim, not misuse — just 4 days. Charging hundreds of pounds for virtually no cover is exploitative and totally out of line with standard UK insurance practice.
Reducing my No Claims Bonus from 5 years to ZERO without justification, taking payment immediately, and then refusing a proper refund is not “transparent” or “fair treatment.” Hiding behind vague terms and conditions does not make this acceptable.
If you were genuinely unable to locate the policy, that only highlights serious internal process failures. Customers should not have to chase refunds after money has already been taken.
If these practices are allowed under your terms and conditions, then those terms are clearly unfair and designed to financially penalise customers for almost nothing. I stand by this review and strongly believe this matter warrants scrutiny by the Financial Conduct Authority (FCA).
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Quote Detective is an insurance intermediary devoted to driving down the cost of your insurance.
Our team is made up of experts with extensive experience in the specialist motor insurance market. Using innovative pricing technology we deliver unique competitive prices to our customers and provide multi vehicle discounts. We are dedicated to getting it right for you first time.
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Quote Detective operates in the following niche sectors of the non standard motor market:
• High net worth individuals
• Convicted drivers – both motoring and non motoring
• High performance vehicles
• Young drivers
• Modified vehicles
• Multi-car and Multi-vehicle policiesSee more
