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Dreadful pits of hellish torture for both customer and the people who work there. Press 1 to leave an amusing story, press 2 for us to send you a lunchbox full of turds.

(, Thu 3 Sep 2009, 12:20)
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Terrible cunts
I was pulled over by the police whilst driving to work on Wednesday - apparently I didnt have insurance.
I then proceded to explain that I had a valid insurance document. They told me I had to produce this to them at the station which I duley did.
The CUNTS at www.swiftcover.com had cancelled my insurance because they couldnt get my no-claims from my last provider. They had apparently TEXT!? me to tell me this.
I now have to go to fucking court over this to prove I've done all I can to be insured.
I phone their help and they explained that they do not call customers and use text and email only. WHAT THE FUCK!
I am seeking legal advise to sue the fuckers.
(, Fri 4 Sep 2009, 13:37, 9 replies)
Sorry to hear that mate. I received multiple letters askign me for proof of no claims when I switched provider, which is how it should be. Surely Text can't be considered a legal form of communication. There is no guarantee it will be received. 140 characters of CUNT.
(, Fri 4 Sep 2009, 13:40, closed)
Similar story here
Got stopped after driving through a road-side check - I thought I was insured, as I'd received my renewal with "No need to do anything, we're automatically renewing your insurance" - "we'll contact you if we need anything" and "here's your policy details" on it.

Nice policeman though, he followed me home, read though the paperwork, then him and myself took it in turns to speak to the insurance people. They basically admitted a "clerical error" which meant that they had neither bothered to insure me, or to bother to let me know. They apologised and backdated my insurance, thank feck.

The stress that this put me though, even for a couple of hours, was awful - I don't envy you one bit. Definitely get legal advice, there is no way anyone should have to take the rap for the incompetence of an insurance company.

I'm just glad that the police let me know really, otherwise god knows what would have happened if I'd driven my knackered land rover into a Veryon or worse :(
(, Fri 4 Sep 2009, 13:54, closed)
Me too
sort of. Got pulled over for not having tax (fair cop, was 11 months out of date - before they got strict) and insurance company told me they had cancelled a direct debit that day and therefore wasnt covered. Went batshit insane. 6 months later ended up in court for not having insurance. As I did, I had no problems in the end. They forgot entirely about the tax disk (or at least decided to go for the bigger 'crime').

However, my mate had very similar circumstances to you, but his DD bounced that week, and they cancelled his policy. The police went to his house also, and they found a letter that had been delievered whilst he was out stating this. But he was basically banged to rights, he had no valid policy, and the cock up with the DD was him not having the money in his account. Eventually, he was arrested, charged and got 12 months imprisonment*. So yes, get a lawyer.

*kidding! calm down. It was 6!**

**still kidding! calm down. They let him out after 4!***

***not kidding!****

****Am kidding*****

*****Ok, he got banned from driving.******

******True.12 months. Soz.
(, Fri 4 Sep 2009, 14:09, closed)
You need to make sure you make an official complaint to Swiftcover about this. Their complaints procedure should be in your policy wording (also worth checking out the section on their right to cancel the policy which should be in there) which they are legally obliged to send you a copy of(assuming they didn't text it to you).

Basically complain to them in writing and if they don't resolve/give you a satisfactory answer within 8 weeks you can then take them to the financial ombudsman. Might also be worth checking online for the ICOBS rules - basically these are rules laid down by the FSA on how insurers must act when transacting business with private consumers.

I work for an insurance company that is (believe or not) an honest one and it does my head in when twats like swiftcover give everyone in the industry a bad name. No way in hell is text a valid form of communication - complain, get your cover reinstated and backdated, then sue the crap out them!
(, Fri 4 Sep 2009, 14:18, closed)
Iggy Pop is off any sort of credibulity wall of fame
For advertising crapcover.
yes I was insured by that bunch of comedians-sorry comedians are funny.
(, Fri 4 Sep 2009, 14:37, closed)
the problem is
I think swiftcover make it explicitly clear that they only use text and email...that's why they are half the price of everyone else. I used them and got the no-claims proof myself, scanned it and emailed it to them....
(, Fri 4 Sep 2009, 15:01, closed)
Direct Debit
Did they stop taking the money from you after they had cancelled the insurance?
(, Fri 4 Sep 2009, 15:23, closed)
Car insurance check
www.askmid.com (mid = motor insurance database) will tell you if you are covered. It uses essentially the same database the rozzers use for roadside checks, so if you come up clean on this you're golden. ALWAYS check it after your policy has automatically renewed, just to be sure.
(, Fri 4 Sep 2009, 15:45, closed)
For that. Useful site.
(, Fri 4 Sep 2009, 16:13, closed)

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