I know this thread is old but I thought I'd respond anyway as I take exception to what "keep it simple" was saying. Tacit renewal has been around for years! When taking out your first policy with an insurance comapany you will be informed (by the advisor if it is over the phone or on the internet) that you agree for you insurance ...

Hi Coyote, Every insurance policy should be scrutinised to understand all fee charges etc. BISL/BGL are just a broker, in the event of a claim it is up to your insurer to look after you. BISL will offer you loads of extras if the claim is non fault (to be expected) but otherwise it is up to your insurer. I've been working at BGL @ 5 years ...

I'm not sure about complaining but most insurance companies will use a renewal notice of proof of NCD. You say you have one with 9 years on it. Happy days!

Cetainly people in the motor trade have whats called "trade policies" where they can drive any car (for obvious reasons), these usually come with high premium and high excess. Your best bet is to ring some of the bigger insurance companies to find out what they offer (don't ring brokers, they are unlikely to be ably to help you).

Surely the renewal notice would be for a different car than the one you're trying to insure? My advice is don't do it, you would technically be driving round without insurance

redapple:thanks. yep i called Quinns and they said that he was definately covered. Direct Line wont have my custom.in the future. It seems a bit silly to say Direct Line wont have your custom in the future, as an insurance company they will offer prices on the type of risk you are, if at the moment they are not interested in covering you ...

Budget have 4 call centres in th UK and 1 in South Africa. Also there is no cancellation fee if you are cancelling within the 14 day cooling off period but there is an adminitration fee (this is a lot less than the cancellation fee). If you really feel you have been misled then ring up and complain or write in to complain. All calls are ...

And by the way the 14 days is calculated as 14 days from when the docs were sent plus 2 days for postage so you actually have 16 days in which to cancel.

You will be charged what is known as short term rates for cancelling your policy early (outside of the 14 day cooling off period - in this period you will only be charged for the amount of days you have actually been on cover + an admin fee for all the paperwork and documentation etc, circa £20)). For short term rates I would expect them to ...

I work there, you do not need to take out both home and car insurance to qualify for the cash back.