written by on 11/07/2014
I recently took out new car insurance with Elephant. In 2011, I had an incident when insured with another company - another driver impacted my passenger door. It was completely the other drivers fault, and all monies were recovered, no problems. My NCD was unaffected.
When I went online to compare prices last week, I did not have my incident details to hand, so put in that the incident happened in December 2011 (as the exact date would not affect the quote outcome so long as the insurer knew I had an incident in 2011).
When I found my new insurer and registered for the insurance, I dug-out the actual dates and entered these into the system to correctly record the incident details and all was good.
Imagine my surprise when I received an Email stating I had made an amendment to my policy and they were deducting £109 extra from my account. After a few phone-calls, it transpires that Elephant have seen my generic search online and seen that I mentioned an incident which was more than 3-months away from the incident I registered with them, so they 'amended' and added it to my policy as a second incident without my knowledge or permission (from an online search!!).
Now, I have the hassle of having to contact my insurer from 2011 and ask them to write a letter to me so I can pass it to Elephant to state I was insured, I did only register a single incident and that my NCD remained unaffected!!!
What a farce!!!