NCB insurance -a PHEW and a rant.
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From: Man at B&Q on 5 Aug 2010 11:08 On Aug 5, 3:43 pm, "GT" <a...(a)b.c> wrote: > "Man at B&Q" <manatba...(a)hotmail.com> wrote in messagenews:54743f7e-6ce0-4b1e-bbb6-dd84f808496d(a)l14g2000yql.googlegroups.com... > On Aug 5, 10:06 am, "GT" <a...(a)b.c> wrote: > > > > > "FrengaX" <hnkjqr...(a)sneakemail.com> wrote in message > > >news:50163d77-642a-41ee-917d-ab31c1d87e73(a)k19g2000yqc.googlegroups.com.... > > On Aug 4, 11:28 pm, Harry Bloomfield > > > <harry.m1...(a)NOSPAM.tiscali.co.uk> wrote: > > > A week or so ago I decided RAC's increasing insurance renewal cost and > > > their statement in the small print of the renewal - that they would > > > renew it anyway from my provided CC details, was the last straw. So I > > > started shopping around and got myself a much better quote. Much > > > cheaper and it covered for more. > > > > A very long and detailed form to fill in and one of the questions was > > > how many years NCB - naturally, never having had a claim on my policy > > > in 45 years, I choose the highest number offered of 9 years. > > > > Then read after agreeing to it and paying for it that they required > > > proof. I have never been asked for proof before and was at a loss, so > > > rang them and they advised contacting my old insurer and asking them to > > > send me proof of the 9 years. > > > > I had the day before cleaned out my files of old documents for > > > insurance and really had not much idea who I had been with prior to > > > RAC, or how long I had been with them. > > > > I asked SWMBO if the documents had been shredded, they hadn't and I > > > asked her to try to recover them - but fairly sure none mentioned years > > > of NCB. Since when I have been in a bit of a tiz, rather than wading > > > through the docs I have been too busy sorting other problems out. > > > > I finally got around to wading through all the pile of documents this > > > evening and my final reminder from RAC just happens to mention I have 9 > > > years NCB - PHEW the proof I needed. > > > > Isn't the whole system of NCB a complete mess? > > > > Shouldn't NCB be a figure which follows you from one insurer to > > > another, irrespective of how the individual insurer works their NCB and > > > be the TOTAL number of years during which you have made no claim? > > > > Don't you just wish the online compares gave you cost comparisons for > > > the various options, like TPF&T versus FC - so you could decide which > > > was your best option? I often find FC is cheaper for me than TPF&T. > > > > Now to check whether RAC renewed my insurance against my specific > > > instruction not too.... > > > Cancel the DD. That way, they can't renew it. > > > They use your credit card details that you used last time - its not a DD! > > If > > the card has expired, then you're OK, > > Incorrect. They can still make a charge, even if you have cancelled > the card and the card processor will chase you for it. > > Companies that payments over the phone or internet use 'customer not > present' transactions. > If I cancel a credit card, are you saying it can still be used for these > 'customer not present' transactions and I will still be billed - that > doesn't sound right? Online shopping for example? "Customer not present" transactions are completely different to "continuous authority". The former require at least the expiry date and usually the CCV value. The latter do not require the expiry date or CCV value, specifically to make them easier to administer on an ongoing basis where a new card may have been issued since the last payment was taken. MBQ
From: GT on 5 Aug 2010 11:11 "Man at B&Q" <manatbandq(a)hotmail.com> wrote in message news:e06e4d3e-96ff-4499-ab59-21338acec8ba(a)u26g2000yqu.googlegroups.com... On Aug 5, 3:43 pm, "GT" <a...(a)b.c> wrote: > "Man at B&Q" <manatba...(a)hotmail.com> wrote in > messagenews:54743f7e-6ce0-4b1e-bbb6-dd84f808496d(a)l14g2000yql.googlegroups.com... > On Aug 5, 10:06 am, "GT" <a...(a)b.c> wrote: > > > > > "FrengaX" <hnkjqr...(a)sneakemail.com> wrote in message > > >news:50163d77-642a-41ee-917d-ab31c1d87e73(a)k19g2000yqc.googlegroups.com... > > On Aug 4, 11:28 pm, Harry Bloomfield > > > <harry.m1...(a)NOSPAM.tiscali.co.uk> wrote: > > > A week or so ago I decided RAC's increasing insurance renewal cost and > > > their statement in the small print of the renewal - that they would > > > renew it anyway from my provided CC details, was the last straw. So I > > > started shopping around and got myself a much better quote. Much > > > cheaper and it covered for more. > > > > A very long and detailed form to fill in and one of the questions was > > > how many years NCB - naturally, never having had a claim on my policy > > > in 45 years, I choose the highest number offered of 9 years. > > > > Then read after agreeing to it and paying for it that they required > > > proof. I have never been asked for proof before and was at a loss, so > > > rang them and they advised contacting my old insurer and asking them > > > to > > > send me proof of the 9 years. > > > > I had the day before cleaned out my files of old documents for > > > insurance and really had not much idea who I had been with prior to > > > RAC, or how long I had been with them. > > > > I asked SWMBO if the documents had been shredded, they hadn't and I > > > asked her to try to recover them - but fairly sure none mentioned > > > years > > > of NCB. Since when I have been in a bit of a tiz, rather than wading > > > through the docs I have been too busy sorting other problems out. > > > > I finally got around to wading through all the pile of documents this > > > evening and my final reminder from RAC just happens to mention I have > > > 9 > > > years NCB - PHEW the proof I needed. > > > > Isn't the whole system of NCB a complete mess? > > > > Shouldn't NCB be a figure which follows you from one insurer to > > > another, irrespective of how the individual insurer works their NCB > > > and > > > be the TOTAL number of years during which you have made no claim? > > > > Don't you just wish the online compares gave you cost comparisons for > > > the various options, like TPF&T versus FC - so you could decide which > > > was your best option? I often find FC is cheaper for me than TPF&T. > > > > Now to check whether RAC renewed my insurance against my specific > > > instruction not too.... > > > Cancel the DD. That way, they can't renew it. > > > They use your credit card details that you used last time - its not a > > DD! > > If > > the card has expired, then you're OK, > > Incorrect. They can still make a charge, even if you have cancelled > the card and the card processor will chase you for it. > > Companies that payments over the phone or internet use 'customer not > present' transactions. > If I cancel a credit card, are you saying it can still be used for these > 'customer not present' transactions and I will still be billed - that > doesn't sound right? Online shopping for example? "Customer not present" transactions are completely different to "continuous authority". The former require at least the expiry date and usually the CCV value. The latter do not require the expiry date or CCV value, specifically to make them easier to administer on an ongoing basis where a new card may have been issued since the last payment was taken. OIC the difference - hadn't heard of 'continuous authority' on a credit card before - kinda like a direct debit on a credit card then! My renewing insurance took all the details and attempted to renew annually, but the card had expired, so they couldn't put the payment through. I did question why they had kept my credit card details on record without my permission - data protection act - but the person on the phone (in india) didn't really understand what I was talking about. I didn't bother taking that any further.
From: Mike P on 5 Aug 2010 11:27 NM wrote: > On 5 Aug, 10:06, "GT" <a...(a)b.c> wrote: >> "FrengaX" <hnkjqr...(a)sneakemail.com> wrote in message >> >> news:50163d77-642a-41ee-917d-ab31c1d87e73(a)k19g2000yqc.googlegroups.com... >> On Aug 4, 11:28 pm, Harry Bloomfield >> >> >> >> <harry.m1...(a)NOSPAM.tiscali.co.uk> wrote: >>> A week or so ago I decided RAC's increasing insurance renewal cost >>> and their statement in the small print of the renewal - that they >>> would renew it anyway from my provided CC details, was the last >>> straw. So I started shopping around and got myself a much better >>> quote. Much cheaper and it covered for more. >> >>> A very long and detailed form to fill in and one of the questions >>> was how many years NCB - naturally, never having had a claim on my >>> policy in 45 years, I choose the highest number offered of 9 years. >> >>> Then read after agreeing to it and paying for it that they required >>> proof. I have never been asked for proof before and was at a loss, >>> so rang them and they advised contacting my old insurer and asking >>> them to send me proof of the 9 years. >> >>> I had the day before cleaned out my files of old documents for >>> insurance and really had not much idea who I had been with prior to >>> RAC, or how long I had been with them. >> >>> I asked SWMBO if the documents had been shredded, they hadn't and I >>> asked her to try to recover them - but fairly sure none mentioned >>> years of NCB. Since when I have been in a bit of a tiz, rather than >>> wading through the docs I have been too busy sorting other problems >>> out. >> >>> I finally got around to wading through all the pile of documents >>> this evening and my final reminder from RAC just happens to mention >>> I have 9 years NCB - PHEW the proof I needed. >> >>> Isn't the whole system of NCB a complete mess? >> >>> Shouldn't NCB be a figure which follows you from one insurer to >>> another, irrespective of how the individual insurer works their NCB >>> and be the TOTAL number of years during which you have made no >>> claim? >> >>> Don't you just wish the online compares gave you cost comparisons >>> for the various options, like TPF&T versus FC - so you could decide >>> which was your best option? I often find FC is cheaper for me than >>> TPF&T. >> >>> Now to check whether RAC renewed my insurance against my specific >>> instruction not too.... >> >> Cancel the DD. That way, they can't renew it. >> >> They use your credit card details that you used last time - its not >> a DD! If the card has expired, then you're OK, otherwise they just >> take it. If it were a DD and you cancelled it, then you are breaking >> a contract and they will charge you for the failed DD as well as the >> renewal amount (been there!). > > That was tried on me so I called the CC company and told them the card > was stolen, cancelled instantly and new card with different number > issued within 24 hours. I've also done exactly the same! -- Mike P
From: Harry Bloomfield on 5 Aug 2010 12:40 FrengaX used his keyboard to write : > On Aug 4, 11:28�pm, Harry Bloomfield > <harry.m1...(a)NOSPAM.tiscali.co.uk> wrote: >> A week or so ago I decided RAC's increasing insurance renewal cost and >> their statement in the small print of the renewal - that they would >> renew it anyway from my provided CC details, was the last straw. So I >> started shopping around and got myself a much better quote. Much >> cheaper and it covered for more. >> >> A very long and detailed form to fill in and one of the questions was >> how many years NCB - naturally, never having had a claim on my policy >> in 45 years, I choose the highest number offered of 9 years. >> >> Then read after agreeing to it and paying for it that they required >> proof. I have never been asked for proof before and was at a loss, so >> rang them and they advised contacting my old insurer and asking them to >> send me proof of the 9 years. >> >> I had the day before cleaned out my files of old documents for >> insurance and really had not much idea who I had been with prior to >> RAC, or how long I had been with them. >> >> I asked SWMBO if the documents had been shredded, they hadn't and I >> asked her to try to recover them - but fairly sure none mentioned years >> of NCB. Since when I have been in a bit of a tiz, rather than wading >> through the docs I have been too busy sorting other problems out. >> >> I finally got around to wading through all the pile of documents this >> evening and my final reminder from RAC just happens to mention I have 9 >> years NCB - PHEW the proof I needed. >> >> Isn't the whole system of NCB a complete mess? >> >> Shouldn't NCB be a figure which follows you from one insurer to >> another, irrespective of how the individual insurer works their NCB and >> be the TOTAL number of years during which you have made no claim? >> >> Don't you just wish the online compares gave you cost comparisons for >> the various options, like TPF&T versus FC - so you could decide which >> was your best option? I often find FC is cheaper for me than TPF&T. >> >> Now to check whether RAC renewed my insurance against my specific >> instruction not too.... > > Cancel the DD. That way, they can't renew it. They haven't taken it so far as I could see in my CC account. I didn't set up a DD, I just gave them my CC details each year for the renewal. -- Regards, Harry (M1BYT) (L) http://www.ukradioamateur.co.uk
From: FrengaX on 5 Aug 2010 12:44
On Aug 5, 10:06 am, "GT" <a...(a)b.c> wrote: > "FrengaX" <hnkjqr...(a)sneakemail.com> wrote in message > > news:50163d77-642a-41ee-917d-ab31c1d87e73(a)k19g2000yqc.googlegroups.com... > On Aug 4, 11:28 pm, Harry Bloomfield > > > > > > <harry.m1...(a)NOSPAM.tiscali.co.uk> wrote: > > A week or so ago I decided RAC's increasing insurance renewal cost and > > their statement in the small print of the renewal - that they would > > renew it anyway from my provided CC details, was the last straw. So I > > started shopping around and got myself a much better quote. Much > > cheaper and it covered for more. > > > A very long and detailed form to fill in and one of the questions was > > how many years NCB - naturally, never having had a claim on my policy > > in 45 years, I choose the highest number offered of 9 years. > > > Then read after agreeing to it and paying for it that they required > > proof. I have never been asked for proof before and was at a loss, so > > rang them and they advised contacting my old insurer and asking them to > > send me proof of the 9 years. > > > I had the day before cleaned out my files of old documents for > > insurance and really had not much idea who I had been with prior to > > RAC, or how long I had been with them. > > > I asked SWMBO if the documents had been shredded, they hadn't and I > > asked her to try to recover them - but fairly sure none mentioned years > > of NCB. Since when I have been in a bit of a tiz, rather than wading > > through the docs I have been too busy sorting other problems out. > > > I finally got around to wading through all the pile of documents this > > evening and my final reminder from RAC just happens to mention I have 9 > > years NCB - PHEW the proof I needed. > > > Isn't the whole system of NCB a complete mess? > > > Shouldn't NCB be a figure which follows you from one insurer to > > another, irrespective of how the individual insurer works their NCB and > > be the TOTAL number of years during which you have made no claim? > > > Don't you just wish the online compares gave you cost comparisons for > > the various options, like TPF&T versus FC - so you could decide which > > was your best option? I often find FC is cheaper for me than TPF&T. > > > Now to check whether RAC renewed my insurance against my specific > > instruction not too.... > > Cancel the DD. That way, they can't renew it. > > They use your credit card details that you used last time - its not a DD! If > the card has expired, then you're OK, otherwise they just take it. If it > were a DD and you cancelled it, then you are breaking a contract and they > will charge you for the failed DD as well as the renewal amount (been > there!). Sorry, misread CC for DD! This is one reason I will never use any card for a continuous/ repeating payment. Direct Debit is cancellable by you, and also covered by the Direct Debit scheme, giving you various protections. Nothing like that with CC payments. |