His car is insured with Direct Line and as the anniversary approached he quite sensibly decided to look around for quotes and indeed, found a combination of cover, quote and freebies that suited him perfectly. An oral quote, which he had to initiate, over the phone from D/L was apparently unacceptable.
Anyway, His insurance changed on 1st October and as of yesterday, he hadn't received a written quotation / NCD certificate from D/L and his new insurers were demanding proof of NCD. He had the good sense to cancel his direct debit with D/L and was informed by his bank that they had tried to claim another payment earlier this month.
Upon phoning D/L, he was told that they "Don't routinely send out renewal notices now", the onus, apparently, being upon the policyholder to deal with the matter or else they assume that the policy is to continue, at, in this case, a higher premium than the year before.
He told D/L to get stuffed, quite understandably, and asked for proof of NCD certificate to present to his new insurer... only to be told that, yes, they could provide the appropriate documentation but as he was no longer going to be a customer there would be a charge of Ã‚Â£35.
Talk about rip-off Britain
Apparently, when he spoke on the phone he was told "It is part of the contract of insurance". In other words, if you stay with them you can have the document although you don't need it but if you move to another company they charge you Ã‚Â£35 and they also do not provide a written quote at the anniversary and it is up to the policy holder to enquire.
I had a little chat with their customer service this morning and was served up no such bull-shit. They will "have his NCD document in tonight's post". The customer service representative I spoke to was unable to explain why my student had been given conflicting information.
So now I'm wondering why it should have taken an intervention by me to sort this out.