I am not in this field of expertise, but I am pretty sure it is actually illegal to insure a car more than once at a time. Happy to be corrected if info is incorrect.
Sent from my iPhone > On 21 Jun 2019, at 01:49, Chris Young <chris.young...@gmail.com> wrote: > > I looked at cancelling my Q a while back after about 6months and was told I > would get nothing back. I had paid upfront. The monthly payments in my mind > have never been a kinda Pay as you go option, but something you have to pay > in full. Apart from the rudeness, doesn't sound like anything unexpected > going on > > I don't think there is anything stopping you having two policies on car, > except if you claim and they fight about who is going to pay etc and it turns > into a nightmare. > > (from my mobile) > >> On Thu, 20 Jun 2019, 23:28 Darren Siepka, <dar...@siepka.me.uk> wrote: >> This sounds like they use the finance house like I used to do with certain >> clients when I was selling IT installs. >> The finance house used to pay me in full on the day they signed up, then the >> client paid the finance house and was nothing to do with me. Saved me the >> headache of chasing a bad payer! >> I suspect fluxes has been paid in full already and don't want to reimburse >> the finance people! >> Pretty poor show and very unprofessional ! >> >>> On Thu, 20 Jun 2019, 23:14 Susan and Martin Scott, >>> <susanandmar...@corringham99.free-online.co.uk> wrote: >>> May I ask why you want to cancel the policy with them and then move to >>> another provider? (other than moving away from AF) >>> I take this opportunity to add that I moved away from them when my renewal >>> came a few years ago. They failed to provide agreed value paperwork after 3 >>> months (despite them insisting I provided paperwork to them within 14 >>> days... I provided it within 7 days). If Steve Kodz hadn't assisted I don't >>> think it would ever have been resolved. >>> Martin >>> ----- Original Message ----- >>> From: Niall McCracken >>> To: Quantum Owners Group >>> Sent: Thursday, June 20, 2019 7:43 PM >>> Subject: [Quantum Owners] Adrian Flux... >>> >>> I have had an extremely unsavoury exchange with Adrian Flux today regarding >>> cancelling my Quantum Insurance. >>> >>> I'm trying to cancel 6 months through a policy and I'm paying for it >>> monthly. They've told me that the only way I can cancel is by paying the >>> entire remaining 6 months of the policy upfront. I argued that if they >>> aren't providing a service they can't possibly charge for it. They reason >>> this is because the policy and the payment for the policy are completely >>> unconnected. The "credit agreement" is unconnected to the policy and simply >>> has to be paid no matter what irrespective of what happens to the actual >>> policy. This seems fairly insane to me. The extremely - extremely rude and >>> aggressive person at Adrian Flux told me that it was explained when I took >>> the policy out that I wasn't entitled to any refund; I said I didn't >>> want any refund I just wanted to cancel the policy. She said this actually >>> meant a refund from the total amount of credit I had taken out irrespective >>> of what happens. >>> She then, when not shouting over me tried to explain my consumer rights and >>> advised "strongly" against complaining to the FSA or Ombudsman as it would >>> be a "waste of time". Effectively this means I can't cancel the insurance >>> on my Quantum, leaving it impossible for anyone else to insure it. >>> I may be being a bit naïve here but I have never, ever, heard of a credit >>> agreement for insurance operating in this way. Is it just me or does that >>> sound completely bonkers? >>> -- >>> -- >>> You received this message because you are subscribed to the Google Groups >>> "Quantum Owners Group" group. >>> To post to this group, send email to quantumowners@googlegroups.com >>> To unsubscribe from this group, send email to >>> quantumowners-unsubscr...@googlegroups.com >>> For more options, visit this group at >>> http://groups.google.com/group/quantumowners?hl=en >>> >>> IMPORTANT NOTE: All information presented herewith is provided on an "As >>> Is" basis, without warranty or the implication thereof. Neither the Quantum >>> Owners Club nor the individuals associated with the Quantum Owners Club or >>> in the preparation of the above information shall have any liability to any >>> person or entity with respect to liability, loss, or damage caused or >>> alleged to be caused directly or indirectly by the instructions contained >>> within this or related message(s). >>> --- >>> You received this message because you are subscribed to the Google Groups >>> "Quantum Owners Group" group. >>> To unsubscribe from this group and stop receiving emails from it, send an >>> email to quantumowners+unsubscr...@googlegroups.com. >>> To view this discussion on the web visit >>> https://groups.google.com/d/msgid/quantumowners/c3a6ca63-83b3-49df-855f-8a875574522d%40googlegroups.com. >>> For more options, visit https://groups.google.com/d/optout. >>> >>> >>> >>> This email has been checked for viruses by AVG antivirus software. >>> www.avg.com >>> >>> >>> -- >>> -- >>> You received this message because you are subscribed to the Google Groups >>> "Quantum Owners Group" group. >>> To post to this group, send email to quantumowners@googlegroups.com >>> To unsubscribe from this group, send email to >>> quantumowners-unsubscr...@googlegroups.com >>> For more options, visit this group at >>> http://groups.google.com/group/quantumowners?hl=en >>> >>> IMPORTANT NOTE: All information presented herewith is provided on an "As >>> Is" basis, without warranty or the implication thereof. Neither the Quantum >>> Owners Club nor the individuals associated with the Quantum Owners Club or >>> in the preparation of the above information shall have any liability to any >>> person or entity with respect to liability, loss, or damage caused or >>> alleged to be caused directly or indirectly by the instructions contained >>> within this or related message(s). >>> --- >>> You received this message because you are subscribed to the Google Groups >>> "Quantum Owners Group" group. >>> To unsubscribe from this group and stop receiving emails from it, send an >>> email to quantumowners+unsubscr...@googlegroups.com. >>> To view this discussion on the web visit >>> https://groups.google.com/d/msgid/quantumowners/AF8FE72D031E42DCBF71314BD77CAAB2%40computer. >>> For more options, visit https://groups.google.com/d/optout. >> >> -- >> -- >> You received this message because you are subscribed to the Google Groups >> "Quantum Owners Group" group. >> To post to this group, send email to quantumowners@googlegroups.com >> To unsubscribe from this group, send email to >> quantumowners-unsubscr...@googlegroups.com >> For more options, visit this group at >> http://groups.google.com/group/quantumowners?hl=en >> >> IMPORTANT NOTE: All information presented herewith is provided on an "As Is" >> basis, without warranty or the implication thereof. Neither the Quantum >> Owners Club nor the individuals associated with the Quantum Owners Club or >> in the preparation of the above information shall have any liability to any >> person or entity with respect to liability, loss, or damage caused or >> alleged to be caused directly or indirectly by the instructions contained >> within this or related message(s). >> --- >> You received this message because you are subscribed to the Google Groups >> "Quantum Owners Group" group. >> To unsubscribe from this group and stop receiving emails from it, send an >> email to quantumowners+unsubscr...@googlegroups.com. >> To view this discussion on the web visit >> https://groups.google.com/d/msgid/quantumowners/CABxHo%2BxVVbfHiZdvdQZPN2cy%3DmL1qz2XNDR5T8T6%2BCQuhdfuLg%40mail.gmail.com. >> For more options, visit https://groups.google.com/d/optout. > > -- > -- > You received this message because you are subscribed to the Google Groups > "Quantum Owners Group" group. > To post to this group, send email to quantumowners@googlegroups.com > To unsubscribe from this group, send email to > quantumowners-unsubscr...@googlegroups.com > For more options, visit this group at > http://groups.google.com/group/quantumowners?hl=en > > IMPORTANT NOTE: All information presented herewith is provided on an "As Is" > basis, without warranty or the implication thereof. Neither the Quantum > Owners Club nor the individuals associated with the Quantum Owners Club or in > the preparation of the above information shall have any liability to any > person or entity with respect to liability, loss, or damage caused or alleged > to be caused directly or indirectly by the instructions contained within this > or related message(s). > --- > You received this message because you are subscribed to the Google Groups > "Quantum Owners Group" group. > To unsubscribe from this group and stop receiving emails from it, send an > email to quantumowners+unsubscr...@googlegroups.com. > To view this discussion on the web visit > https://groups.google.com/d/msgid/quantumowners/CADtdJ5JnmY%3DAY%3DguurJ2TmnADgDujA_-1%3DTHke_w0_dM%3DJdwXA%40mail.gmail.com. > For more options, visit https://groups.google.com/d/optout. -- -- You received this message because you are subscribed to the Google Groups "Quantum Owners Group" group. To post to this group, send email to quantumowners@googlegroups.com To unsubscribe from this group, send email to quantumowners-unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/quantumowners?hl=en IMPORTANT NOTE: All information presented herewith is provided on an "As Is" basis, without warranty or the implication thereof. Neither the Quantum Owners Club nor the individuals associated with the Quantum Owners Club or in the preparation of the above information shall have any liability to any person or entity with respect to liability, loss, or damage caused or alleged to be caused directly or indirectly by the instructions contained within this or related message(s). --- You received this message because you are subscribed to the Google Groups "Quantum Owners Group" group. To unsubscribe from this group and stop receiving emails from it, send an email to quantumowners+unsubscr...@googlegroups.com. 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