I insured my brand new Kuga with Ford Insure.
19th January 2012:
Stopped by police on M6 for “having no insurance”. The car was to be taken by the police unless I can get an insurance policy set up there and then. Ford Insure denied to the police officer any claim that I made previous insurance arrangements with them but agreed with me to set up a policy road-side which the officer verified before I could leave. I was handed a ticket for having no insurance!
On completion of my journey I contacted Ford Insure who continued to deny me ever taking up a policy but agreeing that I had spoken to them but not followed through with the insurance on the phone. I knew I had and so requested under the terms of the Data Protection Act for them to provide me a copy of every conversation with their staff in relation to the insurance of the named vehicle.
23rd January 2012:
Reference: RSAP6719753200 from Tom Bailey, Technical Customer Manager “To whom it may concern” to quote, “we would have honoured our obligations“. This was sent to the Magistrates Court and the matter was closed and I did not receive 6 points on my license and a heavy fine.
Nearly two years later I decided to sell the car privately (because the Ford Dealership wanted to offer me £2,400 less than what the vehicle was worth). I wanted to sell the Ford Kuga because it, despite the sales propaganda, there was no way to achieve the urban or motorway MPG at the published figures unless the vehicle was driven in a vacuum so I felt cheated by Ford and wanted to indefinitely cut ties with the company.
I called Ford Insure in November 2013 and formally cancelled the policy and gave my reasons for doing so – which was because I had sold the car. A letter arrived over the Christmas period from Premium Credit stating that I had to sign an agreement for them to continue taking payments from my account. I ignored this putting it down to the fact that clearly Ford continues to be in a muddle but will no doubt come to its senses. Without my authority, without the required signature, money started to be taken out of my account by Premium Credit so a visit to the bank resulted in the refund on £70+ of the stolen money and I was to begin a process of resolving the matter. I got beaten to it because today, by recorded delivery, I received this letter threatening me with legal action to recover their losses.
I look forward no to a visit from the bailiffs courtesy of the grossly negligent Ford Insure people.