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Peter Hanney

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Review of the Santander, 123 Current Account (discontinued):

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Benifits need to beat charges

If you use it a lot it is one of the best accounts on the market Reviewed on: 20th September 2023

Review of the Quoteline Direct, Car Insurance:

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Extortionate Cancellation Fees

I took out a policy on a pick up truck "Van" on the 27th July 2023. However on the 8th September 2023 I sold the vehicle. I contacted the help desk to explain the situation and investigate the changing of the policy to another vehicle or to cancel it. I explored the transfer of the policy from a "van" to a "car" but was informed that the policy would need to be cancelled and a new one taken out. I was then informed that my refund for the 44 days of insurance out of a total of 365 if the policy was cancelled would be £8.43. Initial cost was £164.06. If the policy was "transferred" then the discount on a new policy would be £58.86. At this point I said "forget it" and informed said that I would be making a complaint. I did not ask for the policy to be cancelled and I assumed saying forget it would result in no further action being taken. Why would I cancel a policy with 321 days to run for a meagre £8.43 as you never know I may acquire a van in that time? I was surprised to then find a message informing me that the policy had been cancelled as of the 14th September 2023. I am now in dispute with the company. I understand that a pro-rata refund for insurance is not usually available as the cost of setting up a policy negates this, but less than 5% refund for 44 days of insurance? Reviewed on: 20th September 2023

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