That makes no sense.I did ask if the policy could be brought forward to 16.00 that day (which I would have had to cancel the old policy because you cannot be doubly insured) - the answer was no.
That's what I thought too.You’re making a mountain out of a mole hill.
I think the OP has a point. If I take out annual insurance starting, let's say, on 1 March, I don't expect it to start two thirds of the way through that day. And don't expect to have to read through 16 pages of their policy document to find that out - after buying the policy. Most people wouldn't know they weren't insured for an 8 hour period.Has anybody else come across this at all or how many unsuspecting people taking out policies don't realise they're not covered?
You’re making a mountain out of a mole hill. You should have taken out the insurance from 16:00 the day before. You should have said I need insurance from Tuesday at 16:00. Then if something happened between 16:00 and midnight use your old insurance cover. If something happens after midnight use the new insurance cover.
If queried just say. I needed insurance in place from midnight and thus started the coverage from the day before as my new insurance company rolls over at 16:00. You weren’t doubly insured you just had policies that overlapped slightly due to different roll over times.
Alternatively you could have contacted you old insurance company and said please cease cover at 16:00, I don’t need a refund for the last 8 hours of the policy, thanks. Even if they refuse the call would still be on record and your intention not to be doubly insured would be clear.
You’re making a mountain out of a mole hill.
That's what I thought too.
I wouldn't. I'd expect it to start at the time that's mentioned at the time of purchase. I've seen 00:00, 00:01 and possibly other times for different policies over the years. The specific start time was always clearly stated before the purchase was completed. I'd never assume that it was going to start at midnight.if you buy insurance you expect it to start at midnight unless it is specified at the time of buying that it starts at a different time
I wouldn't. I'd expect it to start at the time that's mentioned at the time of purchase. I've seen 00:00, 00:01 and possibly other times for different policies over the years. The specific start time was always clearly stated before the purchase was completed. I'd never assume that it was going to start at midnight.
It should be declared on the website beside the field where you are entering the date.I wouldn't. I'd expect it to start at the time that's mentioned at the time of purchase. I've seen 00:00, 00:01 and possibly other times for different policies over the years. The specific start time was always clearly stated before the purchase was completed. I'd never assume that it was going to start at midnight.
I wouldn't. I'd expect it to start at the time that's mentioned at the time of purchase. I've seen 00:00, 00:01 and possibly other times for different policies over the years. The specific start time was always clearly stated before the purchase was completed. I'd never assume that it was going to start at midnight.
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