Mid Stream Change Of Address And Insurers Rip-Off

[Lexmanic]

Nope.

Still a mature student - another year before I finish my law degree.

I intend to specialise in consumer contract law.

OK check section 7 of the DPA Also CCL does come into affect in this matter in that their contract with Malc means they have fiduciary duty to him In other words they cannot increase the premium without explaining why Also they cannot rely on any agent contract to deny him that info

[Lexmanic]

If you confirm your student status, which college, length of degree full/part time etc, I'm more than happy to send you a copy on the clear understanding that you do not publish it in any form or place

[bigegg]

OK.

one last time, then I'm going to bed.

Section 7 says "personal data". the background statistics relating to how a premium is calculated is NOT personal data.

Malc's address is personal data.

The amount of claims in that postcode, or within an undisclosed radius of that postcode, and how that relates to any increase or decrease in risk, is NOT personal data.

You might as well ask them why a 1.9 renault laguna costs more to insure than a 4.0 LS400 - that's the insurance co's personal data, not yours.

The insurance company has explained why the premium has increased - "because you live in a higher risk area". He is not, IMO, entitled to the background data, and the insurance company will fight tooth and nail to not release it - I would guess as far as appeals to the House of Lords

The simple fact is, premiums change depending upon postcode - sometimes it increases, sometimes it decreases (did for me a couple of years ago).

As I said at the start of this thread, the only way to make a complaint stick is to generate a fresh quotes from saga, one at the old postcode, one at the new. If the quote at the new postcode doesn't reflect the increase in premium which Malc has been given, then there is grounds to complain.

[Lexmanic]

Thats the problem for those who don't undertstand the DPA it IS personal data as it affects him directly

[TigerFish]

Nonsense There are so many so called 'experts'

lol "pot and kettle" springs to mind.

[Lexmanic]

Nonsense There are so many so called 'experts'

lol "pot and kettle" springs to mind.

Really & you don't even know me

[Lexmanic]

What is for certain i will not again offer any 'free' advice on this forum

[janey]

Guys can we please keep things civil, throwing insults around gets us nowhere and the last thing I want to do is close & edit half the topic

Kiss & make up eh

[IHgs300]

Bump for Mike and Steve....I heard you guy;s were hunting for this thread.

[Malc]

Thank you guys for finding it for me ......... now down to doing something positive with these Saga guys !!

the saga continues :shruriken:

Malc