Are telephone calls between insurance comapnies and yourself legally binding?

Question

ive had meny conversations with my insurance company and they keep stating they will send out sum information for me and that it would take up to 7 working days. it has now been 20 working days and still nothing? is this allowed or is there any act or legislation to help me?

any info would be great

Answer 1

Telephone calls are worthless.  All communication should be in writing.

Answer 2

I presume you're in England (the law is different in Scotland and the US).  Although the insurance company has given an undertaking, this is not a contract so they are not bound by it.  However, the Financial Markets and Services Act requires insurance companies to treat their customers fairly and you have grounds for complaint.

I suggest you write to them pointing out what has happened.  That way, it will be dealt with by the insurance company and not by someone in a call centre on a different continent.

Answer 3

No. This is not a binding contract. Especially since you are waiting for something via mail. Maybe they have mailed it out but it got lost in the mail, or they have the incorrect address.

Call the insurance company again and ask for a supervisor, explain your concerns and hopefully that will take care of your problem.