Questions of Cash: Why was it so difficult to add my child to my car insurance?

 

Q. I insure my car, fully comprehensive, through Volkswagen, with the policy underwritten by Allianz. In January, I wanted to add my 26-year-old daughter as a named driver, either temporarily or for a limited period as she was visiting the UK. I was told that this was not possible because she had not resided in the UK for the previous six months, even though she is a UK citizen, lived here until three years ago, passed her driving test here, holds a full UK driving licence, has a full no claims bonus and a clean driving licence.

Previously, we had arranged two periods of cover for two weeks on the same policy. Allianz was unable to tell me whether or not their refusal to cover what they called "non-residents" was industry-wide or just their own policy. Two other insurers were prepared to cover my daughter, but only if I switched my policy to them. Allianz took the matter to its underwriters and agreed to cover my daughter, but for a swingeing extra premium of £300 – almost double my original premium. This was on condition that the cover was for the remaining period of my policy until November 2014, even though I explained that she would be in the UK for two months at the most. VP, Stirlingshire.

A. Allianz has agreed that your daughter be placed on your policy on a temporary basis only. As she has now returned to South Africa, Allianz has refunded the additional premium cost for the rest of the period of the policy. A spokeswoman explains: "We do not provide permanent cover for non-residents, but will refer extenuating circumstances to our underwriters for consideration. The additional premium charged for [the reader's] second request to provide cover for her daughter was based on adding her as a permanently named driver. This is because the period for which we offer temporary cover is up to 14 days and the daughter's cover was needed for an undetermined amount of time. [The reader] did not make us aware at the time cover was only required for two months."

Dispute over a debit from my bank account

Q. Ladbrokes has withdrawn £6,136.28 from my account with Danske Bank without my authorisation. I am convinced that my card was skimmed. The fraud has left my bank account without any funds. I have never had dealings with Ladbrokes and when I contacted them they had an incorrect date of birth recorded for me. When I reported the fraud to my bank I was promised the funds would be returned to my account within a day. This didn't happen and Danske Bank now denies making this promise. My debit card is blocked and I'm desperate. AN, Belfast.

A. Danske Bank has declined to comment, saying the matter is in the hands of its legal team. It would seem that you have not persuaded Danske Bank that your version of events is accurate. On this basis, there is nothing more we can do. It is worth adding that Ladbrokes holding the wrong date of birth for you does not, in itself, prove that someone else opened the account with them. You will need to take legal advice.

When charity does not begin at home

Q. My daughter and her husband have recently gone to Africa as volunteer relief workers. They have a mortgage on their flat, but now their lender wants to increase their rate of interest by 1 per cent and charge them fees for changing the terms of their mortgage! The bank says that there is increased risk from having tenants. This seems immoral to me. DM, by email.

A. Increasing the interest rate on a mortgage when a property is let is common practice. Some lenders, in some circumstances, will allow mortgage borrowers to rent properties out for short periods without increasing rates, but some require borrowers to move to buy-to-let mortgage terms.

Independent Partners; Do you need financial advice on your investments, pension or insurance? Book a free consultation with an independent Financial Adviser at VouchedFor.co.uk

Arts and Entertainment
Louis Theroux: By Reason of Insanity takes him behind the bars again
tvBy Reason of Insanity, TV review
Arts and Entertainment
Cassetteboy's latest video is called Emperor's New Clothes rap
videoThe political parody genius duo strike again with new video
Sport
Seth Rollins cashes in his Money in the Bank contract to win the WWE World Heavyweight Championship
WWERollins win the WWE World Heavyweight title in one of the greatest WrestleMania's ever seen
Arts and Entertainment
Jim Davidson performs his comedy show at Edinburgh Festival 2014
TV
Finacial products from our partners
Property search
  • Get to the point
Latest stories from i100
Have you tried new the Independent Digital Edition apps?
Independent Dating
and  

By clicking 'Search' you
are agreeing to our
Terms of Use.

ES Rentals

    iJobs Job Widget
    iJobs Money & Business

    Recruitment Genius: Retirement Coordinator - Financial Services

    Negotiable: Recruitment Genius: To provide a prompt, friendly and efficient se...

    Recruitment Genius: Annuities / Pensions Administrator

    Negotiable: Recruitment Genius: You will be the first point of contact for all...

    Ashdown Group: HR, Payroll & Benefits Officer - Altrincham - up to £24,000.

    £18000 - £24000 per annum + benefits: Ashdown Group: HR, Payroll & Benefits Of...

    Ashdown Group: Learning and Development Programme Manager

    £35000 - £38000 per annum + benefits : Ashdown Group: A highly successful, int...

    Day In a Page

    No postcode? No vote

    Floating voters

    How living on a houseboat meant I didn't officially 'exist'
    Louis Theroux's affable Englishman routine begins to wear thin

    By Reason of Insanity

    Louis Theroux's affable Englishman routine begins to wear thin
    Power dressing is back – but no shoulderpads!

    Power dressing is back

    But banish all thoughts of Eighties shoulderpads
    Spanish stone-age cave paintings 'under threat' after being re-opened to the public

    Spanish stone-age cave paintings in Altamira 'under threat'

    Caves were re-opened to the public
    'I was the bookies’ favourite to be first to leave the Cabinet'

    Vince Cable interview

    'I was the bookies’ favourite to be first to leave the Cabinet'
    Election 2015: How many of the Government's coalition agreement promises have been kept?

    Promises, promises

    But how many coalition agreement pledges have been kept?
    The Gaza fisherman who built his own reef - and was shot dead there by an Israeli gunboat

    The death of a Gaza fisherman

    He built his own reef, and was fatally shot there by an Israeli gunboat
    Saudi Arabia's airstrikes in Yemen are fuelling the Gulf's fire

    Saudi airstrikes are fuelling the Gulf's fire

    Arab intervention in Yemen risks entrenching Sunni-Shia divide and handing a victory to Isis, says Patrick Cockburn
    Zayn Malik's departure from One Direction shows the perils of fame in the age of social media

    The only direction Zayn could go

    We wince at the anguish of One Direction's fans, but Malik's departure shows the perils of fame in the age of social media
    Young Magician of the Year 2015: Meet the schoolgirl from Newcastle who has her heart set on being the competition's first female winner

    Spells like teen spirit

    A 16-year-old from Newcastle has set her heart on being the first female to win Young Magician of the Year. Jonathan Owen meets her
    Jonathan Anderson: If fashion is a cycle, this young man knows just how to ride it

    If fashion is a cycle, this young man knows just how to ride it

    British designer Jonathan Anderson is putting his stamp on venerable house Loewe
    Number plates scheme could provide a licence to offend in the land of the free

    Licence to offend in the land of the free

    Cash-strapped states have hit on a way of making money out of drivers that may be in collision with the First Amendment, says Rupert Cornwell
    From farm to fork: Meet the Cornish fishermen, vegetable-growers and butchers causing a stir in London's top restaurants

    From farm to fork in Cornwall

    One man is bringing together Cornwall's most accomplished growers, fishermen and butchers with London's best chefs to put the finest, freshest produce on the plates of some of the country’s best restaurants
    Robert Parker interview: The world's top wine critic on tasting 10,000 bottles a year, absurd drinking notes and New World wannabes

    Robert Parker interview

    The world's top wine critic on tasting 10,000 bottles a year, absurd drinking notes and New World wannabes
    Don't believe the stereotype - or should you?

    Don't believe the stereotype - or should you?

    We exaggerate regional traits and turn them into jokes - and those on the receiving end are in on it too, says DJ Taylor