I thought I should let other bikers know about Swinton Bike
insurance and their cancellation policy.
If you agree to take the policy out then change your mind
you will be charged £50 cancellation fee. According to their contract there is
a "cooling off" period but the £50 admin fee still applies.
I agreed to take out the insurance, on the 3rd
Feb, to start on the 28th Feb. I was then told not to ride
due to a medical reasons for at least another 4 months till
after an op.
I phoned to cancel the policy over 2 weeks before it was due
to start and was told I would still have to pay the £50, if I didn't then they
would take it from my debit card that I used to pay a deposit with. Apparently
if you give a company you debit card details they can take money off it as and
when they need/want to.
If the money could not be collected then a further £25 admin
fee would be added and then the debt would be passed to a debt recovery agency.
I rang the number they gave me 4 times over 3 days at
different times and nobody was there to answer my call.
I hope this does not happen to anyone else. If it has and
enough people stop using them then they may change their policy.