quote:Originally posted by sandra777

Chris7

Thanks for the info. The agent is still in business I dont know whether it was deliberate or a mix up but at one stage I was even quoted a policy number which turned out to be non existent.

quote:Originally posted by Chris7

Well it happens in the UK too, although I accept that the distance makes things harder. In the UK your choice would depend on whether the agent is still trading. If they've gone bust you can probably kiss the premium goodbye but the the authorities would want to investigate the circumstances as there may have been a fraud (agents are supposed to hold funds which they collect on behalf of others in a client account).

If they are still trading I don't think we have the full picture. From your post, the agent doesn't seem to dispute any of the facts you outline. If it is a mix up, it's a big one, and they should be falling over themselves to give a refund (and thanking the lord that you didn't have a claim whilst off-cover). If it isn't a mix up and the underwriters didn't write the cover because the agent didn't instruct them, then it's fairly sure to be a federal offence!
How did you pay for it....our bank got 3 payments back for us after a company still took the money out our account........it cost $25....but we got back $150.......