Intact Insurance Horror - HELP!
I got a good deal, $98.00/m. I have no tickets, no accidents, no suspensions and a great credit rating. I also pay my bills on time.
I get my temporary slip via email on the same day. The slip is good for a month.
On 08/08/2019 I get a registered letter telling me my policy will be cancelled unless I make a full payment by 09/09/2019.
A few days later, my full policy arrives with the noted billing date of 07/30/2019. Great. I don't even have the policy for a month and I'm already behind.
Since I didn't know my billing date, the funds were taken out of my chequing account when I didn't have enough.
I then go out of town for a week, then promptly have a heart attack and I'm in hospital for another week.
On 08/29/2019 I call Intact insurance and inquire about the balance owing. I was told the balance but they direct me to pay online using my account.
I made a payment on my credit card. Set it and forget it.
Finally....this past week I noticed my chequing account was not getting charged for insurance. I call Intact. My account was cancelled due to non payment on 09/09/2019.
I look up my credit card statement, payment made on 08/29/2019, payment posted on 08/30/2019.
I call Intact back. The confirmed balance owing is $0.00. They confirmed the payment posted on 08/30/2019. They confirmed the payment was received before 09/09/2019. They confirmed my policy was cancelled due to non payment.
I asked how I could be cancelled for non payment if I made my payment, it was on time, and nothing was outstanding.
They said there is nothing they can do.
I tried to get a new policy with another company and my premiums are now $170/m because I have a "cancelled policy due to non payment" on file and I am now "high risk".
Anyone else had this happen to them? Any way I can fight this?
Any advice would be appreciated.