I had a shitty white Kia Rio that I wrote off in a snowstorm. I borrowed my dad's car to drive while I looked for a replacement I could afford, and after a few weeks my insurance said 'we paid you the coverage. If you don't put a new car on your policy, we'll cancel it.' ok, fine. I put my old junker (car before the Rio) on it - wasn't even road worthy, but I had accident forgiveness on this policy and if I had to start over I'd get higher premiums.

I found a car a week later. Called the broker to switch the policy.

'we can't remove this car from the policy unless we contact your bank first '

What.

They claimed because I had bought my Rio with a bank loan that they couldn't remove my junker without permission from the bank.

I argued with this person politely for 10 minutes, pointing out that I'd paid the car off 2 years prior. They said 'well I'll need to check with the underwriter then.' fine. I get a call back 30m later, same person. 'no, we need permission from the bank according to the underwriter.'

This pissed me off because I knew I was being lied to. "Now I know you're lying to me. I have the cheque from the underwriter cashed in my account. They would not have issued it to me if there was any issue with the bank. I am not a customer of that bank, have not been for 2 years."

'well sir, I need to confirm that with the bank'

"If you contact the bank in reference to me in any way, shape, or form, I will sue you for breach of privacy and file complaints with every government office that I can. DO NOT CALL THE BANK. SWITCH IN THE NEW CAR."

They refused. I called back 2 hours later, got someone else. Told them I needed the new car switched in.

They did it, and a week later I filed a written complaint to the broker about the other rep, firmly underscoring the lying.

No idea if it was related or not, but the branch got downsized away less than a year later.

Anyway, fuck insurance companies.