Barely a month after this publication highlighted complaints against Trident Insurance over delayed claim settlements, new allegations have emerged pointing to even more serious lapses in how the company handles client policies and communicates with its customers.
In this latest case, a policyholder recently discovered during a routine traffic stop that his motor insurance cover had been canceled more than seven months ago.
Despite holding what appeared to be a valid insurance certificate, he learned only that day that he had unknowingly been driving without valid insurance cover for over half a year.
Upon visiting Trident Insurance’s offices in Upper Hill, he was informed that his policy had been discontinued due to an outstanding balance but at no point did the insurer issue any warning, notification, or correspondence to alert him to this balance or to the impending cancellation.
This troubling development compounds already growing concerns about Trident Insurance’s internal controls and client‑management practices, while also raising fundamental questions about how a licensed insurer could allow a customer to remain unaware of such a critical change to their cover, particularly when driving uninsured carries both personal financial risks and serious legal consequences.
The situation follows closely on the heels of a separate case reported by this platform in November 2024, where a taxi driver’s vehicle remained grounded in a garage months after Trident Insurance authorized repairs but failed to release payment.
In that instance, the insurer had assured the client that the vehicle would be ready within twelve days of approval, but delays persisted for months with no resolution, leaving the client unable to earn a living or meet financial obligations.
The emergence of this second complaint suggests that Trident Insurance is not simply be suffering from isolated administrative mistakes.
Instead, these cases indicate a broader pattern of operational dysfunction, marked by a lack of transparency, poor communication with clients, and apparent disregard for timelines or contractual obligations.
Reviews and informal reports from other customers reinforce these concerns, citing abrupt policy cancellations, unpaid claims, and even medical cover terminations without prior notice.
There is now a strong case for deeper investigation from the Insurance Regulatory Authority (IRA) to determine whether Trident Insurance is compliant with industry standards and consumer‑protection requirements.
Without intervention, more clients may unknowingly be exposed to financial risk, legal liability, and loss of confidence in the insurance industry as a whole.
Below is what one affected client recently recounted to this publication, illustrating the depth of the problems now emerging at Trident Insurance.
“Hey Cyprian. Just wanted to highlight something insane that happened to me yesterday with Trident Insurance. Turns out they cancelled my cover over 7 months ago, yet they still gave me a valid certificate. I only found out yesterday through a traffic cop that I’ve been driving around uninsured all this time. No call, no email, no SMS, nothing. Checked their reviews and I’m honestly not surprised now. People complaining about canceled policies, unpaid claims, medical covers getting dropped without warning. It’s wild. Might be something worth exposing. We trust these companies with our lives and they can’t even communicate basic stuff. Let me know if you’d like more details. Thanks. I forgot to mention that when I visited their offices in Upper Hill, I learned that we had a balance of 4,800 and that’s why it was cancelled… they never communicated, they just cancelled and went silent.”
