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    • simonsheffield
    • By simonsheffield 20th Mar 17, 11:24 AM
    • 3Posts
    • 0Thanks
    1st Central Car Insurance Cancelation Cost Complaint Process
    • #1
    • 20th Mar 17, 11:24 AM
    1st Central Car Insurance Cancelation Cost Complaint Process 20th Mar 17 at 11:24 AM
    I have been with 1st Central since 2013 and have gone with the auto-renewals for convenience without being stung.

    But looking at my bank statement on-line the other day I noted the direct debit had increased by 300% from £36 per month to £109 per month.

    Worse still the cancellation costs are very significant:

    £50 non refundable arrangement fee
    £90 non refundable anciliaries (insurance add-ons that I cant remember)
    £50 cancellation fee

    I do get a small pro-rata refund of £45 but the cancellation would still cost me approx £150.

    Alas I just missed the cooling off period free cancellation by 3 days - having been insured for 17 days.

    I have raised a complaint and not paid the above - was this a good move? Or should I just suck this one up and put it down to experience?

    Note, on the on-line portal my status is "unsigned Credit Agreement" so I have not agreed to the terms and conditions of the Credit Agreement.


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    • takman
    • By takman 20th Mar 17, 11:50 AM
    • 3,155 Posts
    • 2,750 Thanks
    • #2
    • 20th Mar 17, 11:50 AM
    • #2
    • 20th Mar 17, 11:50 AM
    They will have sent you a renewal letter/email a few weeks before the policy renewed stating the increased charges plus they have given you a futher 14 days after it renewed to cancel for "free". You had plenty of time to cancel so you have little basis for a complaint.
    Also considering this is a renewal and not a new policy you have already agreed to the terms and conditions and you dont need to agree to new ones.
    • csgohan4
    • By csgohan4 20th Mar 17, 1:48 PM
    • 4,330 Posts
    • 2,707 Thanks
    • #3
    • 20th Mar 17, 1:48 PM
    • #3
    • 20th Mar 17, 1:48 PM
    Stopping the payment risks further charges in your T+C. Always check the renewal prices and never auto renew for anything.

    Take it as an expensive lesson
    "It is prudent when shopping for something important, not to limit yourself to Pound land"
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