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  • FIRST POST
    • gwowders
    • By gwowders 3rd Oct 17, 4:25 PM
    • 11Posts
    • 0Thanks
    gwowders
    Automatic car insurance renewal - Elephant
    • #1
    • 3rd Oct 17, 4:25 PM
    Automatic car insurance renewal - Elephant 3rd Oct 17 at 4:25 PM
    My car insurance with Elephant seems to have been automatically renewed without them sending me any confirmation that it was about to happen.

    Admittedly I hadn't checked when the policy was due to expire and renew - I usually rely on the insurers reminder notes to prompt me to start shopping for cheap deals again...

    Annoyingly I am now outside of my cool off period... is there anything that I can do?

    It wouldn't be so bad if the new price wasn't over £120 more expensive than last years!!!

    Does it make a difference that its a finance deal (I pay by DD) ???

    Thanks in advance!

    Ben
Page 1
    • Ebe Scrooge
    • By Ebe Scrooge 3rd Oct 17, 4:35 PM
    • 4,010 Posts
    • 3,432 Thanks
    Ebe Scrooge
    • #2
    • 3rd Oct 17, 4:35 PM
    • #2
    • 3rd Oct 17, 4:35 PM
    I'm surprised you didn't receive a reminder - have you checked your email ( and possibly spam folder ), if you didn't receive anything through the old-fashioned letter-box ?


    The majority of insurers these days will auto-renew unless you call them to cancel - it will have been in the small print when you first took out the policy. It does at least prevent you "accidentally" finding yourself uninsured and facing a large fine. But you're right - the premium invariably rockets for second and subsequent years, loyalty counts for nothing. Always shop around every year.


    If you're outside of the cooling-off period then all you can do is cancel the policy and take out a new one elsewhere. But you're likely to be hit with cancellation and admin charges which may wipe out any savings you can make
    I may not know much about art, but I know what I like.
    • Rainbowgirl84
    • By Rainbowgirl84 3rd Oct 17, 4:37 PM
    • 496 Posts
    • 857 Thanks
    Rainbowgirl84
    • #3
    • 3rd Oct 17, 4:37 PM
    • #3
    • 3rd Oct 17, 4:37 PM
    My car insurance with Elephant seems to have been automatically renewed without them sending me any confirmation that it was about to happen.

    Admittedly I hadn't checked when the policy was due to expire and renew - I usually rely on the insurers reminder notes to prompt me to start shopping for cheap deals again...

    Annoyingly I am now outside of my cool off period... is there anything that I can do?

    It wouldn't be so bad if the new price wasn't over £120 more expensive than last years!!!

    Does it make a difference that its a finance deal (I pay by DD) ???

    Thanks in advance!

    Ben
    Originally posted by gwowders
    So you would have been driving uninsured if it hadn't auto renewed?
    • gwowders
    • By gwowders 3rd Oct 17, 4:39 PM
    • 11 Posts
    • 0 Thanks
    gwowders
    • #4
    • 3rd Oct 17, 4:39 PM
    • #4
    • 3rd Oct 17, 4:39 PM
    Nope - had they told me that they were about to auto-renew I would have shopped around.

    Auto-renewal is great, but surely I have to be told that my premium is about to increase?!
    • Rainbowgirl84
    • By Rainbowgirl84 3rd Oct 17, 4:57 PM
    • 496 Posts
    • 857 Thanks
    Rainbowgirl84
    • #5
    • 3rd Oct 17, 4:57 PM
    • #5
    • 3rd Oct 17, 4:57 PM
    Nope - had they told me that they were about to auto-renew I would have shopped around.

    Auto-renewal is great, but surely I have to be told that my premium is about to increase?!
    Originally posted by gwowders


    Post goes missing in the Royal Mail system on a daily basis. Just because you didn't recieve a letter doesn't mean it wasn't sent. I fail to see how you would be insured if it hadn't autorenewed as you had failed to remember it was due for renewal.
    • gwowders
    • By gwowders 3rd Oct 17, 5:10 PM
    • 11 Posts
    • 0 Thanks
    gwowders
    • #6
    • 3rd Oct 17, 5:10 PM
    • #6
    • 3rd Oct 17, 5:10 PM
    Again, auto-renewal is fine but surely I have to be told that my premium is about to increase?

    To not be told that the thing you were paying X for last year will now cost you X+25% is surely a little off?

    Anyway, looks like there isn't a great deal that can be done about it so it is what it is...
    • Ebe Scrooge
    • By Ebe Scrooge 3rd Oct 17, 5:23 PM
    • 4,010 Posts
    • 3,432 Thanks
    Ebe Scrooge
    • #7
    • 3rd Oct 17, 5:23 PM
    • #7
    • 3rd Oct 17, 5:23 PM
    Again, auto-renewal is fine but surely I have to be told that my premium is about to increase?

    To not be told that the thing you were paying X for last year will now cost you X+25% is surely a little off?

    .
    Originally posted by gwowders
    You will have been told - maybe you threw out the envelope that came through the letter box, thinking it was junk mail ( an easy mistake to make ! ). Maybe they emailed you and it hit your junk folder. Maybe the postman lost the letter.

    To avoid this in the future, make a note in your diary for a couple of weeks before it expires next year, then you'll have plenty of time to shop around.

    As others have said - if you're relying on a reminder from them, and they didn't auto-renew, then you potentially would have been driving uninsured. And that would have cost you a heck of a lot more than £120.
    I may not know much about art, but I know what I like.
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