Do i have to pay £55 premium to Norwich Union ? Insurance was not renewed with them.

Mandles

My car insurance ended on the 10th april and i cancelled dd after the last payment on that years policy as the renewal was rediculous price. I cancelled 7 days after the policy ended. They now say that i owe £55 premium but i cant see how i owe that as i did not sign anything to renew it . Also they had no first payment so again did i need to pay them this £55. I have never heard of this before as i never agreed to another years policy with them.

Do i have to pay it or are they trying it on?

dunstonh

i cant see how i owe that as i did not sign anything to renew it

Did you cancel the plan with them? If not, it auto-renews.

Also they had no first payment so again did i need to pay them this £55.

Assuming you didnt cancel and it auto renewed, then yes you are legally still on cover with them up to the point you do cancel with them. That means you will ower them money for that short period and pay a cancellation charge as well.

I have never heard of this before as i never agreed to another years policy with them.

Again, making assumption this was your problem, most companies will auto renew nowadays.

Do i have to pay it or are they trying it on?

If you check the NU renewal letter it will tell you what you needed to do to cancel the policy or not renew it. It wont be hidden away but will be part of the main letter (not leaflets or other rubbish they send out). If you did what it says in that letter then you shouldnt have to pay. If you didnt do what it says in that letter then you do.

mluton

As you cancelled after the policy re started, I assume they are charging you and admin fee or cancellation fee.

If you had cancelled prior to the date, to end on the 10th then no charges would have been brought against you.

The problem / good thing (maybe) nowadays is that insurance companies continue your policy automatically after it expires, so in theory you are entering a new policy without say, but this is in there small print T & C's to cover them.

EDIT: As above, god your quick, beat me to it.

Mandles

I wonder if they would be so quick to accept a claim in that 7 day period!

Thank you. Gutter but i suppose i will have to pay up.

tartanterra

I had the same problem, when I let my insurance lapse. I was out of the country and, of course, didn't get to see the renewal letter, after I had cancelled my DD. When they instructed me they were going to charge me for this, I explained my circumstances - Armed Forces on operations - and they cancelled the charges as a "goodwill gesture".

Have you tried claiming that you never recieved the renewal letter?

dacouch

If your new Insurance runs concurrently from the last policy then send NU a copy of the new certificate and they will normally waive the charge

Coveredinbees!!!!

I thought you had 10 days to cancel an insurance policy at least that's what I was told when I took out a policy for a bike I hadn't bought yet.

dunstonh

Coveredinbees!!!! wrote: »

I thought you had 10 days to cancel an insurance policy at least that's what I was told when I took out a policy for a bike I hadn't bought yet.

There is no cancellation period on renewals.

pedro123456

"I wonder if they would be so quick to accept a claim in that 7 day period!

No they wouln't mate, Insurance companies aint charites, because charites aint allowed to make their own rules up, neither do they wear masks........

IMO.............bandits the lot of um.

Pete

Gordon861

Did they send you a new set of documents once your old policy ran out?
If not, they didn't auto-renew.

Look at the renewal letter they sent you, does it state that they will auto renew if they hear nothing from you?

I always tell my insurance company that I require notice when my insurance runs out and that they are not to auto-renew without instructions from me.

lisyloo

There is no cancellation period on renewals.

Can I be so bold as to query this.
I've been looking on the net and it says a renewal is a new 12 month contract and the cooling off period applies.
Perhaps the law is complication in this area and I've misunderstood