RAC. cancellation?

mafooouk_2

Hi, got myself a problem with paying twice for something!

In december last year i signed up to rac for basic (not homestart or the one where they take u home) cover (£11something a month), with a 12 month contract. 6 months later, my car insurance is due, they are offering aa full cover for £60 extra, so £60 less for the year, and better cover.

But im tied into the rac, if i turn down tha aa cover with the insurance, then in 6 months time, ill need to get re-covered, and to be honest, i'd prefer full cover now, so either i pay rac even more, or i pay for both

Unless i cancel the direct debit for the rac at the bank... if i do this, with 6 months left on the contract, whats going to happen?

Thanks

Matthew

dogbot

If you cancel the direct debit you will still owe the money, the direct debit is a separate credit agreement. You could then get into a situation where you have people sending letters demanding money. You need to contact RAC directly and cancel with them first. They should cancel the DD or at least stop taking money. Once everything you owe is paid up and a few weeks have passed just to make sure, you could delete the direct debit from your account just to be on the safe side.

They may require a little more payment for cover up to a certain date in the month or for cover already received or/and a cancelation fee, but you would need to weigh this up against the extra cost of paying for the two covers.

shelly

maf, do you shop at Tesco? I am asking because you can get RAC cover by using your vouchers for deals. We got a much better package from RAC than what we used to have with Greenflag by using £30 odd of vouchers because they quadruple the value of the voucher.
Our RAC cover should have cost over £120 but we only had to use £30 odd of vouchers.

mafooouk_2

Thanks for the info dogbot, ill call, but i'd rather pay monthly than one lump sum if im completely tied in, and paying for the aa aswell so i get the cover i need, at £60 ontop of my insurance, which is less than half year with rac basic..but if they are willing to cancel ill let them

Shelly, ill be getting full AA for £60.. so wouldnt want to squander £120 of deals, i have £300, but thats for a bit hol im saving for (its brilliant, paying council tax earns me points, paying tax = money off a hol )

Quentin

dogbot wrote: »

They may require a little more payment for cover up to a certain date in the month or for cover already received or/and a cancelation fee, but you would need to weigh this up against the extra cost of paying for the two covers.

This isn't quite right.

You buy 12 months at a time. Although you can cancel your membership, there is no refund payable.

So you will still have to pay up for the whole year.

They did use to allow you to suspend your membership so you could have a credit towards future membership, but if this is still available, there is no way round paying for the whole year.

As previously advised, don't just cancel your dd. Contact them and see if you can do the membership suspension.