Car Insurance Issue

BoGoF

So if it was a direct debit and you had plenty funds you should investigate further - did they have a refused direct debit ?

quirkygord69

They said it was because the card itself had expired. In all honesty do you guys reckon its just worth coughing up the amount and stop whinging about it? lol

BoGoF

I'm still confused to be honest. If it was a direct debit and the account number and sort code haven't changed then the fact your card expired is totall irrelevant. It sounds like it was a recurring debit card payment and then, unfortunately, it is your fault. If it was me I'd explain to them and apologise and ask if the fee can be waived. If it can't then I'd be taking mu business elsewhere.

lisyloo

HUH?? Why would I have to say I've had insurance refused?

Sorry I should have ued the word "cancelled" and not refused.
But I think the effect is the same.

If you re-instate it then I'm not sure whether you still count as having had it cancelled.
Might be worth checking because this is potentially a BIG DEAL for EVER.
If re-instatement gets you out of this situation (I'm not sure) then I would pay the fee, however much it is.

DCFC79

Isnt the onus on the customer to advise anyone who has policies or subscriptions to amend the card details used as they dont know the card details has changed

steady__eddie

I was looking for some info to try and get myself out of an hole which I have apparently dug myself into today and came across this post.
12 months ago when I received my renewal notice, I saw that they were implimenting this auto renewal thingy but I decided to opt out on the grounds that if I considered a quote in years to come to be excessive, I would go elsewhere and then forget to tell my current insurer that I did not want their insurance and end up paying twice.
My insurance expired roundabout midnight yesterday (31st May), three or four weeks ago I received my renewal notice and thought that a 23% increase was a tad excessive given that my circumstances had not changed and I hadn't made a claim so I shopped around. Unfortunately, I could not find another company who could offer a more competitive quote so with some reluctance, so I accepted thier offer and returned my acceptance letter containing details of my credit card in the business reply envelope which they had supplied.
Today, I received a letter from them which said that they were sorry that I was not renewing my policy with them. I rang the helpline number and it would appear that they had not received my acceptance letter but all was not lost because they could arrange immediate cover. However, the downside was that I would be treated as a new customer and a new quote as of today would be applicable which could be lower, the same as or higher than the quote that I had been given three weeks ago. By s0ds law it was the latter, by just under 6 quid. I argued the case that I had accepted thier initial offer but because this acceptance had not been effectively communicated, it was a one horse race.
They also said that my insurance had been CANCELLED. The only thing that I cancelled was this automatic renewal payment, could anyone tell me if there are likely to be any detrimental long term implications of this for me please ?

lisyloo

They also said that my insurance had been CANCELLED

By whom?
This is important.
If you cancel that's fine.
If an insurer cancels your insurance, that's not fine.

stator

Why are they saying it was cancelled? From the rest of your post it sounds like it expired.

steady__eddie

I asked them who had cancelled my insurance and the reply was that she was unable to tell from the screen because the system would not let her. During the course of the conversation I pressed this point a couple of more times and received the same reply. I pointed out that it certainly was not me, the only thing that I had cancelled was my permission to automatically mug my credit card at the point of renewal.
Eventually, she agreed that my points could only be answered by a supervisor. It was at this time that I realised that I really had to return to work before I landed myself in more hot water so I insisted that they ring me back with answers after I returned from work. (My PAYG would not have survived the burden of listening to the entire works of Vivaldi again).
The only information that I could obtain from the return call was that my new quote was in the region of six pounds more expensive than the original one
Perhaps I should express my concerns in writing ?

Quentin

steady__eddie wrote: »

They also said that my insurance had been CANCELLED. The only thing that I cancelled was this automatic renewal payment, could anyone tell me if there are likely to be any detrimental long term implications of this for me please ?

The CS agent has used the word "cancelled", but in fact your policy just "lapsed". (As far as the insurer was concerned, you had cancelled the auto renewal, then didn't renew).

This has no long term implications for you.