An error in my favour?

Saucepot

A month ago I bought bike insurance for a new motorbike. Unable to give them a registration number as the bike was unregistered but needing a cover note to tax the bike, I phoned them with a chassis number, rather than complete the online form.

They agreed the internet price, tried to flog me extras, but I completed the order and paid with my credit card. A sum less than a third was debited from my card and the cover note only valid for a month.

I phoned to query and was assured by the insurer that I was not on an instalment plan and they had debited me the full amount. I phoned my card issuer and was assured the sum on the card was exactly what the insurance company had requested. I assumed maybe that they took the payment in 2 stages in case I never gave them the reg plate. However why do this? Why not take the full amount? If I invalidate the insurance by not telling them information they require it’s my own fault?

When I phoned them up with the registration number, they wanted to charge me extra to change the policy. I asked them to waive the fee as it was a new policy and could only be set up in this manner. They had accepted this when the policy was started. She waived the fee and I have received my insurance documents for the year. However no additional sum to make it up to the full amount has been debited, weeks after the documents have come.

If I was short changed in a shop I would query it and am honest enough to tell a shop assistant if given too much change.

I have been undercharged, queried it and told nothing is amiss. Do I accept an error has put me about £80 up, or continue to query this? The first time they insisted I’d paid them. The card issuer said there’d been no mistake?

The_doomed

depends what you 'agreed' with them. you may very well get away with not paying full amount, but could end up fuked if you have a claim and they notice.



ahh.... just risk it

Call_Centre_Monkey

Do you have any documentation stating the reduced price? The merchant could easily just put through the rest of the amount in a few months (which they may do if they're doing the books and discover an error), and you would be expected to pay it.

Saucepot

No, the price has not been reduced. When I queried it they informing they had taken the full larger amount. When I said they hadn't, the guy suggested I talk to my card issuer. I phoned the card company and obviously such queries are considered important as they put me through to the boss. The boss got it checked out and said there'd been no mistake.

You're right, I might get stung for it later, I would have no problem paying the full amount. I agreed to it!

I'm just perplexed as to what degree and honest man continues to query an error in his favour or gives up and raises a glass that maybe just for once, I win a quid!