PLEASE SOMEONE HELP.....i have been a FOOL!

swirlykat

Hi all,
I am new on here and as a last resort hoping someone can help!!?
I am pretty sure that there is nothing I can do but you never know... Only realised TODAY that for the past year my husbands car has been insured with 2 different insurers! Our previous insurer so it would seem insured automatically online, we recieved nothing in the post and no certificate etc. We found cheaper insurance with tesco so switched to them (or so we thought) Tesco have now sent us (in the post) the usual renewal paperwork etc. I have looked back through bank statements and realised that our old provider has been taking monthly payments for the last 11 months also.

Trailing through emails tonight from 2011 the previous insurer did send us one email to say that our renewal was due, and another to say that our renewal was done and we were now insured from 2011-2012, these emails were sent at a time when I was 8 months pregnant and we were having major works on our home which resulted us in moving out for 2 weeks! I am usually totally on the ball with this stuff but for the life of me CANNOT remember if we rang them to cancel the renewal or not, however we recieved nothing in the post to confirm or accept the new direct debit amount, it has all now been found in an email! My husband then logged into the online account and was told to open an attachment which low and behold had the certificate and DD mandate form on.
Just wondered, do I have a leg to stand on? I know its my own stupid fault for not even realising that the direct debit was still coming out of the bank but can they renew automaticallt ONLINE???
As it is now renewal time again My husband logged in the account again and there were 2 options 'RENEW NOW' or 'DONT RENEW' surely we would have had to click 'renew' last year..which we definatley did not do, why else would we get insurance from someone else if we thought we were insured!

Pleeaseee any help offered very much appreciated! So angry with myself right now!

dacouch

Send them a copy of your alternative Insurance eg a photocopy of the certificate, explain the mistake and ask them to refund.

They may take an admin fee out of the refund

McKneff

Good advice from DaCouch there, you should be okay, the admin fee could be £50 or so.

rs65

swirlykat wrote: »

Our previous insurer so it would seem insured automatically online, we received nothing in the post and no certificate etc. We found cheaper insurance with tesco

You obviously received something since you knew Tesco was cheaper.

As has been said, you should get something back.

swirlykat

Thanks all, yes we got an email to say that the renewal was due and had gone up from the previous year, so yes we switched to tesco!
Have written a letter and will go from there!