RSA Echoice Automatic Renewal.

Alex9066

I've had 12 months with Echoice and it was 12 months of accident free motoring .

I've recently took out a new insurer for my next 12 months of hopefully accident free motoring.

I cancelled my direct debit with and thought that was it with them. Checking my emails recently, I noticed an email from them thanking me for confirming another 12 months of cover of which I've not given any confirmation to anyone.

I've checked my managed direct debits with my bank online and it's saying that Echoice tried to take £126 on the 21st Aug.

Now considering my policy expired on the 16 Aug, I've no idea what they're playing at. Then I read on their policy terms about automatic renewal and that if they send an email to you before the policy expires, explaining your policy is about to finish, it gives them the right to automatically renew it!

Now about cancelling your policy.... It states if you want to cancel your policy within 14 days then to ring a number, to which there's no one there on a Saturday. Now I don't know whether I'll have to pay the £126+ cancellation fee or just the latter.

It really angers me that insurance companies can use this renewal system.What if I didn't have use of my email address anymore or I was on holiday or something.

forgotmyname

You cancelled the direct debit but you didnt cancel the renewal.

Dont give them an email address to contact you, Then they post you the details.

If its online only then you need to make sure you have access to that account for at least the next year. But ideally forever.

The cancellation fee will stand unless you grovel to them.
Do it a soon as possible because they may be adding days on.

It angers you they auto renew, It used to anger people when they never auto renewed and people forgot to renew.
This is more important these days as they impound your car for no insurance.

jonesMUFCforever

Why do people think that cancelling a direct debit absolves them from any reponsibility about policies?

Alex9066

jonesMUFCforever wrote: »

Why do people think that cancelling a direct debit absolves them from any reponsibility about policies?

People would assume that a 12 month contract is a 12 month contract. Your old policy finishes, you go and get a new one somewhere else.

dunstonh

People would assume that a 12 month contract is a 12 month contract. Your old policy finishes, you go and get a new one somewhere else.

These would be the people that dont read their renewal letters then where it tells them what happens next.

jonesMUFCforever

Alex9066 wrote: »

People would assume that a 12 month contract is a 12 month contract. Your old policy finishes, you go and get a new one somewhere else.

Why assume anyything at all when the policy document clearly states that the policy will automatically renew unless the policyholder cancels (in case you end up with no cover)?

vaio

I suppose one solution might be to ask people do they want auto renew as part of the proposal form