Is my car insured?

lyniced

Got my renewal letter and docs from Bell a few weeks ago. Shopped around but found their quote was comparable, so have stayed with them. Letter stated that I need do nothing, as payment will be taken from the credit card I used last year. Policy started today, and for some reason I decided to read letter again. The creditcard I used last year had an expiry date of 11/11. The number is correct (or last 4 digits shown) but as its been renewed the expiry date is different. I haven't heard anything from Bell, so I assume it's ok, but panic has started to set in. I have the insurance doc (sent with the letter) but am I insured?

Oh btw just tried to ring them, but they are closed til Monday.

clear_blu

Try askmid in google they will tell you if they show you as insured.

lyniced

clear_blu wrote: »

Try askmid in google they will tell you if they show you as insured.

Thanks for that - checked and it says insured! Phew!

scottishblondie

They may contact you for new card details to take the premium. This has happened to me with Diamond before (same company as Bell).

Buzby

If they took payment before and the main card number has not changed, they do not need the new expiry date (as you have an existing relationship with them). Only if the main number changed would the payment fail.

chanz4

check your card statement online

forgotmyname

Is it not a good idea to phone them? Or would you prefer to get stopped for no insurance and have the car impounded because they couldnt take payment and cancelled it?

Just read all the posts where people have had their insurance cancelled for failed payments.

Is it worth the risk???

lyniced

forgotmyname wrote: »

Is it not a good idea to phone them? Or would you prefer to get stopped for no insurance and have the car impounded because they couldnt take payment and cancelled it?

Just read all the posts where people have had their insurance cancelled for failed payments.

Is it worth the risk???

Well I did manage to get through to them today and the payment hasn't been taken (because it's a weekend) but I am insured. I have updated the expiry date, but it would have been ok, as the number is the same. The payment will be taken this week. The odd thing is that the AskMID insurance database says that the car is now not insured. I queried this and was told that it can take up to a week from new insurance to show on the database.

forgotmyname

I had the same issue either this year or last year and the threads on here about insurers cancelling polices with no notice, Even though it was their fault sticks.

I phoned them to see why they had not taken payment and they didnt know why, Still took them 5 days to take it.

Years ago i would have been happy, I have my certificate so im covered.

But these days with the MID etc its too risky to ignore it.

InsideInsurance

Under continuous payment authority the expiry date isnt checked on the 2nd and subsequent payments.

In addition to this Mastercard and Visa operate a "card updater" service which a merchant with a CPA can (or more accurately should) use to check if the number is still valid and if it isnt if a new number is held for you. That said 3 years ago when I was last dealing with card payments the uptake of the service was exceptionally low and there had been teething problems

Smi1er

lyniced wrote: »

Thanks for that - checked and it says insured! Phew!

I It won't be updated that quick.

I hope you called them today to confirm everything.