Auto Car Insurance Renewal

samusamus

Hi there,

I've contacted by a debt collection company to recover £91 for Admiral Insurance.
A couple of months ago I stopped a direct debit coming out of my account that I didn't recognise and couldn't pin to a specific company.
It seems that Admiral auto-renewed the insurance for a car that I no longer own and was sending letters to a house I no longer live at, so I was unaware what they were doing.

Anyone where I stand on this?

sam.

InsideInsurance

Contact them and give them the details of when you called to cancel the policy at the point of selling the car.

roonaldo

samusamus wrote: »

Hi there,

I've contacted by a debt collection company to recover £91 for Admiral Insurance.
A couple of months ago I stopped a direct debit coming out of my account that I didn't recognise and couldn't pin to a specific company.

But when you knowingly had the policy surely you knew you what it was then? but now you dont. Cancelling the direct debit doesnt cancel the policy only the means of payment, now you owe them £91.

It seems that Admiral auto-renewed the insurance

This is common, they would have sent out a renewal.

for a car that I no longer own and was sending letters to a house I no longer live at,

It's your responsibility to tell them you have moved and that you no longer have the vehicle, how will they know otherwise?

Anyone where I stand on this?

You dont stand anywhere, you have failed to inform them of the changes which you are obliged to do and this is where the problems started. Admiral havent done anything wrong, they dont have crystal balls and can pin point your new address or you sold the car. This is all your fault, sorry.

nobbysn*ts

Don't own the car, no insurable interest. Inform Admiral you will be complaining to the FOS if they don't call off the debt collectors.

roonaldo

nobbysn*ts wrote: »

Don't own the car, no insurable interest. Inform Admiral you will be complaining to the FOS if they don't call off the debt collectors.

FOS will only side with the insurer as its the OP's fault.

Buzby

You might want to check your credit file as if you paid monthly they may have defaulted you and cancelled the policy. This means you must answer YES when asked 'has an insurer ever cancelled of revoked a policy?' for any subsequent policy, or then get you for non-disclosure and invalidate the new policy.

You needed to cancel - they tell you at the start they auto renew so the responsibility remains yours.