L&G pet insurance

GraceDalton

Please advise!
I'm young and stupid, and have no experience of buying insurance (or of financial matters generally).
I took out pet insurance with Legal and General several months ago, since the MSE weekly email mentioned that they were offering £45 Amazon credit. This (Amazon gift cards) arrived at the weekend, and I cancelled the direct debit from my bank account online (3 payments have been taken for the insurance policy, costing me just under £19 in total). Today I also called L&G to cancel. I was told that the policy defiunitely had been cancelled, but that there was a £30 "administration fee". Apparently this was stated in the Ts&Cs - but I'd not read these (because I'm daft/ have better things to do with my time and had no idea that such a thing was possible, having no experience of buying insurance).
What should I do?
Obviously I want to just ignore this ("admin fee") - but if I simply don't make the payment, do I risk being charged even more eventually. Will L&G take legal action against me?
Any help would be MASSIVELY appreciated!
Thankyou so much for reading

tomtontom

Pay up or risk getting a CCJ against you, and more costs on top. Next time read the terms and conditions before buying. Hope that helps!

(And there's no need to post the same question on three different boards.)

wealdroam

I would suggest you pay the £30.00.

After that you will only be £4.00 down. Consider that a cheap price for the lesson learned.

Worth £4.00 just to avoid the hassle of debt collectors, black marks against your creditworthiness, etc... even if they don't take you to court.

P.s. don't forget to use the Amazon voucher.

Robin9

Don't take up offers because of the apparent perks - buy insurance for your pet if it needs it.

shaun_from_Africa

I know that insurance companies can access a shared database to check up on the claims history of people applying for insurance but I don't know if there is something similar for people that owe money.


If there is, is it really worth the risk of being entered onto this database which could lead to possible problems getting insured in the future for the sake of £30 that you know that you are liable for?

wealdroam

Robin9 wrote: »

Don't take up offers because of the apparent perks - buy insurance for your pet if it needs it.

Do we even know if the OP has a pet?

My guess is that the £45 voucher was too good to turn down.

GraceDalton

Yes, I have the pet that I described in the policy.

Geodark

So was the only reason you took out the policy to get the freebie and then you intended to cancel?