Ended up with 2 different insurances for the same car

sann420

Hi All,

Last year I was with insurance company A for my car insurance.

This year I got a better quote from insurance company B and moved to them in April.

Company A automatically renewed my insurance as I forgot to give them any cancellation notice.

So since April I have been paying for 2 insurances for the same car. Now after looking at my bank statements just found out about the situation.

I contacted Company A who have cancelled the insurace and want me to pay £60 cancellation fee and are not willing to return any money I paid since April.

Is there any chance I could get my money back for double payments and avoid the cancellation charge?

Many Thanks,

jonesMUFCforever

No - why should they ?

paddyandstumpy

Yes, you should be entitled to a refund for the period of dual cover.
Send company A a copy of the alternative insurance and ask them to backdate the cancellation. I expect they will still charge a cancellation fee, and they would be within their rights to do so.

Kim_13

Did you agree to an autorenewing policy when you took out cover with company A? If not, you'd have a stronger case for avoiding the cancellation charge (especially if you can prove it.)

FutureGirl

Forgetting to give them cancellation notice isn't going to warrant them waiving the cancellation charges. The insurer would only do this if they had made an error, but in this instance it looks like your error rather than theirs.

The insurer doesn't have to give you a refund for the past 8 months that you've used the policy. Some do, but they don't have to.

sann420

Thank you very much for every ones replies. Much appreciated.

I will probably cough up the £60 cancellation fee, curse my luck and move on soon

sann420

Sorry about reviving an old thread but just doing a quick update incase it helps some one else:

Basically I chased my insurance company 1 and told them that I had taken another car insurance and was kinda assuming that the insurance with them would be cancelled automatically.

They asked me proof of my car insurance 2 which I sent them as screen shots in email and about a month later got my overpayments back from car insurance 1. Tada. Car insurance 1 was Sheilas Wheels. Yes I am a man but they were the cheapest . Just giving them the props for being honest.

Moral of the story: You don't ask, you don't get