Car Insurance Auto renew - Advice Pls

Jodes112

Right thanks all!!

Just wanted to get others opinions on this which i apreciate!!

I am aware i should have known when my insurance was due. But tbh i dont put it on the calender as i normally act on the renewal notice, which never arrived, will be going on the calender from now on!

Also, i agree to an extent regarding over seeing my own bank account. However, i 'knew' exactly what was in and out of the account. It never changes. It is literally used for 5 bills which are the exact same each month. Nothing else. Now on that basis i didnt need to check it. Id not agreed to anything else leaving the account. I did not agree for them to set up a DD from my account. I knew nothing about it.

But, i do see its my responsibility to check both the renewal date and the account.

Still complaining tho!!! )

Jodes112

Ps, u can blame royal mail for not delivering one letter, but two? Renewal docs - lost. Policy docs - lost. I highly doubt that.

I think it had something to do with the swap over of systems from when they swapped from green to kwik fit. The guy mentioned the swap over was around the time of my renewal. I guneuinely believe they havent been printed. Possibly issued by the system as they do. But just not sent. But its proving that, i have no chance really. They say they sent them (according to the system) i say i didnt get them. Its then in the grey area of its royal mails fault.

Jodes112

Ps i genuinely did not get them i would have 100% acted on them

Jodes112

I am going to read up about the dd gtee.

Although i understand from both sides of comments above, as far as kwik fit are aware - they have told me about dd as they sent me docs. Even though i didn not get them and know anything about it, does this still mean that they have done their job right at their end, meaning i cant claim under the dd gtee?

Quentin

Ring your bank and put in a claim because:




1) You have just discovered they resurrected a DD which you considered finished


2) They never informed you of the new schedule of payments they were going to take (or when they were starting to take them)


3) They have never sent you any documentation


(Claiming on the DD guarantee is at no cost to you!)

Jodes112

Thank you quentin, considering it now. Just reading up.

Hasbeen

Does the potential fine etc for not being insured more or less equal the insurance they took out to cover you?

NOVAMET21

Jodes112 wrote: »

Thank you quentin, considering it now. Just reading up.

I don't have an answer to your question as I have never been in that situation as I'm very alert in terms of car insurance renewal specially when the average premium is increasing year on year.


It is rare that the car insurance renewal price will be lower than what you paid in the 1st year. So deffo need to compare it. Even though the annual premium was £650, someone else mentioned already that you would be breaking the law if it wasn't for the insurance company to renew automatically. Yes, they should have sent the renewal letter and whether they did or not it's up to the customer to ring them back and ask them to not renew the policy.

Jodes112

Not sure what the fine is for no insurance.

It was a new car that we added on in July. Had to pay an increase BY CARD as it wasnt on DD. To cover July to October. Forgot about the renewal, didnt get any docs. They set up a dd without my authority.

The new quote was on the new car which was more expensive to cover. I have had quotes today for £221 i have chosen to take a policy for £260 for 12 months. as it included buts and bobs i needed. The kwik fit one is cancelled now

Jodes112

It was something like £420 to pay the kwik fit pol in full today from today to october. & i got one for a full year for £260, go figure.