Home Insurance Company Attempting to Swindle Me

Treeman3

Hi,

I obtained one year’s house insurance from Admiral last year and when it was up for renewal we shopped around and get a better deal. Admiral without my authorisation attempted to take money for the renewal but it was refused by my bank. They have now sent me a bill for £47 for not being able to get the renewal. This is the third time in the last 2 months that a similar situation to this has happened! It appears to me that companies are trying to fraudulently get money from me. The other two I informed I owned them nothing and they dropped the claim. As anyone else had this happening to them? And if so how did you deal with it?

Thanks.

Treman3

stripeyfox

Did you tell them you were cancelling/ending the policy?

Treeman3

It was only a one year policy, so it ended.

lisyloo

If I have Auto renewal policies, I lapse them in time and ask for something in writing/email.
As a minimum I take a name and time and date.

I have never had an issue.

Did you lapse your policy?

Hasbeen

Treeman3 wrote: »

It was only a one year policy, so it ended.

No it did not. And if you think that it might be the cause of your other problems.

You have to tell them you do not require further insurance or it will auto renew as per the conditions you obviously did nor read at the time.

Faith177

Treeman3 wrote: »

It was only a one year policy, so it ended.

Did you read all the paperwork they sent with their price they probably advised in there that you would have to contact them if you did not want to go ahead as per most insurers now

stripeyfox

In my experience, you get the renewal notice which will say your policy is going to be xyz from the renewal date and "if you do nothing, the policy will be automatically renewed".

You must advise them that you are cancelling.

It is probably in the T&C's somewhere

Treeman3

I'll take a look but don't think that was the case.

Treeman3

Hasbeen wrote: »

No it did not. And if you think that it might be the cause of your other problems.

You have to tell them you do not require further insurance or it will auto renew as per the conditions you obviously did nor read at the time.

Your wrong, it was not auto renew "obviously"!

[Deleted User]

It's often some tiny tick box somewhere, ticked by default, very easy to miss.

I'd start a formal complaint with them over it. They will be less inclined to fight for £47 if it is going to cost them.

Hasbeen

Treeman3 wrote: »

Your wrong, it was not auto renew "obviously"!

I may be wrong, but your posts concur it obviously was.

In future read the t&c and the renewal letter.

Then call and inform them you do not wish to renew.