No Insurance...

AdrianC

sonstbbs said:

The whole Covid stituation took over so I wasn't as diligent as maybe I should have been for not noticing the DD had stopped being paid.

Umm, I thought the last payment went out in January?

I shall get back in touch with the Team Leader tomorrow and put the ball in her court as I believe Endsleigh have let me down.

I think you're misunderstanding who your actual insurer is.
Endsleigh are simply the people you bought the policy from. The salesmen, the dealership.
AXA are the insurer.

It's AXA who you need to persuade to accept that they would have covered your son if he'd had an incident. That's kinda the whole bit that the law is concerned about. What if he hadn't bumped into a policeman, but knocked over a kitten carrying a basket of nuns?

Endsleigh have already tried to persuade AXA. AXA have said "Woah, hold on. All we knew was no renewal. No idea that that was your dropped nadger, Endsleigh, or if the business had gone elsewhere. Not our problem." - and I can see their point in that...

Manxman_in_exile

DUTR said:

Mercdriver said:

Direct debits appear on bank statements. don't they, and the OP made mention of DD payment - Direct Debit.  Had a monthly payment been taken on a continuous instruction on a credit card, a change of address would not have stopped the payment.

You asked what the card had to do with anything and hence the answer above, why would they be checking the CC statements if it had a little or nothing to do with it?
However you need not answer, the actual issue affects neither of us, I have my personal view of what may have happened but as said it affects neither of us, I just don't feel the OP is blameless in this. It is what it is now.

I think Mercdriver asked this question because the OP says they were paying by DD, and not by card (if I've understood the OP correctly), so he was wondering why you were going on about a change of card details.  I suppose the OP checked their bank statements and credit card statements for the same reason I would in this circumstance - because I'd be absolutely sure I'd paid and I'd check everything - including CC statements - to try to work out what had happened and to make sure I had not missed anything.

Whilst I agree the OP is not entirely blameless, most of the fault here seems to lie with Endsleigh.  They mistakenly changed the payment method from monthly DD to an annual payment (according to the OP), and this apparently caused it not to renew.

If I were the OP, I'd be going back to the renewal letter from Endsleigh which said something like "we'll use your old card details to auto-renew, let us know if they've changed etc", and I'd be checking it to see whether it also says something like "only monthly payments will renew, not annual ones".  If it doesn't say that I'd be complaining on the grounds that it should do, and if it did, I'd still be complaining on the grounds that Endsleigh changed the payment method from monthly to annually when they shouldn't have done.  (Again, if I understand the OP correctly, they have some communication from Endsleigh were they admit this happened).

Yes - the OP should have checked the continuity of the DD, but it seems to me that the reason this went wrong in the first place was Endsleigh's error.  Can't the OP formally complain to Endsleigh and the FOS?

DUTR - what is your personal view of what actually happened?  It might help others understand.  If you think there's no point in elaborating because it "affects neither of us", then there seems little point in making any posts at all.

DUTR

Manxman_in_exile said:

DUTR said:

Mercdriver said:

Direct debits appear on bank statements. don't they, and the OP made mention of DD payment - Direct Debit.  Had a monthly payment been taken on a continuous instruction on a credit card, a change of address would not have stopped the payment.

You asked what the card had to do with anything and hence the answer above, why would they be checking the CC statements if it had a little or nothing to do with it?
However you need not answer, the actual issue affects neither of us, I have my personal view of what may have happened but as said it affects neither of us, I just don't feel the OP is blameless in this. It is what it is now.

I think Mercdriver asked this question because the OP says they were paying by DD, and not by card (if I've understood the OP correctly), so he was wondering why you were going on about a change of card details.  I suppose the OP checked their bank statements and credit card statements for the same reason I would in this circumstance - because I'd be absolutely sure I'd paid and I'd check everything - including CC statements - to try to work out what had happened and to make sure I had not missed anything.

Whilst I agree the OP is not entirely blameless, most of the fault here seems to lie with Endsleigh.  They mistakenly changed the payment method from monthly DD to an annual payment (according to the OP), and this apparently caused it not to renew.

If I were the OP, I'd be going back to the renewal letter from Endsleigh which said something like "we'll use your old card details to auto-renew, let us know if they've changed etc", and I'd be checking it to see whether it also says something like "only monthly payments will renew, not annual ones".  If it doesn't say that I'd be complaining on the grounds that it should do, and if it did, I'd still be complaining on the grounds that Endsleigh changed the payment method from monthly to annually when they shouldn't have done.  (Again, if I understand the OP correctly, they have some communication from Endsleigh were they admit this happened).

Yes - the OP should have checked the continuity of the DD, but it seems to me that the reason this went wrong in the first place was Endsleigh's error.  Can't the OP formally complain to Endsleigh and the FOS?

DUTR - what is your personal view of what actually happened?  It might help others understand.  If you think there's no point in elaborating because it "affects neither of us", then there seems little point in making any posts at all.

Ok, as you asked directly, between all the excuses, yes there perhaps was an administration error (which one party believed they may get service for 'free') , the administrator isn't going to waste time and resource chasing up custom (they met their obligations with a renewal invitation). I'm quite certain that if the DD or CC transaction was deducted twice (even for a small amount) covid or not , it would have been noticed.
It is not an attack on the OP as we read similar types of scenario's on the forum, when someone believes they are never wrong about anything ever .

[Deleted User]

They should pay the fine and cover the increase in your premium until the 6 points come off. It's a very expensive mistake for them but they had admitted it now so best thing is to inform them of the costs.

DoaM

AdrianC said:

It's AXA who you need to persuade to accept that they would have covered your son if he'd you'd had an incident. 

Methinks you need to read the OP again and not the OP's later post.

AdrianC

DoaM said:

AdrianC said:

It's AXA who you need to persuade to accept that they would have covered your son if he'd you'd had an incident. 

Methinks you need to read the OP again and not the OP's later post.

I sit firmly corrected. More tea required.

Jumblebumble

DUTR said:

 , the administrator isn't going to waste time and resource chasing up custom (they met their obligations with a renewal invitation). I'm quite certain that if the DD or CC transaction was deducted twice (even for a small amount) covid or not , it would have been noticed.

It is not an attack on the OP as we read similar types of scenario's on the forum, when someone believes they are never wrong about anything ever .

The ironic thing is that if the OP had insured directly with AXA they would have received the following as I did
Your policy has expired
Sorry you have not renewed with us

Dear Mr xxxx

Your AXA car insurance policy 301.xxx.xxx.xxx for CITROEN C1 (AA16AAA) expired at 23:59 on 28/03/2018. We no longer insure this car.
I always check on ASKMID a week after renewing or changing insurers and it is a shame not everyone does so.

Jumblebumble

Jumblebumble said:

DUTR said:

 , the administrator isn't going to waste time and resource chasing up custom (they met their obligations with a renewal invitation). I'm quite certain that if the DD or CC transaction was deducted twice (even for a small amount) covid or not , it would have been noticed.

It is not an attack on the OP as we read similar types of scenario's on the forum, when someone believes they are never wrong about anything ever .

The really sad  thing is that if the OP had insured directly with AXA they would have received the following as I did.
A good reason not to go through an incompetent middle man
----------------------------------------------------------------------------------------------------------------------------------------------------
Your policy has expired
Sorry you have not renewed with us

Dear Mr xxxx

Your AXA car insurance policy 301.xxx.xxx.xxx for CITROEN C1 (AA16AAA) expired at 23:59 on 28/03/2018. We no longer insure this car.
I always check on ASKMID a week after renewing or changing insurers and it is a shame not everyone does so.
---------------------------------------------------------------------------------------------------------------------------------------------------

Dr_Crypto

Tough one. You could try special reasons but I don't think you'd succeed. It is just too complicated with changes of address and things and it will come down to the driver being responsible for being insured. 
I guess it is possible that the OP didn't notice the money wasn't being taken but this tends to be a thing with high earners who don't check their accounts properly and end up paying for things they don't have to. And given the extra cost of monthly insurance compared to annual I don't see many high earners chosing monthly payments.