Help! Car stolen, Insurance hadn't auto renewed!

JordanBos

jimjames said:

You definitely need to report to police. Without being logged there will be nothing to trigger if it goes past an ANPR camera which would help identify location and might even be past a police car. Although if you've been driving uninsured for 3 months without triggering one that might not do much.

Thank you. Yes I reported it to the police straight after I spoke to Land Rover tracking. Unfortunately, without any signal they couldn't really do much. Like you say, slim, slim chance it gets picked up. Thank you again for the message.

AdrianC

JordanBos said:
The reason for the declined auto-renew was due to the vehicle being high risk and they just didn't want it on their portfolio.

Ah, then it's not a failure to auto-renew due to an error... They just declined to renew at all.

JordanBos

AdrianC said:

JordanBos said:
The reason for the declined auto-renew was due to the vehicle being high risk and they just didn't want it on their portfolio.

Ah, then it's not a failure to auto-renew due to an error... They just declined to renew at all.

Yes, sorry I should have been clearer. 

Just rereading the emails again, but the last one was headed "Your insurance documents attached", so you can see why I thought it had renewed. Now when I click into them the documents say "declined" and whilst I guess it's on my head (and again I'm grateful that I didn't hurt/injure anyone or anything), I (and maybe naively) thought I'd get more than an email if my policy wasn't going to be renewed.

moneysaver

Typical insurance company, not wanting to take the risk when the going gets tough.

Surely the insurance company's should have a better system than an email telling you that they are declining an auto renew on such an important matter. Not everyone checks emails regular or if it is not highlighted in subject line might not think it is important.

Why not speak to you in person or send a letter with important insurance document in red marked on envelope.

Moneysaver

Grumpy_chap

moneysaver said:

Surely the insurance company's should have a better system than an email telling you that they are declining an auto renew on such an important matter. Not everyone checks emails regular or if it is not highlighted in subject line might not think it is important.

Yes, I am unsure why they would decline a renewal, or whether that needs to be reported in future applications (depends on the exact wording of the question I suppose and whether the reason is personal or collective decision, e.g. the company withdrawing from the market, such as O2 Drive.)

I do think something more "aggressive" than an email that could go to junk folder is necessary though, ultimately, it is on the driver.

JordanBos

moneysaver said:

Typical insurance company, not wanting to take the risk when the going gets tough.

Surely the insurance company's should have a better system than an email telling you that they are declining an auto renew on such an important matter. Not everyone checks emails regular or if it is not highlighted in subject line might not think it is important.

Why not speak to you in person or send a letter with important insurance document in red marked on envelope.

Moneysaver

Thank you for your reply.
Whilst I accept, it's my responsibility to make sure my car is insured, your message sort of sums up how I feel. 
Unless I change vehicles, I have my insurance on auto-renew and have never had any issues. Had I known that they were going to decline it, obviously I would have got insured elsewhere. The heading of the email, "your insurance documents attached" would have led me to the belief that I am insured (I won't pretend that I remember thinking exactly that) but I really didn't even consider the fact that it would be declined, they had insured me the year before, I had funds in my account, my circumstances had not changed (other than one more year of no claims!).

Thanks again for the reply.

AdrianC

moneysaver said:

Surely the insurance company's should have a better system than an email telling you that they are declining an auto renew on such an important matter. Not everyone checks emails regular or if it is not highlighted in subject line might not think it is important.

If somebody takes insurance out online, and states they want comms by email, then they have zero grounds to complain when they get comms by email.

JordanBos

Grumpy_chap said:

moneysaver said:

Surely the insurance company's should have a better system than an email telling you that they are declining an auto renew on such an important matter. Not everyone checks emails regular or if it is not highlighted in subject line might not think it is important.

Yes, I am unsure why they would decline a renewal, or whether that needs to be reported in future applications (depends on the exact wording of the question I suppose and whether the reason is personal or collective decision, e.g. the company withdrawing from the market, such as O2 Drive.)

I do think something more "aggressive" than an email that could go to junk folder is necessary though, ultimately, it is on the driver.

Which I do fully accept. Like you say, maybe they do need to be more aggressive so that others are not in a similar position or indeed worse.

Herzlos

From the insurance point of view you are pretty much screwed, sorry.
However the police should be able to record it as stolen so it'll flag up in ANPR.

Often stolen vehicles are parked up somewhere like a housing estate for a week or so in case there is another tracker, so it may be worth spending a day driving around looking for it. You've got the keys so it should be easy to recover.

However, with a car that high value with the tracker disabled there's no telling how well it's been hidden or how far away it is.

JordanBos

Herzlos said:

From the insurance point of view you are pretty much screwed, sorry.
However the police should be able to record it as stolen so it'll flag up in ANPR.

Often stolen vehicles are parked up somewhere like a housing estate for a week or so in case there is another tracker, so it may be worth spending a day driving around looking for it. You've got the keys so it should be easy to recover.

However, with a car that high value with the tracker disabled there's no telling how well it's been hidden or how far away it is.

Thank you, I agree and thank you for your suggestion of driving around to look for it. Anything has to be worth a try!