Policy Expert Auto Renewal.

Thomo278

chrispy1 said:

The last year I have had my house insurance with Policy Expert. A few weeks ago I got some quotes for the next year and got some prices. So I check present policy online and decided to go with one of the new quotes. I also checked to see it there was any autorenewal which I couldn't find. So I took a out a policy with a different company.

On the 20th November I received an email from Policy Expert (see picture) about renewing my policy saying "Renewing with us is quick and easy. Please call one of our dedicated experts" Well has I had already got a new one with another company I didn't click the link and ignored this email.

On the 11th December I received an email saying "Thank you for buying your insurance through us" and checking they had taken a payment. So I phoned up Policy Expert. I was told that an email was sent to me on the 16th November saying that payment would automatically taken. I said I never received this email and wasn't it misleading sending an email saying payment is going to be taken then followed by one saying you had to contact them. I was told no that's was just a follow up email.

I did find this email in my spam box. How many people get emails automatically put in the spam box. On top of that only sending one saying a payment will be taken automatically.

Does anyone else think this is wrong?

I’ve just had a very similar experience with them. Didn’t receive a renewal email, then got a letter four days before the policy expires, dated 9 days before I received it. I called them immediately to find that they had renewed the policy and taken payment that morning!! The policy had increased by £106 from the previous year. Whilst on the call waiting I had run a check for other quotes and the best I could find was approximately £1 more than their renewal quote (which I found very strange as every other insurance renewal quote I’ve ever had was never the cheapest).
When I spoke to them they continually referred back to the renewal email as if it were my fault. They could apparently see that it hadn’t been opened but had no explanation. They apologised for the letter delay but couldn’t say why and took no responsibility for it. I asked them to requote and they got the same figure and weren’t prepared to give me any reduction as a gesture of good will. I feel this was deliberate and sharp practice but clearly have no proof. I asked them about switching off the auto renewal and they suggested that they do it, I later looked for the option on my account and couldn’t find it anywhere.
In summary I truly feel that there is some dubious/sharp practice in play here. I have worked in the personal insurance and finance industry as a young man (I left after six months in disgust at some of the things we were being asked to do/overlook and the immorality involved) and know what some are capable of.
 I would be very interested to hear of any other people with similar experiences. Perhaps a whole body of people could get some answers?!

Majic

Thomo278 said:

chrispy1 said:

The last year I have had my house insurance with Policy Expert. A few weeks ago I got some quotes for the next year and got some prices. So I check present policy online and decided to go with one of the new quotes. I also checked to see it there was any autorenewal which I couldn't find. So I took a out a policy with a different company.

On the 20th November I received an email from Policy Expert (see picture) about renewing my policy saying "Renewing with us is quick and easy. Please call one of our dedicated experts" Well has I had already got a new one with another company I didn't click the link and ignored this email.

On the 11th December I received an email saying "Thank you for buying your insurance through us" and checking they had taken a payment. So I phoned up Policy Expert. I was told that an email was sent to me on the 16th November saying that payment would automatically taken. I said I never received this email and wasn't it misleading sending an email saying payment is going to be taken then followed by one saying you had to contact them. I was told no that's was just a follow up email.

I did find this email in my spam box. How many people get emails automatically put in the spam box. On top of that only sending one saying a payment will be taken automatically.

Does anyone else think this is wrong?

I’ve just had a very similar experience with them. Didn’t receive a renewal email, then got a letter four days before the policy expires, dated 9 days before I received it. I called them immediately to find that they had renewed the policy and taken payment that morning!! The policy had increased by £106 from the previous year. Whilst on the call waiting I had run a check for other quotes and the best I could find was approximately £1 more than their renewal quote (which I found very strange as every other insurance renewal quote I’ve ever had was never the cheapest).
When I spoke to them they continually referred back to the renewal email as if it were my fault. They could apparently see that it hadn’t been opened but had no explanation. They apologised for the letter delay but couldn’t say why and took no responsibility for it. I asked them to requote and they got the same figure and weren’t prepared to give me any reduction as a gesture of good will. I feel this was deliberate and sharp practice but clearly have no proof. I asked them about switching off the auto renewal and they suggested that they do it, I later looked for the option on my account and couldn’t find it anywhere.
In summary I truly feel that there is some dubious/sharp practice in play here. I have worked in the personal insurance and finance industry as a young man (I left after six months in disgust at some of the things we were being asked to do/overlook and the immorality involved) and know what some are capable of.
 I would be very interested to hear of any other people with similar experiences. Perhaps a whole body of people could get some answers?!

I agree with you this looks like sharp practice. I'm with them but I won't be renewing given these stories. They couldn't have made it more difficult.