Auto renewal for Auto Aid

I was convinced I had changed the auto renew on my Auto Aid breakdown cover, but it renewed today (no renewal notification). Contacted them and asked for them to review but adament only could give a partial refund due to admin fee. Not sure if the 14 days cooling off period applies here. Appreciate £15 admin fee isnt the biggest amount in the world but new customers would do well to deactivate the auto renew when taking out their policy. I will be checking all my other policies such as car and home insurance!!

Comments

  • dunstonh
    dunstonh Posts: 115,716
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    Not sure if the 14 days cooling off period applies here.
    The cancellation rights period is not a free period.  They can charge an admin fee and an amount for the period of time on risk.

    However, if you didn't receive a renewal notice, you have grounds for complaint and they may waive it in that scenario.

    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • DullGreyGuy
    DullGreyGuy Posts: 9,182
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    Cooling off period is to give you time to assess the product/service and ensure it meets your needs, statutory cooling off periods on renewals generally dont exist because its the same as the product you had for the last 12 months.

    Even if you have a cooling off period there is no legal requirement that the cancellation has to be free... just costs have to be proportional to the average cost for the company. Certainly when I had to justify our costs for a prior client they were willing to accept it on a fully average cancellation not just cancellations within the cooling off period in which case certain marketing costs/commissions came into play. 
  • pritchah
    pritchah Posts: 29
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    I hope I can piggyback onto this auto-renewal thread, even though it isn't Auto Aid

    I decided not to renew my wife's car insurance with Saga, but had the devil's own job getting through to them by phone and live chat. Anyway, as I only had a few days left on the policy, I went with a better deal elsewhere

    Eventually I did get through to Saga's live chat to tell them I had made my decision and wished to leave them, which went OK

    My question is - would Saga have auto-renewed had I not been able to get through to them? If so, how, as I can't see I have a direct debit set up with them

    I asked live chat but the guy dodged giving an answer, and I didn't pursue it as I'd done my priority task


  • pritchah said:


    My question is - would Saga have auto-renewed had I not been able to get through to them? If so, how, as I can't see I have a direct debit set up with them




    They'd have renewed, but then you'd be left with the issue of a cancelled policy and fees if payment couldn't be taken. 
  • I was notified of their auto renewal change in September 22, but never received renewal notice. Didn't realize they had taken payment until renewal notice sent this year. Would not have renewed as when needed to attend to breakdown all that arrived was a potential lift to a garage, no way any similarity to RAC or AA. Maybe cheaper, but for what. Been on to them and not able to speak with anyone with any comprehension of situation. DONT USE AUTO-AID
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