Unwanted home Insurance automatic renewal cancellation charge

imbigron

I've recently had a home insurance policy try to renew automatically but failed due to the payment details being incorrect. I had no intention of renewing so naively assumed once they couldn't take payment it would end. However, I've now received a letter from them saying that the policy has cancelled but they are charging me an admin fee plus a small amount for the days before the policy cancelled which equates to half what the policy would have been for the year. I've just spent twenty minutes speaking to their Indian call centre and been advised that I have to pay or the debt will be passed onto a debt collection agency. The total amount is £46.30, which I really do not want to pay. Am I likely to receive a visit from the bailiffs for this amount, or is the debt likely to keep increasing? I've had car insurance and home insurance policies with this company for a few years, but will never use them again so it ultimately costs them more, but I guess they don't care about that. 

MorningcoffeeIV

It'll probably increase, 

Balliffs are unlikely, although once they have a CCJ against you, the chances obviously go up considerably.  

It'll be much cheaper and far less damaging to pay it now.

DullGreyGuy

Also remember to tell your new insurers now that you've had a policy cancelled for non-payment (and remember to continue to do so every year going forward).