Dynamo car breakdown renewal con

Thecreative

My wife recently had car breakdown auto renewed at 71.72 by Dynamo for a car she no longer has, the email went to spam and was only picked up after she noticed the bank being down 24.00, further to that they are trying to take instalments for 11 months. She never agreed to set up any instalments as always usually pays in advance and does a new policy every year. There is no way to do this online & accessing is pretty impossible.

The same policy quoted on comparison by Dynamo is just over £7 !!!

She made the call within the cooling off period but they are refusing to refund without proof she no longer has the car and to be honest were deeply arrogant.

I have had that car in my name, insurance & breakdown cover for almost a year. She has another car with breakdown & insurance that we can send paperwork for showing she doesn't have it nor require breakdown. We have asked the bank to stop payments but on principle want the refund & to warn people of the issue.

Should they not comply & refund what option do we have?

MyRealNameToo

So when she disposed of the vehicle did she actually tell them and ask them to end the policy?

If she didnt then its 100% on her and almost certainly she agreed when buying the policy that it would auto-renewal (its almost impossible to buy most insurance without making such an agreement). The fact that the renewal invite went to spam again wont be seen as their fault but hers for setting too zealous spam filters/choosing a provider that are too zealous and/or not checking the spam folder.

First of all check if your policy is actually insurance, not all breakdown cover is. If it is the Complaints section will tell you about your Financial Ombudsman rights, if it isnt it wont. If it is insurance then you do have a cooling off period, even at renewal, of 14 calendar days from the date of the renewal unless its a monthly policy. If its not insurance then there is no statutory requirement for a cooling off period on a renewal.

Thecreative

Thanks, yes its insurance and there's no way to get into the auto renewal setting to turn it off, its all that's wrong with the world that they can up a policy from £7 to £75 without written approval, especially when the same policy could be taken out again now for £7

She didn't advise them of the car being changed as the policy was for £7 so really not worth the effort as I say she religiously does a policy every year for a cheap deal, the auto renew here is nothing but a con

sheramber

https://forums.moneysavingexpert.com/discussion/comment/82123519#Comment_82123519

According to Dynamo you can cancel auto renewal online.

How does auto renewal work?−

Please be aware that many of our policies automatically renew each year. This means that unless you opt-out, your policy will renew on the renewal date (12 months from when you purchased the policy). If you do not want your policy to automatically renew, you can opt-out at any time. Simply log into your account and amend your renewal preferences. Alternatively, you can call us on 0300 22 32 897. We cannot accept opt-outs via email so make sure to change this online or contact us via the chat bot or call us on the number provided.

https://dynamocover.com/breakdown-insurance/

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/comment/82123519#Comment_82123519

They have your approval, they said this would happen as a condition of the original sale and you clicked the "I agree" button. They subsequently wrote to you to remind you it was going to happen and what the price would be if you do nothing.

If it is insurance then there is a statutory 14 calendar day cooling off period from the date of the renewal. They can however charge a reasonable fee for the cancellation if their terms allow such things. Sounds like they are trying to help you by asking for evidence of the disposal as that may well result in the fee being waived as there was not an insurable interest at the inception of the policy (assuming its a single vehicle not personal policy… technically insurable interest only needs to exist at the point of claim for general insurance (unlike Life insurance))