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didnt cancel home ins and now have a bill?

joolee_2
joolee_2 Posts: 291 Forumite
in Insurance & life assurance
hi everyone
i have been stupid and assumed my home ins with esure would natually be cancelled at the end of the yr. i took another policy out and now esure want to charge me £41 for the last 3 months...is there any way out of this
The quickest way for a parent to get a child's attention is to sit down and look comfortable. :eek:
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Comments

  • chuckles1066
    chuckles1066 Posts: 2,670 Forumite
    joolee wrote: »
    hi everyone
    i have been stupid and assumed my home ins with esure would natually be cancelled at the end of the yr. i took another policy out and now esure want to charge me £41 for the last 3 months...is there any way out of this

    Did they tell you that your policy would automatically be renewed unless you told them otherwise?
    You'll always miss 100% of the shots you don't take - Wayne Gretzky

    Any advice that you receive from me is worth exactly what you paid for it. Not a penny more or a penny less.
  • joolee_2
    joolee_2 Posts: 291 Forumite
    cant remember if they did or not but dont remember anything to say that - i have got rid of the paperwork now and am kicking myself.
    was just wondering if to call and say i cancelled by phone in jan even though i didnt???
    The quickest way for a parent to get a child's attention is to sit down and look comfortable. :eek:
  • jem16
    jem16 Posts: 19,850 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    joolee wrote: »
    hi everyone
    i have been stupid and assumed my home ins with esure would natually be cancelled at the end of the yr. i took another policy out and now esure want to charge me £41 for the last 3 months...is there any way out of this

    Presumably you have paid Esure by DD? If so renewal is normally automatic unless you tell them otherwise.

    If you paid annually by credit card it is not automatically renewed.
  • kazwookie
    kazwookie Posts: 14,350 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I suggest you ring them, and be nice to them, and see what they say.

    Good luck
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  • joolee_2
    joolee_2 Posts: 291 Forumite
    yes direct debit

    i will just have to call then and see what they say - thanks
    The quickest way for a parent to get a child's attention is to sit down and look comfortable. :eek:
  • raskazz
    raskazz Posts: 2,877 Forumite
    joolee wrote: »
    cant remember if they did or not but dont remember anything to say that - i have got rid of the paperwork now and am kicking myself.
    was just wondering if to call and say i cancelled by phone in jan even though i didnt???

    No chance. Calls will be recorded. They will soon find out you are lying.
  • raskazz
    raskazz Posts: 2,877 Forumite
    jem16 wrote: »
    Presumably you have paid Esure by DD? If so renewal is normally automatic unless you tell them otherwise.

    If you paid annually by credit card it is not automatically renewed.

    It can be automatically renewed by credit or debit card if the insurer obtained continuous payment authority when the policy was incepted.
  • joolee_2
    joolee_2 Posts: 291 Forumite
    yes direct debit

    i will just have to call then and see what they say - thanks
    The quickest way for a parent to get a child's attention is to sit down and look comfortable. :eek:
  • jem16
    jem16 Posts: 19,850 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    raskazz wrote: »
    It can be automatically renewed by credit or debit card if the insurer obtained continuous payment authority when the policy was incepted.

    What I meant was that under Esure's terms & conditions DD payments may be automtically renewed. Credit card payments never have been automatically renewed with Esure unlike some other companies.
  • Mrs_Thrify
    Mrs_Thrify Posts: 1,673 Forumite
    Part of the Furniture Combo Breaker
    Oh dear, that is lesson learn't the hard way :o all insurance - car & house has to be canceled in writing if not being renewed.
    If winter comes, can spring be far behind?
    Spring begins on 21st March.
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