Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
  • FIRST POST
    • Bengangooly
    • By Bengangooly 9th Sep 18, 8:38 AM
    • 5Posts
    • 0Thanks
    Bengangooly
    Just realised Iíve paid twice for my car insurance - hit by auto-renewal
    • #1
    • 9th Sep 18, 8:38 AM
    Just realised Iíve paid twice for my car insurance - hit by auto-renewal 9th Sep 18 at 8:38 AM
    Just received two emails from insurers to renew and realised I paid for one by auto-renewal last year. Gone through my emails and I did receive an email last year about it but mustíve missed it. They didnít send me an email after with new documents etc which I think is a bit sneaky - especially for something costing £740 - but I shouldíve caught it. Iíve emailed the insurer, Elephant, asking for a refund as I have proof I was already insured - anyone have any idea whether Iím likely to be succesful? Of course I shouldíve seen the hundreds of pounds taken out of my account but I closed the account around that time and didnít pick up on it.
Page 1
    • Hasbeen
    • By Hasbeen 9th Sep 18, 10:03 AM
    • 1,029 Posts
    • 772 Thanks
    Hasbeen
    • #2
    • 9th Sep 18, 10:03 AM
    • #2
    • 9th Sep 18, 10:03 AM
    Just received two emails from insurers to renew and realised I paid for one by auto-renewal last year. Gone through my emails and I did receive an email last year about it but mustíve missed it. They didnít send me an email after with new documents etc which I think is a bit sneaky - especially for something costing £740 - but I shouldíve caught it. Iíve emailed the insurer, Elephant, asking for a refund as I have proof I was already insured - anyone have any idea whether Iím likely to be succesful? Of course I shouldíve seen the hundreds of pounds taken out of my account but I closed the account around that time and didnít pick up on it.
    Originally posted by Bengangooly
    Have you put in

    Full name
    Date of birth
    Post code
    Policy / reference number


    They are likely to refund you as a goodwill gesture. But I believe there is no requirement for them to do so.

    As for them being sneaky? probably not if your first policy was on line. The renewal would alter that online and it would be up to you to log in check print out as required?
    • dunstonh
    • By dunstonh 9th Sep 18, 11:37 AM
    • 96,421 Posts
    • 64,313 Thanks
    dunstonh
    • #3
    • 9th Sep 18, 11:37 AM
    • #3
    • 9th Sep 18, 11:37 AM
    They didn’t send me an email after with new documents etc which I think is a bit sneaky - especially for something costing £740 -
    Most documents are not contained in the email. They are on the insurers online portal for you to download. So, not sneaky.

    I’ve emailed the insurer, Elephant, asking for a refund as I have proof I was already insured - anyone have any idea whether I’m likely to be succesful?
    Normally the insurers will agree between them who is refunding minus an admin charge.

    Of course I should’ve seen the hundreds of pounds taken out of my account
    And the fact you were told it would auto-renew if you did nothing. Its not hidden in some small text away at the end.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Bengangooly
    • By Bengangooly 9th Sep 18, 7:55 PM
    • 5 Posts
    • 0 Thanks
    Bengangooly
    • #4
    • 9th Sep 18, 7:55 PM
    • #4
    • 9th Sep 18, 7:55 PM
    You donít think some of this is intentiaonal? Like the way energy providers shift people on to the most expensive tariff after their deal runs out? Not trying to stir controversy, just interested whether you genuinely think that?
    • Zorillo
    • By Zorillo 9th Sep 18, 8:18 PM
    • 439 Posts
    • 284 Thanks
    Zorillo
    • #5
    • 9th Sep 18, 8:18 PM
    • #5
    • 9th Sep 18, 8:18 PM
    Of course it's intentional, auto-renewal wasn't invented by accident.

    It's up to you to tell them you don't want to renew, it's not difficult.

    But if you're the sort of person that forgets to tell your insurer not to auto renew, you might find yourself very grateful in the event you forget to arrange alternative cover! I know that's not what has happened here, but I would think auto renewal rescued many people from a driving without insurance conviction.
    Last edited by Zorillo; 09-09-2018 at 8:32 PM.
    • dunstonh
    • By dunstonh 9th Sep 18, 8:43 PM
    • 96,421 Posts
    • 64,313 Thanks
    dunstonh
    • #6
    • 9th Sep 18, 8:43 PM
    • #6
    • 9th Sep 18, 8:43 PM
    You don’t think some of this is intentiaonal?
    Of course, it is intentional. it lowers costs and as most consumers renew with the same provider, it reduces admin for them.

    However, they are not hiding the fact it is auto-renewal. There is a standard that means it must be contained in the main renewal letter telling you what to do next if you do or do not wish to renew.

    The only people that tend to get caught out by it are those that do not read the renewal letter. If you don't read your letters, then you are pretty much open to missing all sorts of things in life.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Bengangooly
    • By Bengangooly 10th Sep 18, 7:06 AM
    • 5 Posts
    • 0 Thanks
    Bengangooly
    • #7
    • 10th Sep 18, 7:06 AM
    • #7
    • 10th Sep 18, 7:06 AM
    I’m actually a pretty money savvy guy - I don’t think I am ‘prone to missing all sorts of things in life.’ Anyway, they’ve agreed to refund so all is fine - thanks for your comments.
    • Hasbeen
    • By Hasbeen 11th Sep 18, 6:13 PM
    • 1,029 Posts
    • 772 Thanks
    Hasbeen
    • #8
    • 11th Sep 18, 6:13 PM
    • #8
    • 11th Sep 18, 6:13 PM
    Iím actually a pretty money savvy guy - I donít think I am Ďprone to missing all sorts of things in life.í Anyway, theyíve agreed to refund so all is fine - thanks for your comments.
    Originally posted by Bengangooly
    LOL, thank god I am not as money savvy as you. I would not miss an extra £740 being taken from my bank
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,473Posts Today

8,508Users online

Martin's Twitter