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
    • Effie
    • By Effie 14th Jun 19, 9:05 AM
    • 2Posts
    • 0Thanks
    Effie
    Car Insurance Auto Renew
    • #1
    • 14th Jun 19, 9:05 AM
    Car Insurance Auto Renew 14th Jun 19 at 9:05 AM
    My car insurance is coming up for renewal and I've checked out the comparison sites, however I have discovered that when you purchase online most companies sign you up to auto renew and (a) don't tell you and (b) don't give you the option to opt out of this when buying online. When I phoned up a company to purchase the insurance because if I was going to phone them to opt out of auto renew I might as well do it all at the same time, they tried to charge me an extra 20 for trying to purchase the insurance over the phone. Is it legal to sign you up for something you haven't asked for?
Page 1
    • dunstonh
    • By dunstonh 14th Jun 19, 9:33 AM
    • 98,597 Posts
    • 67,050 Thanks
    dunstonh
    • #2
    • 14th Jun 19, 9:33 AM
    • #2
    • 14th Jun 19, 9:33 AM
    Is it legal to sign you up for something you haven't asked for?
    They offer their terms. You either accept them or you don't. There is nothing unlawful about auto-renewal.

    You generally find most insurers will say they use auto-renewal in T&C.
    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.
    • BoGoF
    • By BoGoF 14th Jun 19, 9:35 AM
    • 5,296 Posts
    • 5,155 Thanks
    BoGoF
    • #3
    • 14th Jun 19, 9:35 AM
    • #3
    • 14th Jun 19, 9:35 AM
    They do tell in their t and c's......most don'y bother reading them going by the volume of posts on here.
    • rosierd
    • By rosierd 14th Jun 19, 10:43 AM
    • 21 Posts
    • 6 Thanks
    rosierd
    • #4
    • 14th Jun 19, 10:43 AM
    • #4
    • 14th Jun 19, 10:43 AM
    Auto-renewal is standard practice for any insurer. Say for example you were in hospital and couldn't renew your policy and your car was kept on the road. It would be uninsured and you would be liable for 1000 fine by the DVLA so it's also for your protection.
    • Aidanmc
    • By Aidanmc 14th Jun 19, 11:50 AM
    • 197 Posts
    • 68 Thanks
    Aidanmc
    • #5
    • 14th Jun 19, 11:50 AM
    • #5
    • 14th Jun 19, 11:50 AM
    I think with auto renewal the insurer should also send a renewal notice with the quotation before the payment is taken. Mine is due next month, and Hastings said they will send a renewal notice 28 days before renewal date.
    • penners324
    • By penners324 14th Jun 19, 11:59 AM
    • 127 Posts
    • 77 Thanks
    penners324
    • #6
    • 14th Jun 19, 11:59 AM
    • #6
    • 14th Jun 19, 11:59 AM
    All car insurance companies will email you with the new quote about 28 days prior.
    • zx81
    • By zx81 14th Jun 19, 11:59 AM
    • 23,829 Posts
    • 26,493 Thanks
    zx81
    • #7
    • 14th Jun 19, 11:59 AM
    • #7
    • 14th Jun 19, 11:59 AM
    Is it legal to sign you up for something you haven't asked for?
    Originally posted by Effie
    Yes, as long as you agree to it, which you did, it's fine.
    • Marvel1
    • By Marvel1 15th Jun 19, 12:07 AM
    • 4,412 Posts
    • 4,965 Thanks
    Marvel1
    • #8
    • 15th Jun 19, 12:07 AM
    • #8
    • 15th Jun 19, 12:07 AM
    I think with auto renewal the insurer should also send a renewal notice with the quotation before the payment is taken. Mine is due next month, and Hastings said they will send a renewal notice 28 days before renewal date.
    Originally posted by Aidanmc
    They do, had mine end of May, current expires 30th June.
    • daveyjp
    • By daveyjp 15th Jun 19, 8:26 AM
    • 8,365 Posts
    • 6,977 Thanks
    daveyjp
    • #9
    • 15th Jun 19, 8:26 AM
    • #9
    • 15th Jun 19, 8:26 AM
    If autorenewal is a pain imagine what it was like 30 years ago.

    Get renewal then spend the next few weeks calling brokers or insurance companies to get quotes. It used to take hours answering the same questions over and over again to half a dozen or so companies.

    My insurance expires soon. Reminder sent four weeks ago, less than last year. Comparison site details were stored from last year so they emailed me updated quotes, nothing cheaper.

    I now do nothing more. Autorenewal kicks in and I am continually insured.

    All I had to do was read two emails.
    • johnsmith1890
    • By johnsmith1890 16th Jun 19, 8:39 PM
    • 558 Posts
    • 456 Thanks
    johnsmith1890
    Just to clarify one point about auto-renewal: it's NOT done for your benefit, it's done for the benefit of the insurance company.


    I'm not saying the technique is good, bad or indifferent (I currently have it in place for motor insurance), but don't think the company is doing it out of the goodness of their hearts to stop you being uninsured; they aren't. They don't care whether you're insured or not. They use auto-renewal as inertia selling to boost sales. That's all there is to it.
    • Peter999
    • By Peter999 16th Jun 19, 9:09 PM
    • 605 Posts
    • 687 Thanks
    Peter999
    Just to clarify one point about auto-renewal: it's NOT done for your benefit, it's done for the benefit of the insurance company.


    I'm not saying the technique is good, bad or indifferent (I currently have it in place for motor insurance), but don't think the company is doing it out of the goodness of their hearts to stop you being uninsured; they aren't. They don't care whether you're insured or not. They use auto-renewal as inertia selling to boost sales. That's all there is to it.
    Originally posted by johnsmith1890

    I completely agree, 100%.
    • tempus_fugit
    • By tempus_fugit 17th Jun 19, 1:55 AM
    • 765 Posts
    • 723 Thanks
    tempus_fugit
    If autorenewal is a pain imagine what it was like 30 years ago.

    Get renewal then spend the next few weeks calling brokers or insurance companies to get quotes. It used to take hours answering the same questions over and over again to half a dozen or so companies.

    My insurance expires soon. Reminder sent four weeks ago, less than last year. Comparison site details were stored from last year so they emailed me updated quotes, nothing cheaper.

    I now do nothing more. Autorenewal kicks in and I am continually insured.

    All I had to do was read two emails.
    Originally posted by daveyjp
    Thirty years ago generally you would go through a broker, ie one broker, and they got the quotes for you, so you didn't have to answer the same questions over and over again. I know this because I worked in the sector 30 years ago. It was certainly much different from now.
    Retired at age 56 after having "light bulb moment" due to reading MSE and its forums. Have been converted to the "budget to zero" concept and use YNAB for all monthly budgeting and long term goals.

    Pedant point: There is no such word or construction as "I's", the word to use is "my".
    • rosierd
    • By rosierd 17th Jun 19, 7:48 AM
    • 21 Posts
    • 6 Thanks
    rosierd
    Just to clarify one point about auto-renewal: it's NOT done for your benefit, it's done for the benefit of the insurance company.


    I'm not saying the technique is good, bad or indifferent (I currently have it in place for motor insurance), but don't think the company is doing it out of the goodness of their hearts to stop you being uninsured; they aren't. They don't care whether you're insured or not. They use auto-renewal as inertia selling to boost sales. That's all there is to it.
    Originally posted by johnsmith1890
    Makes sense until the customer calls up and says they have gone elsewhere so that 'Sale' comes straight back off again. The benefit to Insurance companies is people allowing it to auto-renew and not shopping around so the company earns money on an inflated renewal. However all companies now have to quote last years premium and advise people to shop around as they could get it cheaper hence making it more difficult to benefit from that extra income.

    But the benefit to the customer is if the price is reasonable you needn't do anything. No shopping around online or on the phone entering details and what about if you had forgot to deal with it and luckily it did auto-renew that really is for your benefit!
    I work in Insurance (Broker). All views are my own.
    • Kernel Sanders
    • By Kernel Sanders 22nd Jun 19, 12:49 AM
    • 3,480 Posts
    • 1,417 Thanks
    Kernel Sanders
    All car insurance companies will email you with the new quote about 28 days prior.
    Originally posted by penners324
    So how much time does that leave you to decide not to renew (without being charged)?
    • Marvel1
    • By Marvel1 22nd Jun 19, 8:02 AM
    • 4,412 Posts
    • 4,965 Thanks
    Marvel1
    So how much time does that leave you to decide not to renew (without being charged)?
    Originally posted by Kernel Sanders
    Plenty, my current one expires 30th June, found a new one 2 weeks ago and phoned current one straight away, sorted.
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

3,642Posts Today

7,858Users online

Martin's Twitter