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  • FIRST POST
    • YamahaR6
    • By YamahaR6 8th Mar 18, 1:44 PM
    • 102Posts
    • 93Thanks
    YamahaR6
    Churchill - auto renewal
    • #1
    • 8th Mar 18, 1:44 PM
    Churchill - auto renewal 8th Mar 18 at 1:44 PM
    Churchill auto renewed my insurance but I didn't notice until 4 weeks later as they took the payment from a credit card I no longer use. I only found out once I got my credit card statement through.


    I sold the vehicle in October 2017 and they auto-renewed in January this year. I've contacted them about this to get a refund and they basically don't want to know. I contacted my bank to dispute it and they want all correspondence regarding the auto-renewal but there isn't any because I didn't receive any. The first I knew about it was when I received my statement.


    Any ideas how I actually get a refund? I explained to Churchill that I don't own the vehicle, I sold it to a dealership and therefore have absolutely no idea where it is and this is apparently irrelevant information. I'm still liable for the insurance policy.
    BR as of 10:30am on 27/08/2009
    Proud BSC member #285
    Countdown to AD 27/08/2010

    "When you do nothing, you feel overwhelmed and powerless. But when you get involved, you feel the sense of hope and accomplishment that comes from knowing you are working to make things better."
Page 1
    • spadoosh
    • By spadoosh 8th Mar 18, 1:59 PM
    • 5,156 Posts
    • 6,925 Thanks
    spadoosh
    • #2
    • 8th Mar 18, 1:59 PM
    • #2
    • 8th Mar 18, 1:59 PM
    Id imagine what theyre saying is correct.

    I suspect within the terms and conditions you signed up to it talks about auto renewal.

    I think theres little chance of you getting a refund. You can cancel the policy but there will be charges to do so. But then there not much point paying for something you dont need.

    For what its worth now most insurance works on an auto renewal. So if you plan on changing insurance provider every year its worth remembering to cancel the auto renew before that time.
    Don't be angry!
    • dunstonh
    • By dunstonh 8th Mar 18, 2:57 PM
    • 92,660 Posts
    • 59,985 Thanks
    dunstonh
    • #3
    • 8th Mar 18, 2:57 PM
    • #3
    • 8th Mar 18, 2:57 PM
    I explained to Churchill that I don't own the vehicle, I sold it to a dealership and therefore have absolutely no idea where it is and this is apparently irrelevant information. I'm still liable for the insurance policy.
    We have to assume that you didnt cancel the policy when you sold the car. That means the insurer remains liable for it. i.e. if the car had been in an accident, they would still have to pay out, even though you have sold it.

    The renewal would have seen them notify of you the renewal details and what to do if you no longer want the insurance. This renewal notice would have been sent to the same method you chose when you bought the insurance.

    Now, you can get a refund if you have dual insured. i.e. you stayed with Churchill and bought alternative cover elsewhere. So, did you take out insurance elsewhere?
    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.
    • YamahaR6
    • By YamahaR6 12th Mar 18, 9:51 AM
    • 102 Posts
    • 93 Thanks
    YamahaR6
    • #4
    • 12th Mar 18, 9:51 AM
    • #4
    • 12th Mar 18, 9:51 AM
    I took out alternative cover with a different insurer on my new car if that's what you're asking?
    BR as of 10:30am on 27/08/2009
    Proud BSC member #285
    Countdown to AD 27/08/2010

    "When you do nothing, you feel overwhelmed and powerless. But when you get involved, you feel the sense of hope and accomplishment that comes from knowing you are working to make things better."
    • takman
    • By takman 13th Mar 18, 2:23 PM
    • 3,341 Posts
    • 2,921 Thanks
    takman
    • #5
    • 13th Mar 18, 2:23 PM
    • #5
    • 13th Mar 18, 2:23 PM
    I took out alternative cover with a different insurer on my new car if that's what you're asking?
    Originally posted by YamahaR6
    So you sold the car in October 2017 and didn't cancel the insurance policy?. You then took out a brand new insurance policy for your new car?.

    If so then you have made several mistakes because you should have cancelled the policy when you sold the car; or changed the policy to cover the new car which may have saved you money.

    If you declared you had NCB on when you took out the policy this would have been invalid because it was already being used on the Churchill Policy. So you lucky they didn't ask for proof if this was the case.
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