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  • FIRST POST
    • cuddles123
    • By cuddles123 12th Aug 18, 12:01 PM
    • 1,383Posts
    • 6,992Thanks
    cuddles123
    Direct Line
    • #1
    • 12th Aug 18, 12:01 PM
    Direct Line 12th Aug 18 at 12:01 PM
    hi,
    My sister has home and contents insurance with Direct Line.
    Her renewal shows an increase of 50 on her premium, so she would like to shop around. However DL are saying that they will charge a cancellation fee of 42 if she doesn't renew.

    Surely she hasn't broken any contracts, and is not wanting to leave early as she has been with them for several years?

    Can anyone advise if this is legal and / or enforceable please?
    Jack of all trades ... Master of none
Page 1
    • Keep pedalling
    • By Keep pedalling 12th Aug 18, 12:18 PM
    • 5,679 Posts
    • 6,474 Thanks
    Keep pedalling
    • #2
    • 12th Aug 18, 12:18 PM
    • #2
    • 12th Aug 18, 12:18 PM
    It sounds like she has left it beyond the renewal date it it has auto renewed.
    • cuddles123
    • By cuddles123 12th Aug 18, 12:50 PM
    • 1,383 Posts
    • 6,992 Thanks
    cuddles123
    • #3
    • 12th Aug 18, 12:50 PM
    • #3
    • 12th Aug 18, 12:50 PM
    It sounds like she has left it beyond the renewal date it it has auto renewed.
    Originally posted by Keep pedalling
    No - her renewal is due at the end of the month.
    Jack of all trades ... Master of none
    • Quentin
    • By Quentin 12th Aug 18, 12:58 PM
    • 38,003 Posts
    • 22,102 Thanks
    Quentin
    • #4
    • 12th Aug 18, 12:58 PM
    • #4
    • 12th Aug 18, 12:58 PM
    Maybe she spoke to them and asked about "cancelling" her policy??

    If so they may have quoted their cancellation fee

    In fact she wants to "lapse" the policy when it ends

    There's no charge for that
    • cuddles123
    • By cuddles123 12th Aug 18, 3:45 PM
    • 1,383 Posts
    • 6,992 Thanks
    cuddles123
    • #5
    • 12th Aug 18, 3:45 PM
    • #5
    • 12th Aug 18, 3:45 PM
    I will check with her, but he said that the cancellation fee was mentioned in the renewal quote letter.
    prior to that she hadn't spoken to them since renewing last year.
    Jack of all trades ... Master of none
    • Quentin
    • By Quentin 12th Aug 18, 3:53 PM
    • 38,003 Posts
    • 22,102 Thanks
    Quentin
    • #6
    • 12th Aug 18, 3:53 PM
    • #6
    • 12th Aug 18, 3:53 PM
    ... he said that the cancellation fee was mentioned in the renewal quote letter.
    Originally posted by cuddles123


    Yes, there is a fee for "cancelling" a policy. Good of them to underline that.


    It will also be set out in the policy docs


    But as #4 above, there is no fee for letting a policy "lapse"!
    • cajef
    • By cajef 12th Aug 18, 3:58 PM
    • 4,873 Posts
    • 3,931 Thanks
    cajef
    • #7
    • 12th Aug 18, 3:58 PM
    • #7
    • 12th Aug 18, 3:58 PM
    Just renewed mine with DL, it states that there is a fee of 43.68 to cancel the policy, there is no fee if not wishing to renew when renewal is due.
    I used to have a handle on life, but it broke.
    • dunstonh
    • By dunstonh 12th Aug 18, 5:09 PM
    • 96,058 Posts
    • 63,876 Thanks
    dunstonh
    • #8
    • 12th Aug 18, 5:09 PM
    • #8
    • 12th Aug 18, 5:09 PM
    Cancelling is different to not renewing.

    She needs to tell them that she is not going to renew that policy at renewal.

    She must not say she wants to cancel the policy.
    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.
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