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YES Insurance helped themselves to my money

goldmax Avatar
banned7y, 7m agoPosted 7 years, 7 months ago
Yes folks read this, I'm ****** off, Yes insurance sent me an email saying thankyou
for renewing my van insurance with them...........but I hadn't. I sold that van two months ago and they just automaticaly renewed the policy and took the money from my account.

Anyway I phoned them up and after lots of pleading they will give me a refund with penalties, is this right , If you buy something for a year thats it surely, not roll on year after year??
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goldmax Avatar
banned7y, 7m agoPosted 7 years, 7 months ago
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#1
One of my previous insurers used the same policy. They'd send you a letter, detailing what your premiums were going to be for the next year, and if you didn't call up to cancel, they'd automatically renew. If you read through all of the paperwork that came with your old policy, if you still have it all, it will more than likely say somewhere in there about the automatic renewal
suspended#2
They are really crap, I took out policy with a special offer of £50 cash back after 3 months but when it didnt arrive i phoned them and they said i didnt qualify, asked about cancelling it as they only reason i took it out was cuz of cash back and wanted me to pay for whole year plus £150 on top.

If u havnt renewed ur policy then they shouldnt charge u, I was told that all calls are recorded so ask them for date time of call etc for when u cancelled it
#3
That's how they do it these days. You have to opt out if you don't want it.
#4
all insurance policies send you an automatic renewal policy if you didnt cancel it then they will think you wish to continue with it - did you not cancel the policy when you sold the van if so then thats a different matter as you would of not had insurance with them for 2mths so no policy should of been renewed (hope that bit made sense)
banned#5
keli
all insurance policies send you an automatic renewal policy if you didnt cancel it then they will think you wish to continue with it - did you not cancel the policy when you sold the van if so then thats a different matter as you would of not had insurance with them for 2mths so no policy should of been renewed (hope that bit made sense)


I didn't bother cancelling the policy as only two months was left,
I might try to send cheques in the future instead of giving these sneaky gits
my bank details:x
#6
Well I like it the way it is, means I never have to ring them to renew. Got my renewal through today as it happens, £278. Can't be arsed doing the compare websites as I know the lowest will be over £400.
banned#7
Shengis
Well I like it the way it is, means I never have to ring them to renew. Got my renewal through today as it happens, £278. Can't be arsed doing the compare websites as I know the lowest will be over £400.


so what happens if you don't get the renewal in the post (you are relying on royal mail ) and your circumstances have changed?
#8
I thought by law you had 14 days to cancel a contract over the phone. As they have renewed it then you have a new contract do you not?
#9
I used to work for an insurance broker & the things they do are shocking, if they feel you are an easy target on the phone they just add a hundred or two on to your quote & this is pure profit on top of the commission they already get from the insurance company they are selling the policy for!
One fella I used to work with used to go all out at old people to make himself as much commission as he could & he once quoted £800 on a change of vehicle to someone's policy & the fella didn't even question it!
The sales people used to mess up people's quotes to get a sale through & then charge them insanely high cancellations charges for mistakes they have made.
Do yourself a big favour & buy your insurance direct from an insurance company :thumbsup:
#10
goldmax
so what happens if you don't get the renewal in the post (you are relying on royal mail ) and your circumstances have changed?


I'm with Elephant on my car and i'm pretty sure they send a couple of reminders. If I hadn't received one i'd have to ring them obviously, but not happened yet and i've been with them for years:thumbsup:

Just asked the meerkats btw as I was bored, got some similar prices but not including legal cover. Top one was £1,850!!!! I lolled.

Same quote from Admiral was £350ish btw :? :lol:
banned#11
Shengis
I'm with Elephant on my car and i'm pretty sure they send a couple of reminders. If I hadn't received one i'd have to ring them obviously, but not happened yet and i've been with them for years:thumbsup:

Just asked the meerkats btw as I was bored, got some similar prices but not including legal cover. Top one was £1,850!!!! I lolled.

Same quote from Admiral was £350ish btw :? :lol:


well do elephant do van insurance??

Also, I find it more tedious trying to remember to cancel things each year, much better to renew/swap each year which means FREEDOM
#12
Shengis
Well I like it the way it is, means I never have to ring them to renew. Got my renewal through today as it happens, £278. Can't be arsed doing the compare websites as I know the lowest will be over £400.


It's well worth getting a quote as a new customer with your current company, often this is a better price than their renewal. I've had companies quote £100 or more less for a new customer than their renewal notice!
#13
goldmax
well do elephant do van insurance??


No, I use Gladiator for that. They seem to be a tad monkeyish tbh. Threatened to cancel my policy for not sending back details they never requested in the first place :?
banned#14
I'm happy with automatic renewal from Tesco's saves me having to remember. Strangely my girlfriend's letter said it would expire if she didn't renew
banned#15
lumoruk
I'm happy with automatic renewal from Tesco's saves me having to remember. Strangely my girlfriend's letter said it would expire if she didn't renew


Trouble is if you are running a business its far more sensible not to get tied in with providers of anything (from insurance to broadband to electric) otherwise you start losing money bigtime, if you're just insuring your gf's clio its not gonna affect your pocket money:)
banned#16
goldmax
Trouble is if you are running a business its far more sensible not to get tied in with providers of anything (from insurance to broadband to electric) otherwise you start losing money bigtime, if you're just insuring your gf's clio its not gonna affect your pocket money:)


I think £300 of £1700 is a bigger hit than £300 of £100,000 unless you're talking fleet in which case hire vehicles would be your better option :whistling:
#17
goldmax
so what happens if you don't get the renewal in the post (you are relying on royal mail ) and your circumstances have changed?



Tell them you dindnt get a renewal reminder, put it all down in a letter and send recorded delivery , also put it into disput with your credit card providor, even better if it was took by direct debit you can get it all back straight away using the direct debit guarantee
#18
Yes - well-named.

I received a renewal notice at about £100 more tha the previous year. I returned the notice and informed them in writing that my policy should not be renewed.

And, YES, the renewed it and denied receiving any letter.

My advice is not to say yes to this bunch of crooks.

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