2 week insurance clause.

Tristan. · World Chat Champion Joined: 26 May 2007 Karma :

Got my post forwarded to me today, after two months of begging, and my insurance has automatically renewed itself.

Got off the phone with them, and I've been told not only are they keeping my first payment, but they also want a £40 cancellation fee, I also can't cancel in any easy manner, but have to send a sent recorded signed letter along with my certificate. Since I'm scraping by on about £8 a week for food with no spending money, that alone is a bit of a kick in the teeth. Anyway, I'm sure I've heard that if you cancel an insurance policy within the first two weeks it's free. Is there any element of truth to this, or just me being a mental.

(also found out my tax and MOT expired a month ago. This is not a good day)

multijoy · World Chat Champion Joined: 03 Oct 2008 Karma :

Cancel the direct debit, issue a summons in the small claims court for the first instalment.

They can't sign you up for a credit agreement without your consent, which is what they've done.
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iooi · Super Spammer Joined: 14 Jan 2007 Karma :

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multijoy · World Chat Champion Joined: 03 Oct 2008 Karma :

Tristan. · World Chat Champion Joined: 26 May 2007 Karma :

yuri2085 · World Chat Champion Joined: 05 Jul 2008 Karma :

They can roll it over because they will have stated in the old contract tht they reserve the right to continue the cover blah blah; it also mentions something about your safety being the reason why -_-

Tristan. · World Chat Champion Joined: 26 May 2007 Karma :

Haha, ok, it gets a bit easier, and a bit more complicated.

Been through the small print and there are two sections, cancelling within 14 days, and cancelling normally.

as said by various posters, within 14 days there's no cancellation charge just a charge for the number of days you where insured.

outside of the 14 days it's £40 on top.

So thats pretty clear cut. Now for the complicated bit;

The policy started on the 15th of July Laughing

So, if I date the letter today, and get it sent, today, will that count as today?

Polo · World Chat Champion Joined: 05 Sep 2007 Karma :

As long as you call them today to advise of your intention to cancel the policy from it's inception at renewal. They will then log that and go through their spiel on returning the certificate.
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tutton · World Chat Champion Joined: 04 Jan 2008 Karma :

When i sent my cancellation letter off, even tho i phoned they asked for the cert back and a cover letter, they would only refund me from the day they recieved the letter.
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Polo · World Chat Champion Joined: 05 Sep 2007 Karma :

I would have opened a complaint and gone to the Omsbudsmen and the FSA.

You should not be left liable for outside forces like the Royal Mail.

What if they lost it? What then? Ask the insurance company to send you another so you can return that one too, all whilst paying for cover you don't require?
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Tristan. · World Chat Champion Joined: 26 May 2007 Karma :

Ugh called again, much more helpful chap, today as cancellation logged so no cancellation fee. I was already logged cos of my earlier call, but the lady I spoke too was pretty adamant there was going to be a £40 charge, despite the fact she must of logged the call.

Oh well, thread sorted Thumbs Up

I'd say the insurer is fair in this situation, just a bit miffed about the phone operator I spoke to earlier, had me thinking I was down £40 all morning.

Insurer is Devitt, I'll happily use them again.

arry · Super Spammer Joined: 03 Jan 2009 Karma :

Polo · World Chat Champion Joined: 05 Sep 2007 Karma :

Mr Hammers · World Chat Champion Joined: 10 Jul 2008 Karma :

Glad it's worked out ok in the end for you. Thumbs Up

One question, I know they can renew your policy without any go ahead from yourself (mine tried, but luckily my card has changed and I ended up paying £50 less than they were going to take), but as I understand it, you cannot cancel Direct Debits without their consent, can you?

Ages ago I signed up for a free music deal (emusic, I think) and forgot to cancel by the end of the trial period. After no response from emusic for two weeks trying to cancel, I tried to stop the next payment going out from my bank, but they said it takes the other party to agree as well, before they have the authority to stop it.

They recommended that in future, I should do as much as possible using standing orders, as you can cancel that on your own.

Managed to avoid doing anything requiring DD since then.
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superstacker · Traffic Copper Joined: 20 Feb 2005 Karma :

You could have done what I did when Adrian Flux renewed my car insurance without my consent while i was in Iraq.

Go to your bank and tell them that the two charges are unauthorised and you do not recognise them. Tell the bank that you did not ask for an insurance renewal, and they have taken your money.

Natwest returned my money within two days. As automatic renewals are frowned upon by the FSA.