Carole Nash Autorenewal insurance - a little warning.

[gorillaonabik...]

At no point did I instruct Carole Nash to renew my policy. Rather, they unilaterally decided to keep my bank details and took money out of my account without my permission.

The details are:

- They sent me a notice one month ago stating they would autorenew my policy unless I objected. Unfortunately, I did not receive this mysterious, invisible document.

- Carole Nash's 'auto renewals' system started in the summer of this year. Therefore, I could not have instructed them to 'auto renew' when I took my policy out with them in December 2012 (end of last year). It is a physical impossibility as this system did not exist.

- This is the first year of their autorenewals and I am one of the first batch of people to be caught out. Thought I'd warn everyone else.

Sure, I had a good price but seriously... keeping hold of my card details without my permission and taking money from my bank account without my permission????? I am not hugely fussed about the money as I have the insurance but am a touch surprised about the principle.

Simply put, come renewal time next year, I will go elsewhere, never use them again and will discourage everyone concerned from using them. In addition, I wanted to warn anyone with the BCF to be wary of their sharp practices.
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FZR400 (blown engine), ZXR750 (blown engine), ZX6R (accident), CBR600 which had engine issues after which I learned to change gear..., CBR900, CBR924 (stolen), CB600, CB1300 (everything blew up), BMW K1300GT (written off, hit from rear while stationary), Bandit 1250 for a couple of months, Triumph Sprint ST 1050 (nicked) and somewhere in there, I wrote off a Ducati 748 at Cadwell.

[arry]

If that's true that there's nothing in their original terms of business that you were sent at inception of your policy about auto-renewing or holding onto your card references, then I'd be going mental and making a formal complaint

[Pol Anorl]

with swinton I got told it would take £8 in October and auto renew unless I call and cancel it closer to the time.. so I did and money didn't go out..

till my insurance expired and they renewed it and put me overdrawn taking out money without me knowing.
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GOOD GAME BODYGUARD: https://i.imgur.com/8WePGgf.jpg
20:30:37 Pyro.: I don't sort of like men, I take every advantage to choke on dick.
Jewlio Iglesias: You live in Liverpool - Chances are, the front door has already been kicked off the hinges

[anthony_r6]

Did you pay in full or monthly? I thought this was common practice amongst companies if you paid montly.
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Ted : "Maybe he's agoraphobic."
Dougal : "Jack scared of fighting? I don't think so, Ted."

[Rogerborg]

Case law is that silence does not generally form acceptance of a contract, but that conduct can be construed as acceptance.

Specifically, silently relying on an insurance policy for months can be so construed: Rust v Abbey Life Assurance Co Ltd (1979)

If it's only just happened though, eff that, complaint (headed as such) -> ombudsman -> further action. Feel free to take out another policy elsewhere, which will strengthen your position that you haven't accepted Carole Nash's offer.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[thepuma]

I had the same but WORSE with the Post Office. I received a letter just before my renewal to say they would autorenew unless I advised otherwise...I advised them otherwise....they STILL took the money. Even more worrying was that the card I used last year expired during the year and I received a totally new lloyds tsb card number, expiry date etc etc yet they somehow managed to get my debit card details from somewhere and debit my card.

To say I was furious was a huge understatement. When I rang up to comlain I was told their system hadn't been updated and id have to wait 10 days for my refund.

Would NEVER go with them clowns again.
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YBR125 (SOLD) - CBR250R(SOLD) - CBR650F(SOLD) Current - Street Triple
765 RS

[WD Forte]

Been there seen that got the fuckin tee shirt
Footman James did this to me on my bike insurance although I intended to renew anyway so didnt make a fuss.
Dial direct tried to do it on my van insurance even though I speciificaly told them last year not to renew unless I instructed them to
( on the phone not in writing)
I'd change my card so they couldn't get their filthy hands on my dosh
without my say so, but they'll no doubt try it next year.

Norwich Union auto renewed on me a few years back when I never asked them to and took money out of my account when I no longer had the vehicle
I never got the money back

Their smug rationale is that they're 'helping' us
My rationale is they're all a bunch of money grabbing assholes
Its not just insurance companies though.
Not sure of the legalities but know you have to keep an eye on ongoing payments so they cant leech on you.
just sitting back and trusting them isnt a good idea
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bikers smell of wee

[Rigga]

Thanks for the heads up, I'm with carole Nashty, my insurance isn't up till may next year. What do I need to do to stop this happening then? Do I just ring em up a month or so before and tell them?
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Current bike: Honda CBR 1100xx

[Wonko The Sane]

[Rigga]

Will do thanks
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Current bike: Honda CBR 1100xx

[spike_Alike]

I had an issue a few years back with Express Insurance. I got a letter a month in advance telling me my policy would be automatically renewed unless I contacted them. Since I was out of work, I phoned them up to cancel the renewal, no problem.

I had no reason to use that bank account for a couple of months so I forgot about the whole thing. I started to get letters from them claiming I owed them something like £120 and when I checked my bank I'd racked up about £80 in overdrawn fees.

Turns out they had ignored my phone call and gone ahead with the renewal anyway. I didn't even receive any insurance documents from them, or a phone call telling me my policy had started. I didn't get a letter from them saying my new policy had been cancelled due to non-payment.

It took quite a lot of phone calls to get them to drop the £120 since the debt had been "passed on" to another company and there was "nothing they could do about it". Eventually I was able to speak to a manager who only agreed to drop the charges after he was able to find proof of my original phone call.

I never got the £80 bank fees back off them either. I ended up settling it with the bank by freezing the account and paying them £5 monthly.

Don't trust the bastards. I make a point to specify no automatic renewals when I take a policy and phone up again to double-check they are not doing it when renewal time comes around.

I've also had to phone up insurance companies to send me a physical copy of the policy after I found out they only send you an email version. I'm paying more than enough for them to print out a couple of pages and post them to me. What do they expect me to do when I have to get road tax, or the police want to see proof of insurance?

I've had nothing but hassle from insurance companies I dread to think what they'll be like in the event of a claim.
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Bandit 600

[bezzabsa]

wit Tesco for my car..always ask if i want to auto renew, i always decline..cos everytime they send me a renewal I have to argue with them...insured for 500...renewal £1475 on their site 450...I have this EVERY year.....mind you they always beat anyone else...after pissing about!!

[stinkwheel]

I would suggest, given the level of annoyance this is clearly causing, it is high time someone with more free time than me ought to start a campaign of some sort. FIrstly complaining to the people who can actually do something about this.

Unfortunately, those people are the UK government, they would have the power to stop this kind of thing dead. They could make a regulation stipulating specific consent should be gained in order to automatically renew an insurance policy.

That would require either lobbying, people writing letters to their MP, a petition or a combination of the three.
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“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.

[thepuma]

Its a f*cking disgrace to be honest. You ring them to tell them you 100% DONT want to renew....they simply pretend the call never happened and go ahead and take the money. It infuriates me.

Insurance companies are a law unto themselves.
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YBR125 (SOLD) - CBR250R(SOLD) - CBR650F(SOLD) Current - Street Triple
765 RS

[iooi]

A couple of words to the wise...

Stopping and replacing a card. Is more likely not to work. As both Visa & Mastercard have updater systems which allow retailers to update their systems with your new card details.

If you have ever spoken to a company and told them NOT TO debit. Then if they do simply contact your bank/Card provider about it and give them the date you cancelled.
They will then chargeback the amount (refund straight away). If the transaction meant you incurred any charges. Then the bank will refund them.
All the above falls under PSD 2009 (Payment Services Directive) Something you can thank the EU for.....

Never get your bank to do a chargeback if YOU HAVE NOT cancelled with the Ins co.
As this will mean they will REVOKE the insurance and you will have to declare that. Which will cost you big time on EVERY policy you then take out.
SO FORGET LIEING

Best bet is to ALWAYS tell the insurance company. Even if they say in emails that they are not auto renewing. That you wish to cancel at the end of the policy.

As to Stinkwheels idea.
It has already been taken up and many ins co no longer do auto renew's.
But then they get people complaining because they are no longer insured when stopped....
So Ins co's are in a no win situation.
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Just because my bike was A DIVVY, does not mean i am......

[stinkwheel]

[thepuma]

[arry]

[stinkwheel]

[arry]

I'm not saying it's right, and that the practice should continue. I'm merely stating that if it IS auto-renewed on you it should be entirely possible for you to at least know how much it's going to be, and stop it from happening way before it causes you any grief.

There's no defending the auto-renew thing from me; I think it's gash.

[Walloper]

[iooi]

[iooi]

[thepuma]

[arry]