14 replies to this topic

[fenghuang]

I've been told by my (old) insurer that they have the legal right to take payment from my bank account for automatic renewal without my consent.

Does anyone know it this is correct?

[David128]

Hi found a link for you.. Know your rights .. 

 

http://www.confused....als-your-rights

[fenghuang]

Thanks. Interesting.

Bunch of ****s. (Thats insurance companies, obviously, not you.)

[Steve220]

Unless it's written in their policy terms and conditions.. Then they do have the right,

[Ethel]

Other way round, they'd need your specific consent. Not a clause hidden in the terms and conditions. 

 

They don't even have the legal right to keep your payment details.

 

I used chargeback when they did it to me. You could do the same, but check you didn't give them permission to auto renew when you took the policy out. Either way they should have given you a couple of weeks' notice before taking it

[David128]

If they haven't informed you In due time that they intend to renew usually at least 3 Weeks you should be able to argue a case. I fell foul myself because I didn't read the date. We live and learn

[fenghuang]

They may have sent me details to an email account I rarely use. Thankfully my card expired and the payment was declined. I moved to another company. Hee hee.

[David128]

Nice one 

[nicklouse]

They may have sent me details to an email account I rarely use.

is that not rather stupid? they could have informed you of anything and you would not know. they may have even cancelled your insurance and you would not know.

 

and you would not have a leg to stand on if things went wrong.

[fenghuang]

A fair point. I find things sink to the bottom of the email pile very easily, which is why I'm not giving my email to an insurer any more. Landline and postal address only!

[whistler]

For those on Windows, for years I've used a program called Thunderbird (it's from Mozilla Firefox people) that's free and handles all my email accounts in one program. It's all I've ever used and never missed an email. Check it out. There's an app for Android that's similar, called K9 mail.

[fenghuang]

For those on Windows, for years I've used a program called Thunderbird [...] handles all my email accounts in one program.

The email app on the iPhone can handle multiple acocunts as well, but that would defeat the one of the aims of having multiple email accounts and aliases for me. It means I can provide an email address necessary to obtain a particular service and know that I won't have to wade through the mass of marketting emails that will inevitably result, just to read find the emails I care about.
This is the first time I've missed an important email on this basis (I've missed far more because of service providers' spam filters) and will be insisting on paper notifications from now on, wherever possible.

[pothole]

The same thing happened to me with Adrian Flux it was not to my knowledge on automatic renewal, the insurance was due on 5th May, a renewal price was sent to my email on 22nd April and money was tried to be taken out on the 23rd April but luckily my card had expired, then I was sent a text of this.

 

They wanted £106 for the sidewalk, a phone call and a swish of their magic wand took it down to £86.30 after I quoted another company, so its a good thing my card had expired, and I asked the girl on the other end to cancel the automatic renewal

Edited by pothole, 10 May 2016 - 09:29 AM.

[1984mini25]

 but luckily my card had expired, then I was sent a text of this.

 

I've just auto renewed my insurance, mostly because it was almost the cheapest with all the extras included. But my card expired 3 months ago, but on the renewal letter I was sent 3 weeks ago it had my new card details and that was without me informing them.

[sonikk4]

Most companies if not all send you a paper reminder for the when you are due.