car insurance

Guffy

My car insurance was up on march 1st. I couldn't afford to renew it at the time but my insurance firm did so automatically because I had not told them not to do so. Due to me moving house at the time I had not received any of the letters they sent me. Including one saying my policy has been cancelled and I owe them 80euro or so.

I am now looking for insurance again and haven't a notion of paying that 80 quid. Is the insurance company legally obliged to send me or my new insurers my ncb?

djimi

Check the small print in your last policy; it may well be that you signed the policy that included a clause to auto-renew automatically. If this is the case then I dont think you have much ground to complain, other than to cancel the policy now. I got caught out with this with my health insurance a couple of years ago. Ive never come across a motor insurance company that does this though.

MugMugs

Your NCB would be at your old address.

Call the insurer and tell them to piss away off with their automatic renewal. Kick up enough they should drop it.

Guffy

djimi wrote: »

Check the small print in your last policy; it may well be that you signed the policy that included a clause to auto-renew automatically. If this is the case then I dont think you have much ground to complain, other than to cancel the policy now. I got caught out with this with my health insurance a couple of years ago. Ive never come across a motor insurance company that does this though.

Aviva do apparently. Reading through the mail I got a letter saying if I didn't tell them otherwise 8 days before my policy ended it would auto renew.

djimi

gufc21 wrote: »

Aviva do apparently. Reading through the mail I got a letter saying if I didn't tell them otherwise 8 days before my policy ended it would auto renew.

Check the policy that you last signed with them to see if there is any mention of this. If its not written down on a signed document then tell them where to go with themselves. If you have signed to agree to it then you might find it harder to get out of.

Guffy

Whatever about the auto renew policy. Does me not paying this give them the legal right to keep the two years no claims I have built up? Do they have to send it to me or my new provider. As a caviate I haven't actually contacted them yet regarding this. I just want to have an idea of where I stand re ncb before I do.

Fred Swanson

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ironclaw

Fred Swanson wrote: »

This post has been deleted.

Without being funny or argumentative, what difference does that make? I would have though it was tied to the person not the address

Anan1

gufc21 wrote: »

My car insurance was up on march 1st. I couldn't afford to renew it at the time but my insurance firm did so automatically because I had not told them not to do so. Due to me moving house at the time I had not received any of the letters they sent me. Including one saying my policy has been cancelled and I owe them 80euro or so.

I am now looking for insurance again and haven't a notion of paying that 80 quid. Is the insurance company legally obliged to send me or my new insurers my ncb?

Your big problem isn't the proof of NCB, it's the fact that you've had a policy cancelled by an insurance company. You'll be asked about this on every motor insurance proposal form you ever fill out, so you need to get it sorted.

MugMugs

ironclaw wrote: »

Without being funny or argumentative, what difference does that make? I would have though it was tied to the person not the address

Op wants his NCB. It's at his old address.

Anan1

MugMugs wrote: »

Op wants his NCB. It's at his old address.

If it is then it'll be well over 2 months old - I think any future insurer will be asking about the gap.

Fred Swanson

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rocky

I was a named driver on the wife's insurance while looking for a car and the insurance wanted a letter from them for the 4 months ; if I didn't have any insurance, they would probably want a declaration letter to that effect from me...

MugMugs

Fred Swanson wrote: »

Why?

The OP might have decided not to drive for a while.

Companies generally insist on having a gap in cover explained.

Alanstrainor

MugMugs wrote: »

Companies generally insist on having a gap in cover explained.

I presume saying you weren't in the country or similar wouldn't result in any rise in premium?

MugMugs

Alanstrainor wrote: »

I presume saying you weren't in the country or similar wouldn't result in any rise in premium?

Shouldn't cause a problem, no. Would be odd to leave a car especially if it's nice uninsured though.

You can call your insurer and just lay it up. Still covered for fire and theft and you get a pro rata amount back from the premiums paid.