The AA charged me €20 to cancel road side assistance. Is that even legal?

JackieChang

I paid the €20 but was pissed off. Bunch of scumbags, surely that's illegal.

I want to complain to somebody official. Or would I be wasting my time? Who would i complain to?

Also, to cancel my insurance with them, they want me to send in my tax disc via snail mail and a written letter saying "hello, i want to cancel". Is this how you cancel insurance nowadays?

I'm taking out new insurance tomorrow with a new crowd ( €400 cheaper). So basically I'll have two insurance policies until AA recieves my letter and processes it (probably 40 days or something ridiculous). Is this gonna cause any issues?

Ok venting over, thanks for listening.

Allinall

All that would have been in their terms and conditions, which you would have agreed to when taking out the policies.

Suck it up and read more carefully in future.

User1998

Tax disc? You mean your insurance disc? Yes its completely normal to post your insurance disc back along with a letter of cancellation

And most things with a contract have a cancellation charge. For example if you take out a 12 month contract and pay monthly, if you cancel after 9 months you’ll be charged the remaining 3 months to cancel

bazz26

Breaking a contract early nearly always has a breakage fee. Gas, electricity, broadband, etc. Nothing illegal about it and it's normally stated in the contract terms and condtions when signing up that people don't read.

zg3409

Returning the insurance piece of paper is to try encourage people to not sign up for a years car insurance then cancel a week later or miss the monthly payments yet keep the one year piece of paper in the window. They also apply penalties for cancelling insurance part way through the year.

Beware when signing up to anything they often have hidden catches particularly when you go to cancel. Many companies insist on 30 days notice meaning you pay for 30 more days than you want, e.g. Netflix.

[Steve]

A quick check on their website brought up their 'Terms of Business' which clearly shows the range of fees (incl. cancellation) for their products. You would have gotten a copy of this when signing up too I'd imagine.

Fairly standard stuff and low enough fee too compared to the rest of what they charge. Nothing illegal there.

HorseSea

https://www.boards.ie/discussion/2058254255/the-aa-charged-me-20-to-cancel-road-side-assistance-is-that-even-legal

Make sure you also return the insurance certificate as well as the disc, otherwise they won't cancel and you will be waiting longer.

Atlantic Dawn

Cancelling insurance part way through a policy can result in that insurance period counting for nothing, for example you have 3 years full no claims and then on current policy have 11 months and a day when you decide to cancel it, when getting a new quote you then only have 3 years full no claims. The money you get back when cancelling a policy is not proportional to what's left on it, if your premium is €600 a year and you cancel midway you might only get back €150. In most cases unless there's some huge disagreement or issue it's better to wait out the full year.

Xterminator

reasonable for breaking a contract.