J
jordata
Guest
My car insurance was due for renewal end of last month. Without having to ring around a number of companies sent me quotes as I had approached them last year. My current insurer came in cheapest and before the renewal date the rang me and offered me a further 50 euro reduction so I agreed on the phone to renew with them. I paid by DD monthly so they set that up and sent me the new disk. When I checked my bank statement I saw the DD had been drawn down correctly but I noticed that my previous insurer (from April 2005) also had drawn down a DD premium. I checked back on the correspondence they had sent me and noticed a paragraph of a letter entitled "invitation to renew motor insurance" they stated that if i did NOT want to take up the insurance premium offered by them to send back the disk and certificate they'd enclosed. As their quote was higher I had not read through the whole letter. I did not reply to their invitation but they took that to mean I wanted to accept it. I have now sent the disk back to them and asked for a refund of the one month's DD they refunded. I presume that should go smoothly.
On closer inspection of my bank statements I noticed that they also drew down DD's last year. They must have sent me a similar letter which I scrapped as I got I lower quote elsewhere. I would not have noticed the DD's as my husband had insurance with them. So I paid an entire year's motor insurance that I did not want or need. Can a company automatically renew like this without me having to sign a proposal form and/or direct debit form or have any kind of reponse from me? Is there anyway I could get a refund?
On closer inspection of my bank statements I noticed that they also drew down DD's last year. They must have sent me a similar letter which I scrapped as I got I lower quote elsewhere. I would not have noticed the DD's as my husband had insurance with them. So I paid an entire year's motor insurance that I did not want or need. Can a company automatically renew like this without me having to sign a proposal form and/or direct debit form or have any kind of reponse from me? Is there anyway I could get a refund?