€15 penalty for missing a car insurance payment

[Wishes]

I recently missed a monthly car insurance payment by direct debit. I called the insurance company who informed me that they would recall for the DD again.

They called for the payment a second time but also collected a €15 penalty as a late payment fee.

I thought a bit expensive but my protests went on deaf ears.

I know the bank has a right to charge me a for the direct debit missed but are the insurance company in the right to collect their penalty on top of my monthly repayment?

 

[vandriver]

Presumably its in the T&Cs.I don't see why you personally shouldn't cover the administration bill .

 

[Leo]

I'd imagine it cost the insurance company more than €15 in the time spent on this in terms of staff costs, etc.. So hard to argue with it, and as vandriver says, it's almost certainly covered in their small print.

 

[vandriver]

After replying to this ,I checked my own insurance policy.€20 for a missed direct debit!