autonet insurance renewal

[JMANSON]

looking for advice i had a policy with autonet for 2 vehicles, one i took out before buying car and one was a renewal and having issues with them both.

 

(policy A) i took ill and asked a friend to cancel this for me,  which never happened the D/D ran for about 4 months before i got round to cancel this policy, and due to ill health never purchased the car, i have sent a copy of the log book from the owner to show its still in their name and waiting for them to get back to me as they want a cancelation fee

 

(policy B) i was not aware the policy would renew automatically, and neither did i receive any renewal notice, first i became aware of this, upon receiving an text message from finance company telling of new D/D being taken, so this was cancelled within the required time.

 

I phoned Automat and informed them i had not asked for it to be renewed, and neither did i receive any renewal notice, the cars mot ran out at the start of the year and also was sorned.

 

I had no intentions of using this company again as the customer service and ethics don't quite feel right, and they do seem to get a lot of bad reviews, anyway i informed them i did not want to renew the policy and they informed me it would have to be cancelled with no way in reinstating it, which was fine with me as i won't be using this company again.

 

They have now said i owe them £130 for cancelling the policy, even though they have no authorisation from me or anything signed from me for this renewal, but are still demanding i pay this or they will just go ahead and take it off my debit card anyway.

 

The policy had ran for 3 weeks before i realised, it was the text message that i realised and cancelled the D/D with close brothers immediately.

Any advice on this would be greatly appreciated.

 

I believe the policy last year to insure the car was cheaper than the cancellation fee, is an older car that does not get use much 

[dx100uk]

12 minutes ago, JMANSON said:

but are still demanding i pay this or they will just go ahead and take it off my debit card anyway.

then ring your bank and tell them to cancel the CPA 

[unclebulgaria67]

Cancel the Direct Debit Authority at the Bank and any continous payment authority (CPA)

 

Insurance companies can charge cancellation fees, if you try to cancel after the renewal date.  The cancellation fees will be noted in the Insurance policy documents.

 

When you took out the Car Insurance, this would have been on an automatic renewal basis.  This is required by most Insurance companies, as it makes sure you don't inadvertently drive without Insurance, because you forgot to renew or obtain new Insurance.

[JMANSON]

thanks for the advice, i never received a renewal notice from them, nor have i received any documents from them, would this not be protected by the D/D guarantee or cooling off period?