Car insurance didn't auto-renew last January!!
Discussion
Wifey just had a letter from MIB stating er car was not insured 
She has no idea why and has never opted out from auto-renew. Can't get hold of them right now. Now me being cynical about these things would think had She had to make a claim after the last payment they would refuse to pay out. But asking them to renew it now they would expect three months 'back pay' ?
Any thoughts appreciated thanks.
She has no idea why and has never opted out from auto-renew. Can't get hold of them right now. Now me being cynical about these things would think had She had to make a claim after the last payment they would refuse to pay out. But asking them to renew it now they would expect three months 'back pay' ? Any thoughts appreciated thanks.
My thoughts are that you want to ensure they confirm you have been continuously insured.
Starting it from now might save you three months but you will have been uninsured for that time and anything could come out of the woodwork.
It's probably an admin error. I once discovered half a dozen cars weren't showing on the register but my broker confirmed I had been insured and that it was due to them failing to notify whoever it is they have to inform.
Starting it from now might save you three months but you will have been uninsured for that time and anything could come out of the woodwork.
It's probably an admin error. I once discovered half a dozen cars weren't showing on the register but my broker confirmed I had been insured and that it was due to them failing to notify whoever it is they have to inform.
Scenario 1. The policy did auto renew, money has come out of your account, but the car hasn't been added to the database. In which case you are insured, always have been, any claim would have been paid, and a quick phone call should sort it with them adding it on to the database.
Scenario 2. The policy didn't renew, no money has been paid, and you have been uninsured since January. You haven't been covered, a claim wouldn't have been paid, and your insurers can't sell you a policy from January even if they wanted to because it's illegal to backdate insurance.
Auto renew isn't a legal requirement that insurers have to provide. It's a service they offer, but ultimately, the onus is on your wife to ensure it's happened. If you never paid any money, never received any documents, by post or email or whatever, that's on you. Their failure to auto renew is a mistake it was down to you to spot.
Scenario 2. The policy didn't renew, no money has been paid, and you have been uninsured since January. You haven't been covered, a claim wouldn't have been paid, and your insurers can't sell you a policy from January even if they wanted to because it's illegal to backdate insurance.
Auto renew isn't a legal requirement that insurers have to provide. It's a service they offer, but ultimately, the onus is on your wife to ensure it's happened. If you never paid any money, never received any documents, by post or email or whatever, that's on you. Their failure to auto renew is a mistake it was down to you to spot.
TwigtheWonderkid said:
Their failure to auto renew is a mistake it was down to you to spot.
Good advice as usual from Twig.I'm with LV for two of my vehicles (Astra GTC and E89 Z4); premiums have dropped considerably over the past two years with them, so no complaints from me.
However for some reason this year, when the renewal email came through, there was a link to "renew". So no automatic renewal this time.
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