Insurance issue
Author
Discussion

ferret50

Original Poster:

2,360 posts

26 months

Sunday 8th September 2024
quotequote all
The insurance on 'er indoors car was set to auto renew, I was tolerably happy with the price so let it go through then cancelled the auto renew for next year.

Insurer has sent an email with attached documents and Askmid shows the thing as insured.

BUT

This was now 8 days ago, and my credit card has not been debited......

soad

34,056 posts

193 months

Sunday 8th September 2024
quotequote all
phone Probably best to call them, or use the live chat function.

E-bmw

11,256 posts

169 months

Sunday 8th September 2024
quotequote all
^^^^ Wot 'e said.

Not quite sure what you expect the internet to be able to help you with.

Your ins. co. are your only port of call here.

ferret50

Original Poster:

2,360 posts

26 months

Sunday 8th September 2024
quotequote all
My point is that a cover note has been issued, the car shows as being covered but I do not appear to have paid!

In the event of needing to make a claim, is the insurer likely to wriggle off the hook on the basis that no premium has been paid, despite docs being issued?

A500leroy

7,093 posts

135 months

Sunday 8th September 2024
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Don't muck about with insurance companies, it ends badly. Phone them and ask.

kestral

2,025 posts

224 months

Sunday 8th September 2024
quotequote all
ferret50 said:
The insurance on 'er indoors car was set to auto renew, I was tolerably happy with the price so let it go through then cancelled the auto renew for next year.

Insurer has sent an email with attached documents and Askmid shows the thing as insured.

BUT

This was now 8 days ago, and my credit card has not been debited......
If you have the certificate of insurance you are covered. The issue over payment is their problem not yours.

Actual

1,356 posts

123 months

Sunday 8th September 2024
quotequote all
kestral said:
If you have the certificate of insurance you are covered. The issue over payment is their problem not yours.
The card expiry date on the original payment method may have "expired"?

ferret50

Original Poster:

2,360 posts

26 months

Sunday 8th September 2024
quotequote all
Actual said:
kestral said:
If you have the certificate of insurance you are covered. The issue over payment is their problem not yours.
The card expiry date on the original payment method may have "expired"?
Card expires 11/25 so it's not that. I'm with kestral on this and I've printed the cover note off for the car file, get a free year and I may go with 'em again next year!

biglaugh

It's just that nagging doubt, perhaps I'll call them in the morning.

essayer

10,240 posts

211 months

Sunday 8th September 2024
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I’d be keeping the certificate of insurance in the car while you drive it

Richard-D

1,510 posts

81 months

Sunday 8th September 2024
quotequote all
ferret50 said:
Actual said:
kestral said:
If you have the certificate of insurance you are covered. The issue over payment is their problem not yours.
The card expiry date on the original payment method may have "expired"?
Card expires 11/25 so it's not that. I'm with kestral on this and I've printed the cover note off for the car file, get a free year and I may go with 'em again next year!

biglaugh

It's just that nagging doubt, perhaps I'll call them in the morning.
At best, they've made an error collecting payment and you're morally obliged to pay them but legally covered.

Potentially there is a clause somewhere stating if you have not made payment within 'x' days policy is voided etc etc. In that case you are morally and legally in the wrong.

You've leapt on Kestrel's answer so that is obviously what you wanted to hear. If you're ok with being morally in the wrong and are absolutely sure the contract doesn't allow room for wiggle room when you cause an accident then you're fine to keep the money.


AmitG

3,438 posts

177 months

Sunday 8th September 2024
quotequote all
I am with Direct Line, I have auto-renew and payment has always been taken around 7 - 10 days after the new policy starts. This has been the case for as long as I can remember.

The first time I rang them and queried it, they said it's expected and don't worry, you're covered and if there's a problem with the payment we know where to find you hehe Never queried it after that.

So maybe in some cases it's normal. But I would call them to make sure.

paintman

7,820 posts

207 months

Sunday 8th September 2024
quotequote all
Despite the assurance of the forum legal seagull I suggest you follow the advice of others & give the insurance company a call to check that there isn't an issue.
Perhaps they're just a little tardy in taking the money but better to be safe than sorry.
You don't want to find some time down the line that your payment has failed & you are standing at the side of a road watching your car being taken away as ANPR etc has pinged you as being uninsured & your call to your insurers has confirmed it.

loskie

6,373 posts

137 months

Sunday 8th September 2024
quotequote all
maybe they dont take the money until after the 14 day cooling off period that they legally have to give you

Yellow Lizud

2,693 posts

181 months

Sunday 8th September 2024
quotequote all
kestral said:
If you have the certificate of insurance you are covered. The issue over payment is their problem not yours.
Rubbish, a certificate of insurance is worthless nowadays. You need a VALID insurance policy, not a worthless piece of paper.

What happens if you cancel the insurance after they have sent the certificate? It's easy to get a certificate that isn't worth the paper it's written on.
However the fact that it's showing up on MIDs is a good thing, so probably OK but as others have said, worth phoning up just to check.

Dingu

4,893 posts

47 months

Sunday 8th September 2024
quotequote all
ferret50 said:
Actual said:
kestral said:
If you have the certificate of insurance you are covered. The issue over payment is their problem not yours.
The card expiry date on the original payment method may have "expired"?
Card expires 11/25 so it's not that. I'm with kestral on this and I've printed the cover note off for the car file, get a free year and I may go with 'em again next year!

biglaugh

It's just that nagging doubt, perhaps I'll call them in the morning.
I look forward to a follow up thread where you ask us about whether you can avoid 6 points for no insurance if it gets cancelled.

Just contact them, in the time you’ve been asking us it would have been cleared up.

loskie

6,373 posts

137 months

Sunday 8th September 2024
quotequote all
Yep: insurance is not to be messed with. It's amazing how blasé some folks are about it.

Sheepshanks

37,815 posts

136 months

Sunday 8th September 2024
quotequote all
Dingu said:
I look forward to a follow up thread where you ask us about whether you can avoid 6 points for no insurance if it gets cancelled.
Maybe things have changed in the digital world but it should be an easy defence if holding a Certicate of Insurance - hence they always asked for them back in the past when insurance was cancelled.

Actual

1,356 posts

123 months

Sunday 8th September 2024
quotequote all
Sheepshanks said:
Maybe things have changed in the digital world but it should be an easy defence if holding a Certicate of Insurance - hence they always asked for them back in the past when insurance was cancelled.
I wonder if I can use Adobe Acrobat Standard DC to "edit" the certificate of motor insurance that I just downloaded???

I just tried it and I can smile

Sheepshanks

37,815 posts

136 months

Sunday 8th September 2024
quotequote all
Actual said:
Sheepshanks said:
Maybe things have changed in the digital world but it should be an easy defence if holding a Certicate of Insurance - hence they always asked for them back in the past when insurance was cancelled.
I wonder if I can use Adobe Acrobat Standard DC to "edit" the certificate of motor insurance that I just downloaded???

I just tried it and I can smile
It's fine to do that. As long as you don't get caught - you could end up with 10yrs inside.

Don't save that edit!

lancslad58

1,439 posts

25 months

Sunday 8th September 2024
quotequote all
ferret50 said:
The insurance on 'er indoors car was set to auto renew, I was tolerably happy with the price so let it go through then cancelled the auto renew for next year.

Insurer has sent an email with attached documents and Askmid shows the thing as insured.

BUT

This was now 8 days ago, and my credit card has not been debited......
What date does the insuance renew ?