I've had an issue with my renewal of car insurance, which effectively resulted in a period of time where I had no insurance, yet the company had taken money from my account for the new policy.
I got notification of the renewal and the letter stated that if I wished to stay with the company I didn't need to do anything, just sit and wait. I decided to stick with them as they had knocked a good bit off last year's premiums and I was happy, so I did as instructed, i.e. nothing.
A couple of weeks went by and nothing happened. So I contacted the provider and they were happy enough with the renewal. More weeks go by and no certificate. Now the insurance has lapsed and there's still nothing and when contacting the insurer I get the phone equivallent of a shrug of the shoulders and the statement that my policy has lapsed and that I should go through the quotations system again.
In a situation of having no car insurance (fortunately I was able to not drive during this period), I thought that as they'd fecked up somewhere I should sod them and get a different quote, I did and ended up saving even more. Problem is, the original company then take money from my account and still don't send through any certification or discs.
I contact them again asking why they took the money and told me the policy no longer existed and that I didn't need their insurance anymore. In response to this they sent through the discs and took more money from my account.
Effectively the original insurer left me in a position of having no insurance, despite telling me orignally that all was fine. They then lapse the insurance and then magically renew it.
Before I get onto them with a long letter of complaint and ask for my money back, I just wondered whether:
a) Anyone else has experienced this?
b) They stated that I didn't need to respond to the renewal if I wished to stay with them. Is this right?
c) What are the aspects of this and leaving me with no insurance? I did everything they asked (even though this was to do nothing) and I had a period of 2 weeks uninsured.
thanks in advance.
I got notification of the renewal and the letter stated that if I wished to stay with the company I didn't need to do anything, just sit and wait. I decided to stick with them as they had knocked a good bit off last year's premiums and I was happy, so I did as instructed, i.e. nothing.
A couple of weeks went by and nothing happened. So I contacted the provider and they were happy enough with the renewal. More weeks go by and no certificate. Now the insurance has lapsed and there's still nothing and when contacting the insurer I get the phone equivallent of a shrug of the shoulders and the statement that my policy has lapsed and that I should go through the quotations system again.
In a situation of having no car insurance (fortunately I was able to not drive during this period), I thought that as they'd fecked up somewhere I should sod them and get a different quote, I did and ended up saving even more. Problem is, the original company then take money from my account and still don't send through any certification or discs.
I contact them again asking why they took the money and told me the policy no longer existed and that I didn't need their insurance anymore. In response to this they sent through the discs and took more money from my account.
Effectively the original insurer left me in a position of having no insurance, despite telling me orignally that all was fine. They then lapse the insurance and then magically renew it.
Before I get onto them with a long letter of complaint and ask for my money back, I just wondered whether:
a) Anyone else has experienced this?
b) They stated that I didn't need to respond to the renewal if I wished to stay with them. Is this right?
c) What are the aspects of this and leaving me with no insurance? I did everything they asked (even though this was to do nothing) and I had a period of 2 weeks uninsured.
thanks in advance.