Car Insurance - Paying by DD - Read This

[Azazal23]

Came accross an interesting point in my car insurance with Endsleigh last year. I was paying by Direct Debit at the time cos my premium was that high. It was only that i was looking through my old policy that i noticed they had charged me Payment Protection Insurance and i hadnt even requested it £35.

I rang them up and gave them down the banks and they agreed to refund it even though my policy had expired.

Just a note to anyone who pays vai this method to watch out for seems they just add it on even without you requesting it.

[cwk]

Working for a car insurance company myself, i can confirm that payment protection cannont be added on without the client knowing about it, according to FSA regulations.

However it will almost always be added on and they get round this by stating the price and saying something along the lines of "..this included £xx.xx for your payment protection...£xx.xx for your IPT.." etc.

the only way it will not be added on automatically is if you are retired or unemployed.

[Azazal23]

Very intersting, arnt they even supposed to say how much they are adding on or give you the option of taking it out. Big con

[cwk]

As i said they 'kind' of tell you how much it is they are adding on at the same time they inform you of Insurance Premium Tax, breakdown cover, Motor Legal Protection etc etc

The only thing i can think of as to why people dont realise a lot of the time(I hear this while monitoring calls) is, at the end of a 10-15 minute call after you have already agreed to buy something, people are so anxious to hang up the phone and have a cup of tea they are not really listening.