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AA Insurance - this is a bit heavy handed


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Hi,

 

It's time to renew my house insurance. Had my renewal in from the AA and I could get it through my bank £50 less.

I thought I had made my last payment and cancelled my DD.

Today I get a letter from AA saying I had defaulted on my agreement and must pay the outstanding amount (1 month) plus a default charge by the 26th or the will debit my card of the total amount.

Im steaming about this, I would of thought the insurance would go from year to year not year to year plus 1 month.

If they had just sent a letter saying that there is still one month outstanding can you pay this balance I would of been fine, but to send out a default notice as well is a bit extreme.

I'm going to send the outstanding monthly payment but they can stick the default payment.

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actually i'd not do that

 

where does it say they can auto renew without consultation......

 

nowhere i bet.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Dx, thanks for looking in on me, are you saying don't send them the payment which is outstanding?

Problem I have is I don't want them to hold onto my 'no claims 'bonus certificate

 

On my renewal quote is says them normal that I don't have to do anything to renewal etc.

 

JJ

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Just send AA a letter explaining that you had arranged alternative cover from the renewal date and no longer needed their Insurance. Enclose a copy of the new Insurance policy schedule, so they can see the alternative cover. In the letter you could say that you had contacted their helpline regarding lapsing from renewal, so don't understand why they think the policy is still continuing and money due. You could well strike lucky and they will just cancel from renewal, writing off any monies due.

 

You have to be careful these days. Insurers are increasingly using automated renewals, on the basis that customers do not read their documents and they can get away with continuing to make demands for premiums, even if the customer has gone elsewhere. If you never want automatic renewals, as you want to shop around each year, all you have to do is phone the Insurers to ask them to switch off the auto renewal feature. They have to be able to do this per FSA rules.

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Had my renewal in from the AA and I could get it through my bank £50 less. I thought I had made my last payment and cancelled my DD....If they had just sent a letter saying that there is still one month outstanding can you pay this balance I would of been fine

The other replies seem to be assuming it's auto-renewed and they're chasing you for the new policy's premium, but I read your OP as saying you'd cancelled the DD too soon before you'd fully paid this year's policy? Which is it?

 

If it is auto-renewal, then you would've agreed to it when you first took out the policy.

 

I'm going to send the outstanding monthly payment but they can stick the default payment.

Again you'll have agreed to the original terms which would've included a fee for non-payment/DD failure. Even if you pay off the premium in full that fee will still be an outstanding balance. Whether they chase it as a debt or not I don't know.

 

Problem I have is I don't want them to hold onto my 'no claims 'bonus certificate

Home insurance no claims isn't as formal as car. There isn't really a bonus certificate, and you wouldn't be asked to prove your NCB with written proof like a car policy.

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