There in lies the rub. Technically it is the drivers responsibility to ensure his vehicle is insured. And that is LV's position. In the context however - an existing customer renewing insurance (albeit with the hiccup of having to begin a new contract so as to get their advertised online price) - in the flurry of the usual letters and emails that followed the call, I failed to do as you say (i.e. check for a document of insurance and a DD deduction from my account). While this may seem an obvious error, bear in mind I recieved a flurry of various renewal letters, insurance documents, T&Cs letters etc which in retrospect related to the "just renewed and then cancelled" policy, rather than the 'start again with online price' policy. So it boils down to what is reasonable? Is it reasonable for me to need to check every document from LV after I had been assured on the phone call that payment would be taken? As an existing customer they had taken money out of my account every month since 2014, so why would I assume there would be a problem? I'm not entirely sure...

You are right; and I have already begun a complaints process. They have sent me the recording of the phone call. So far they have offered me £50, and then subsequently £100 in compensation. However the impact of LV's failure (i.e. driving on UK roads for 4 months withour insurance), if I HAD been involved in a crash then implications (both legal and financial) would have been massive and potentially catasrophic. I don't believe £100 represents fair compensation for this. I am absolutely NOT a money grabbing claim making scrounger - far from it, but I am in no doubt LV would have left me hanging in the breeze should I have tried to make a claim whilst uninsured. My reason for posting on this forum is to sound out people's views and discover if there is any precedent. I would welcome people's thoughts.

Hi Andy. Good point. It was on auto renewal, and LV had renewed it a week ahead of the renewal date at an increased premium. This increase irked me as I'd found a cheaper identical deal (ironically with LV) on a price comparison site. When I rang LV and said "my car insurance renewal is tomorrow, but you've renewed it a week early, you've hiked the price up, AND I've found the same deal cheaper online.... What is going on?". LV's response was that to process this I would have to cancel my just-renewed-insurance and begin a new insurance contract, which I then did..... just as their payment system tipped over....

I'm new - just registered. I'd be grateful for your advice. Mid last year I called to renew my car insurance with LV. At the conclusion of the call I was asked to pay the £40 deposit I was told that their payment system was 'broken' and that I would be called back for payment to be taken later. So far so good. My car insurance renewal was completed.... So I assumed. LV never did call me back As LV had all my details (I had been insured with them the previous year) I thought nothing of it. Several months later I received a DVLC letter informing me I was NOT uninsured. I immediately called LV and discovered that they had not taken the payment (not through any failure on my / my bank's part) and consequently I had NOT been insured for the previous 4+ months. LV have offered compensation of £100, considering the potential financial repercussions to me of their administrative failure (had I been involved in an accident) I am wondering if there are any informed views on precedent in such a situation. I am no lawyer while it is the driver's responsibility to ensure his vehicle is insured, one can equally argue that it is reasonable given the telephone conversation (of which I have a recording) to assume that the onus would be on LV to call me back as promised or to assume they would complete the transaction given they had all my existing details. I would be interested to hear what people think. Many thanks. Mav