Have sent out letters to Swift and Regal so will just have to wait and see. Many thanks for your help.

I have just read terms and conditions (the ones with the tick box to say you have read them) and there is nothing in there about automatic renewal. They are actually in the privacy statement which you don't have to tick to say you have read them. Does this make a difference.

Trying to find out information for my son. He had car insurance with Swift.Com this ran out October 07. It seems that everything is done online and they sent renewal by email end Sept 07. However he did not have email at that time and still does not. They also automatically renew the policy. This should be abolished. He put a SORN notice on the car 1st November and waited for the scrap people to pick it up which was Jan 08. (They took a lot of chasing). First contact he had with Swift was by letter 17 Jan 08 saying they had been unable to collect payment using credit card. He ignored it because he thought well I did not insure the car so what are you doing trying to collect my money. Next letter 3 March 08 saying pay within 7 days or may have to cancel policy. He replied to this saying he had not renewed the insurance so there was nothing to cancel. Next letter 3 June saying pay £196.26 within 7 days or may have to cancel policy. He ignored this one. Next letter 17 September giving notification of Debt Recovery for £137.27 but they put a paragraph in the letter saying if vehicle scrapped, had SORN or sold etc then call so they can advise what proof is needed to potentially re-assess the balance. He wrote and said he had SORN declaration from 1 Nov 07. They wrote and said provide documentation to prove you did not require this car insurance from 24 Oct 07 to enable us to back date this cancellation further. They also said contact before 30 Sept to either clear the balance or provide the documentation they require. He sent the SORN notification by next day delivery so we know it arrived. Yesterday he had a letter from Regal Credit demanding payment. What does he do. Please help sorry if it is long winded