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I trust everyone will find this amussing.

in april this year i purchased a car policy and paid in full upon taking the policy...no problem until i went to cancel the policy last week, mid term.

i was told that that if i give them my debit card number they would charge my card with £22.......so i a nutshell i dont get a refund considering i will have 6 months remaining and i have to pay a cancelation fee......in the end i told them i would keep the policy.

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Pretty grim from the 'Number One Motoring Org'


There's nothing like paying monthly for this type of thing !!


Cheeky mares !!



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  • 2 weeks later...

I sympathise with you. Having renewed my rac policy this september and paying my premium monthly i have recently changed my vehicle to a car that they won't cover. I have been told that to cancel my policy after only 2 months not only do i have to pay the £35 cancellation fee but on top of the £70 i have already paid they want an extra £143 for two months cover that i have already paid for!!:-x That makes a total of £248 for two months insurance, I would call this daylight robbery!

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they should not charge you anything as they should be cancelling due to the fact that they are unable to provide cover. You should only be charged on a pro rata basis for your existing vehicle. Go straight to their complaints department.

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  • 3 weeks later...

RAC Insurance is serviced by BISL Ltd (part of Budget). Basically the RAC brand is still part of AVIVA but RAC no longer underwrite their own policies. RAC provide the policy but this is underwritten by 1 of 17 insurers such as Zenith, Zurich, AXA, AVIVA, Provident, Coop etc and so on.


When a policy is taken out you are made aware of charges to your policy such as £20 admin fee, to short term rates if cancelling mid term and these are stated in your policy documents.


For most people who take out insurance year on year claim free or only changing details once a year then this is not a problem. However if you change cars or other risks several times a year then it can work out costly. What RAC are doing is nothing new. Most brokers do the same thing and in comparison RAC actually offer one of the lowest admin fees for changes. (AA are £25)

In Insurance, thinking "It wont happen to me" could mean you dont have the cover you want at a time when you want it! - Dont always reject a Courtesy Car or Legal because you find the cost too much! Whats more valuable? YOU or the Policy Premium?


Please add to my reputation if my reply was informative to you. (click the scales);) Replies offered by me are not linked to anyone, and is from my own personal experience.:grin:

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