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karel35

Just insured a car I no longer own by mistake what do I do?

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Last year I owned 3 vehicles and sold one last year and ownership papers passed on,

I only had it one year,

it was a sports car for the summer.

 

A few weeks ago I got a letter through the post asking if I wanted to renew my insurance and if so it would cost £220,

this was exactly what I paid for my camper van insurance last year and the quote came at the same time,

I always insure it in April and tax it then.

 

As it came at the usual time,

I thought it was a decent price and put it in the drawer to sort out nearer the time.

 

I then got a phone call asking if I wanted to proceed a few days later,

decent price I thought so agreed.

This was on the 29th of march.

 

I then got another letter today asking if I wanted to renew my camper van insurance and thought it was odd as I already had.

It then hit me like a brick what I had done.

I had insured a vechicle I no longer own and the owner has it insured with someone else.

 

I have read by law I have a 14 day cooling off period and I will ring to cancel tomorrow,

but will I get charged fees for cancelling,

if the car is insured by someone else and it was a mistake,

will I still get penalised?

I don't want them making their own rules up while I try to cancel.

 

I can't believe what I have done,

but I'm so used to insuring the camper in April I never checked the reg :!:

 

Thanks for any help

Edited by dx100uk
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just cancel it

they will see you are not the owner by the V5c they check with DVLA


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Confirm in writing


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Confirm in writing
Send them a recorded letter? I always tape the phone call so they cant say any different later on. The thing is I got breakdown with it, nt sure what happens there as its a third party company.

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the breakdown cover is just reinsurance so still a policy so should be cancelled with the main policy. By all menas phone them and follow up with a letter to confirm. that way there is no argument about dates. They record all the calls anyway, obliged to

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