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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

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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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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