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From: Steve Firth on 17 Jul 2010 06:45
mileburner <mileburner(a)btinternet.com> wrote:

> I will not be renewing this year though. The price is too high, especially
> since I have not claimed in about 10 years and now they give you quite a
> large no claim discount (which you lose if you claim/callout), the cost of
> calling them out is so high (in lost NCD) you may as well not bother.

I cancelled RAC cover this year. I've never used it (on either of the
cars covered) the premium is laughably high and I can get pan-European
cover cheaper from my insurers than the RAC basic cover.

I pointed this out to the droid when I cancelled the direct debit for
RAC payments. He didn't seem surprised.
From: mileburner on 17 Jul 2010 07:15

"The Peeler" <peelingthe(a)invalid.admin> wrote in message
news:ci0346tksjapagrtrpvam8k0aauetioei0(a)4ax.com...
> On 17 Jul 2010 05:46:26 GMT, Adrian <toomany2cvs(a)gmail.com> wrote:
>
>>Harry Bloomfield <harry.m1byt(a)NOSPAM.tiscali.co.uk> gurgled happily,
>>sounding much like they were saying:
>>
>>> A couple of weeks ago my renewal reminder from RAC arrived, whilst I was
>>> away. On opening it and reading the bottom few lines, it said not to
>>> worry they will renew it automatically and debit my credit card from the
>>> details I provided them with last year - WHAT, without my permission?
>>
>>No, with your permission. You just didn't bother reading the bit where
>>you gave them permission last year.
>
> Here, read this: Adrian agrees to pay The Peeler 200 pounds a year.
> You've read it. Therefore I have your permission to charge your
> credit card.

With many insurance policies it is invariably buried in the small print and
even disguised with blurb like "for your own protection we shall
automatically renew... etc". Which of course is absolute bollocks. The other
thing they have started to do (with motor insurance) is not send out proof
of NCB until after the policy expires. It's all to stop you gocomparing and
paying over the odds for the renewal.


From: The Peeler on 17 Jul 2010 07:36
On Sat, 17 Jul 2010 12:15:38 +0100, "mileburner"
<mileburner(a)btinternet.com> wrote:

>
>"The Peeler" <peelingthe(a)invalid.admin> wrote in message
>news:ci0346tksjapagrtrpvam8k0aauetioei0(a)4ax.com...
>> On 17 Jul 2010 05:46:26 GMT, Adrian <toomany2cvs(a)gmail.com> wrote:
>>
>>>Harry Bloomfield <harry.m1byt(a)NOSPAM.tiscali.co.uk> gurgled happily,
>>>sounding much like they were saying:
>>>
>>>> A couple of weeks ago my renewal reminder from RAC arrived, whilst I was
>>>> away. On opening it and reading the bottom few lines, it said not to
>>>> worry they will renew it automatically and debit my credit card from the
>>>> details I provided them with last year - WHAT, without my permission?
>>>
>>>No, with your permission. You just didn't bother reading the bit where
>>>you gave them permission last year.
>>
>> Here, read this: Adrian agrees to pay The Peeler 200 pounds a year.
>> You've read it. Therefore I have your permission to charge your
>> credit card.
>
>With many insurance policies it is invariably buried in the small print and
>even disguised with blurb like "for your own protection we shall
>automatically renew... etc". Which of course is absolute bollocks.

Usually when you receive the policy documents and after you have paid.

A continuous authority on a credit or debit card should always be opt
in rather than opt out. Isn't that the law?

>The other
>thing they have started to do (with motor insurance) is not send out proof
>of NCB until after the policy expires. It's all to stop you gocomparing and
>paying over the odds for the renewal.

Which is generally OK, as most insurers don't require proof of NCB
until after they have issued the policy. They give you a limited time
to produce it - sometimes they can go to your previous insurer
directly.

From: The Peeler on 17 Jul 2010 08:23
On Sat, 17 Jul 2010 13:18:11 +0100, "mileburner"
<mileburner(a)btinternet.com> wrote:

>
>"The Peeler" <peelingthe(a)invalid.admin> wrote in message
>news:355346hmj0ec9oj7t7fftrp67ubleiqbb5(a)4ax.com...
>> On Sat, 17 Jul 2010 12:15:38 +0100, "mileburner"
>> <mileburner(a)btinternet.com> wrote:
>>
>>>
>>>"The Peeler" <peelingthe(a)invalid.admin> wrote in message
>>>news:ci0346tksjapagrtrpvam8k0aauetioei0(a)4ax.com...
>>>> On 17 Jul 2010 05:46:26 GMT, Adrian <toomany2cvs(a)gmail.com> wrote:
>>>>
>>>>>Harry Bloomfield <harry.m1byt(a)NOSPAM.tiscali.co.uk> gurgled happily,
>>>>>sounding much like they were saying:
>>>>>
>>>>>> A couple of weeks ago my renewal reminder from RAC arrived, whilst I
>>>>>> was
>>>>>> away. On opening it and reading the bottom few lines, it said not to
>>>>>> worry they will renew it automatically and debit my credit card from
>>>>>> the
>>>>>> details I provided them with last year - WHAT, without my permission?
>>>>>
>>>>>No, with your permission. You just didn't bother reading the bit where
>>>>>you gave them permission last year.
>>>>
>>>> Here, read this: Adrian agrees to pay The Peeler 200 pounds a year.
>>>> You've read it. Therefore I have your permission to charge your
>>>> credit card.
>>>
>>>With many insurance policies it is invariably buried in the small print
>>>and
>>>even disguised with blurb like "for your own protection we shall
>>>automatically renew... etc". Which of course is absolute bollocks.
>>
>> Usually when you receive the policy documents and after you have paid.
>>
>> A continuous authority on a credit or debit card should always be opt
>> in rather than opt out. Isn't that the law?
>
>Dunno what the laws states but there are companies (not necessarily
>insurance) who will *only* accept your business on the basis of continuous
>credit card authority. ISPs web hosts etc.

Indeed. But you should be advised of the fact at the time of buying
rather than after you have paid.

From: Rad on 17 Jul 2010 09:07
On Sat, 17 Jul 2010 18:18:02 +0800, The Peeler wrote:
> Here, read this: Adrian agrees to pay The Peeler 200 pounds a year.
> You've read it. Therefore I have your permission to charge your credit
> card.

Why can't there be some kind of exam you have to take before you're
allowed to use the Internet?

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