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From: Man at B&Q on 19 Jul 2010 06:26
On Jul 17, 12:15 pm, "mileburner" <milebur...(a)btinternet.com> wrote:
> "The Peeler" <peeling...(a)invalid.admin> wrote in message
>
> news:ci0346tksjapagrtrpvam8k0aauetioei0(a)4ax.com...
>
>
>
> > On 17 Jul 2010 05:46:26 GMT, Adrian <toomany2...(a)gmail.com> wrote:
>
> >>Harry Bloomfield <harry.m1...(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.

Rubbish.

You don't need proof to gocompare, and I have *never* been asked for
any proof of NCB when switching compqanies on-line.

MBQ
From: Man at B&Q on 19 Jul 2010 06:29
On Jul 19, 9:18 am, "mileburner" <milebur...(a)btinternet.com> wrote:
> "Adrian" <toomany2...(a)gmail.com> wrote in message
>
> news:8aiaocFg39U2(a)mid.individual.net...
>
> > The Peeler <peeling...(a)invalid.admin> gurgled happily, sounding much like
> > they were saying:
>
> >>>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.
>
> > No, you normally receive the Ts&Cs and policy docs BEFORE you pay - or,
> > rather, have the option to.
>
> I took out a new policy on another car this year and wanted the cover to
> start immediately. When I received the documents a day or so later and
> checked them thoroughly, not everything was correct. However, when I
> disputed the errors to have them corrected I was told that a further £50
> would be charged. I was also told that if I did not pay this further amount,
> the policy would be cancelled and I would be charged £25 plus the time on
> cover.
>
> However, I accept that all this was probably buried deeply in the T&C's. I
> still felt rather cheated though.

Some people need protecting from themselves. The rest of us don't want
to subsidise their stupidity, hence the charges levied.

MBQ
From: NM on 19 Jul 2010 06:53
On 19 July, 09:18, "mileburner" <milebur...(a)btinternet.com> wrote:
> "Adrian" <toomany2...(a)gmail.com> wrote in message
>
> news:8aiaocFg39U2(a)mid.individual.net...
>
> > The Peeler <peeling...(a)invalid.admin> gurgled happily, sounding much like
> > they were saying:
>
> >>>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.
>
> > No, you normally receive the Ts&Cs and policy docs BEFORE you pay - or,
> > rather, have the option to.
>
> I took out a new policy on another car this year and wanted the cover to
> start immediately. When I received the documents a day or so later and
> checked them thoroughly, not everything was correct. However, when I
> disputed the errors to have them corrected I was told that a further £50
> would be charged. I was also told that if I did not pay this further amount,
> the policy would be cancelled and I would be charged £25 plus the time on
> cover.
>
> However, I accept that all this was probably buried deeply in the T&C's. I
> still felt rather cheated though.

More or less the same happened to me and I ended up paying 25 quid to
Swiftcover for exactly nothing, that's the last and only 25 quid they
will ever get from me.
From: NM on 19 Jul 2010 06:54
On 19 July, 11:26, "Man at B&Q" <manatba...(a)hotmail.com> wrote:
> On Jul 17, 12:15 pm, "mileburner" <milebur...(a)btinternet.com> wrote:
>
>
>
> > "The Peeler" <peeling...(a)invalid.admin> wrote in message
>
> >news:ci0346tksjapagrtrpvam8k0aauetioei0(a)4ax.com...
>
> > > On 17 Jul 2010 05:46:26 GMT, Adrian <toomany2...(a)gmail.com> wrote:
>
> > >>Harry Bloomfield <harry.m1...(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.
>
> Rubbish.
>
> You don't need proof to gocompare, and I have *never* been asked for
> any proof of NCB when switching compqanies on-line.
>
> MBQ

I have, and by Tesco.
From: The Peeler on 19 Jul 2010 08:58
On 19 Jul 2010 06:47:40 GMT, Adrian <toomany2cvs(a)gmail.com> wrote:

>The Peeler <peelingthe(a)invalid.admin> gurgled happily, sounding much like
>they were saying:
>
>>>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.
>
>No, you normally receive the Ts&Cs and policy docs BEFORE you pay - or,
>rather, have the option to.


Which insurance company sends out Certificates of Insurance and
Schedules before it gets paid?

If you buy over the phone, do they read the T&Cs to you?
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