From: Adrian on
The Peeler <peelingthe(a)invalid.admin> gurgled happily, sounding much like
they were saying:

>>> 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?

Ever heard of a website?
From: The Peeler on
On 19 Jul 2010 06:47:02 GMT, Adrian <toomany2cvs(a)gmail.com> wrote:

>The Peeler <peelingthe(a)invalid.admin> 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.
>
>You seem to have forgotten the subtle detail that it's in a legal
>contract which you agreed to.

If you buy a policy over the phone and they don't tell you there's a
continuous authority on your credit/debit card, there isn't one. They
can put whatever they like in the paperwork they subsequently send
you.
From: The Peeler on
On 19 Jul 2010 13:04:41 GMT, Adrian <toomany2cvs(a)gmail.com> wrote:

>The Peeler <peelingthe(a)invalid.admin> gurgled happily, sounding much like
>they were saying:
>
>>>> 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?
>
>Ever heard of a website?

Ever heard of buying insurance over the phone? No computer necessary.