NO INSURANCE REQUIRED

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lizduffy's review of Co-Op Car Insurance

★☆☆☆☆

“NO INSURANCE REQUIRED”

Written on: 01/03/2012 by lizduffy (1 review written)

I was insured from February 2010 to February 2012 with Co-op Car Insurance. This year I shopped around and decided to go with Saga Car Insurance.
I came home today to find a Certificate of Motor Insurance 2012 to 2013 from the Co-op. I didn't request it and I don't want it. The first months payment has been taken from my account and I am told I will have to pay a £20 cancelaation fee - is this legal? Can someone advise me how to get my money back?

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Guest's Response to lizduffy's Review

Written on: 31/03/2012

cancell your direct debit return the certificate of insurance and send them a copy of your saga insurance cert with a covering letter stating that the insurance should be cancelled from the starting date of saga this is assuming that you told them in the first place not to renew. Retired cis employee

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Guest's Response to lizduffy's Review

Written on: 25/06/2012

Take them to small claims court, I've done it several times with different companies and won every time. You pay £35 but you get this back when you win. They are required to use a lawyer, you don't have to, so it costs them much more to go to court than to settle. You can do this on-line, but make sure you follow the procedures properly such as send in the documents at the correct date, don't delay, and make sure to give them a letter (recorded delivery) saying you will take them to small claims court if they don't get back to you with the refund within 14 days.

If they took the money from a reputable credit card, most credit card companies allow you to bounce any charge you haven't authorised.

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