Product insurance - Renewal issue
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If you do not wish to renew your policy, simply contact your insurer prior to the expiry of your old policy (some insurers may demand that this contact is made 28 days prior to the expiry of your old policy) and state that you do not wish to have your policy renewed. Ask them to send you confirmation that your policy will not be renewed in writing. You should also contact your bank and instruct them not to pay any more direct debits to your insurer following the date of the expiry of your old policy.
If your policy has automatically renewed and you wish to cancel it, UK insurance rules state that consumers have a 14-day “cooling off” period when they purchase most kinds of cover. So if you want to end a policy within two weeks of receiving your documentation, you should receive almost a full refund of your premiums. But you may have to pay an administration fee (typically less than a full cancellation charge) as well as the cost of however many days you were covered for.
If you think the charges you face for cancelling your policy are unfairly high - or if you have had to make a change because of what you think is a mistake on the insurer’s part - you can complain to the company directly. Ask for an address for customer services, and write giving clear details of your case - such as what happened, when, and why you think you have been unfairly charged. Further, if no resolution can be obtained in this way and you are faced with having to pay for another year of a policy that you neither need nor want you can escalate your complaint to the Ombudsman. resolver recommends that you submit your concern in writing, and resolver can assist you in submitting, recording and reminding you when and who to escalate to.
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You should know
- If you’re making a complaint about making an insurance claim rather than a mis-sold policy, check your documents to see who the “underwriter” is. You’ll need to make a complaint to that organisation.
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