The copy of earlier insurance policy effectively owns the car until the designated proprietor or driver of the vehicle. There is an app for Apple and the.

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Many firms now automatically renew customers' car insurance each year, but some customers are finding it difficult to cancel and some are even facing fees when they succeed.
Nigel phoned AA Insurance to say he had not wanted to renew his insurance, and that he had written to say as much. Renewal deposit Carl received his renewal notice within eight weeks of his insurance expiring, and after the 10th payment had gone out of his account.
AA Insurance said it mentioned auto renewal both when the policy was taken out and before it was due to lapse: "When we sell new business on a continuous renewal basis, we always tell the customer that is how the policy will be renewed. Cyclist Sir Bradley Wiggins becomes the first Briton to win eight Olympic medals as GB win a third gold on day seven plus three silvers. He wrote to AA Insurance to say he did not want to renew his policy but when he checked his bank account, he found the AA had taken a payment for next year's policy, as he told Radio 4's Money Box programme: "I noticed that ?293 had been taken out without my knowledge.



But the AA told him it had not received the letter and so his insurance had continued.It said he would have to pay a ?43 cancellation charge if he no longer wished to be covered.
So he rang his local branch to say he would not be renewing as he wanted to shop around for a cheaper quote: "When I looked at the bank statement on the 11th month they'd taken a payment out again. Nigel complained and the charge was dropped.But the BBC has learned other motorists have also had their insurance renewed against their wishes with different insurers. I rang them and they said they always do this because it makes sure customers have continuous cover, should they decide to stay with them. When a policy is taken out, the customer is fully informed of this pre-renewal deposit and this information is also included within our terms and conditions received by the customer."But when Money Box asked what "fully informed" meant, Swinton said that meant it was in the terms and conditions.
But it also very clearly says that if they do not want to renew they need to call us to tell us." Cancellation proceduresThe AA said it did not receive Nigel's letter of cancellation, and that if a customer contacted them at any time to say they did not want auto renewal, it would act on this instruction.


When Money Box looked for the reference, it was found more than halfway down a 4,500-word document. Swinton said its procedure of taking a month's deposit in advance might have started before Carl notified the company that he no longer wanted to renew, and it refunded his payment straightaway. Nigel from South Gloucestershire took out insurance with the AA and his insurance renewal came up about 11 months later.




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