More information about your renewal and when payment will be taken
We will send out your new renewal terms via post at least 21 days before renewal for all policies. We hold the right to refuse renewal terms where we are unable to offer a quote with our insurer panel, provided we send you notice 21 days prior to your renewal date, allowing you time to find an alternative insurer.
The price we offer on your renewal notice will be based on the information you provided us with previously. If your circumstances or any other information has changed relating to your insurance during the last year, you must advise us before your policy is renewed. If you fail to inform us, you may not be properly insured; this may invalidate any claim you wish to make on your policy. If you are in doubt about whether something is relevant, you should ask us. The renewal cost will also include our renewal arrangement fee (please see ‘Our Charges’ on page 11 for more details).
We will invite all motor policies on a comprehensive level of cover with the same excess you received on last year’s policy and associated services such as breakdown and legal services will be included free of charge at the basic level of service available. This offer can be withdrawn at any time. If you require an upgrade on your cover or associated services, an additional charge will be incurred.
In order to try and get you a competitive renewal price, we will instruct some of our insurers to carry out a check on your credit records. This does not cost you anything, and the information that they access could be obtained from a number of different publicly available sources, such as credit reference agencies, who may keep a record of the search. This is beneficial to you because some insurers will be able to offer you a significant discount on your premium because the check provides another way in which they can confirm your identity, thus protecting both parties from fraud or money laundering. Regardless of the result of the check, it will never result in your premium increasing. If you do not want us to instruct our insurers to check your credit records, then you must notify us in writing at least 30 days before your renewal date. Please mark your envelope ’Credit Check’.
Where possible we intend to automatically renew your insurance policy where we hold valid payment details. Please see below for specific details. However, if at any point you wish to opt out of having your policy automatically renewed, please contact us at least five days before your renewal date on 01302 554010.
Renewing by Direct Debit
If you pay for your insurance via Direct Debit, for your convenience we will automatically renew your policy and issue confirmation via email, along with your new insurance documents, approximately 1 week before your renewal date. Your Direct Debit collections will continue on or up to six days after your renewal date.
Renewing by payment in full or credit/debit card
If you paid in full by credit/debit card and where we hold valid details, for your convenience and protection we will debit the account from which you paid for the original policy with the full amount of your renewal premium up to five days before your renewal date. If we are unable to take a payment in full, we will take three consecutive monthly instalments. The first payment will be taken five days before your renewal date and the remaining payments will be taken on the same date in the following two consecutive months. Where we have taken payment for your renewal and you contact us before the renewal date to decline the renewal, we will arrange an immediate refund for the amount debited.
If we do not hold valid Direct Debit or credit/debit card details, we will not automatically renew your policy - you will need to contact us to renew the policy prior to the renewal date. You can do this by calling our Renewals team on 01302 554 010 or making a payment online by visiting the Make a Payment.
Where we intend to automatically renew your policy, we will inform you on your renewal invitation at least 21 days before your renewal date. If you choose to buy your renewal online, please note that the £30.00 renewal fee is not included in the online price but that this fee is still payable.
If you have opted against your policy documents being emailed, a £5.99 charge will apply for posted documents.
How to decline an automatic renewal
Please note that failure to inform us that you do not want us to automatically renew your policy before the renewal date will result in a charge of £35.00 in addition to any time on risk charge made by your insurers. If you wish to decline an automatic renewal please contact our renewals team by sending a written notice to our head office, via telephone on 01302 554 010 or by completing this ONLINE FORM