AA Home Insurance. Rant alert!

[Roadrider48]

I don't understand how you somehow think that's actually better. At least with AA there is some negotiation where as with a debt collecting company the matter is no longer with AA but that company as they bought the debt in turn there is no negotiation. Then it will become a legal matter one which will have to go through the county court for a county court judgement when a claim is made. From my understanding you cant take legal action in the courts since you are the debitor, only the creditor can (this could be wrong). This is where you would make your defence by filling in the form of not agreeing you owe moeny . On top of that if you refuse to pay then the interest chargers are lets say on the worse side of wongas. If you lose then by god your in the s***ter. You pay back the full amount and sail away to your credit rating.

Note: You etc as in OP not you directly.

Probably not for £100. It was a slightly tongue in cheek response, but hey ho.
The second option is what I would do and I would stick to and even go to court if necessary.
I would argue that it's a mistake by their phone operative.
The "MAN" ain't gonna own me!!

 

[TVC]

I have my H&C with the AA. So far they haven't hiked my premiums, and each year I get a new direct debit authorisation letter for me to sign and return. Have a look into whether you should have received one.

I did used to have AA breakdown cover up until the year they tried to double the premium. I phoned and said no thank you, and they then decided that as a loyal customer they would give me cover at a much reduced cost. I told them they were conmen and explained where they could shove it. But that's another story.

 

[asterix]

Out of interest and playing devils w*****, if Brandane had had a claim during this period would the AA have stumped up, or said sorry sir you are uninsured we hav'nt received any premium?

Yes, exactly my point way up thread.

I have been with the AA, it's extremely unlikely they would put this out to a debt collector as it would make them a laughing stock. In any case the AA would have to show the renewal notice was received by the customer, if it wasn't then no renewal. I think what they are up to is simply sharp practice.

Recently I got a debt* of over £7000 written off by negotiation. The 2 companies simply didn't think it worthwhile to pursue.

*Not my debt, a relative!

 

[Chromatic]

Out of interest and playing devils w*****, if Brandane had had a claim during this period would the AA have stumped up, or said sorry sir you are uninsured we hav'nt received any premium?

Would they ****

 

[glenn forger]

Technically you CANNOT insure the same house or car twice at the same time. Proof that the other policy was taken out would satisfy most insurers to write off any charges.

 

[TissoT]

Out of interest and playing devils w*****, if Brandane had had a claim during this period would the AA have stumped up, or said sorry sir you are uninsured we hav'nt received any premium?

Technically you CANNOT insure the same house or car twice at the same time. Proof that the other policy was taken out would satisfy most insurers to write off any charges.

Just to add ..Its Classed as fraud ..... To have two insurance policy's running at the same time !

 

[asterix]

Just to add ..Its Classed as fraud ..... To have two insurance policy's running at the same time !

Not so, it is called 'double insurance'. It is only fraud if, in the event of a claim, you attempt to recover more than the loss incurrd.

 

[400bhp]

Technically you CANNOT insure the same house or car twice at the same time. Proof that the other policy was taken out would satisfy most insurers to write off any charges.

I think you can? It's ages since I studied insurance but I'm certain the insurers just pro rate any claims.

 

[400bhp]

Out of interest and playing devils w*****, if Brandane had had a claim during this period would the AA have stumped up, or said sorry sir you are uninsured we hav'nt received any premium?

Probably not, no.

There's probably a clause which says that insurance is only valid if premiums are up to date.

 

[vernon]

So to summarise,

The OP couldn't be bothered to cancel his contract but cancelled his payments.

The insurance company gets arsey about non payment of premiums and it's all the insurance company's fault?

I worry about the ever decreasing ability to admit culpability for one's own (in)actions and ensuing misfortunes.

There appears to be no shame in shifting the blame.

 

[glenn forger]

How much is the council tax on the moral high-ground these days?

 

[vernon]

How much is the council tax on the moral high-ground these days?

It's subsidised by the rent free accommodation.

 

[Brandane]

So to summarise,

The OP couldn't be bothered to cancel his contract but cancelled his payments.

The insurance company gets arsey about non payment of premiums and it's all the insurance company's fault?

I worry about the ever decreasing ability to admit culpability for one's own (in)actions and ensuing misfortunes.

There appears to be no shame in shifting the blame.

Did you actually bother to read my OP? Couldn't be bothered to cancel my contract? I took reasonable steps to try and cancel it via the only option given by the insurer.

 

[Cycling Dan]

Did you actually bother to read my OP? Couldn't be bothered to cancel my contract? I took reasonable steps to try and cancel it via the only option given by the insurer.

I got there postal address for all insurance enquiries or the email us section which again covers all enquiries. I take it you tried these too. Maybe you should if ringing them didn't work them two times.
Shockingly this took 20 seconds to find on the contact us section on their website.
https://www.theaa.com/common/contact_us_form.jsp
The Customer Care Unit
AA Insurance Services
PO Box 2AA
Newcastle upon Tyne NE99 2AA

 

[sazzaa]

I had a similar problem with Swinton and car insurance, they phoned me a month before my insurance was up to see if I'd like to auto-renew, to which I said something like "no, but if I change my mind I'll call you". They phoned me about every two days after that which I ignored, then sent me a letter saying thanks for auto-renewing and that my policy had increased! One stern phonecall later with me reminding them I had refused the auto-renewal and them saying they can check the phonecalls etc, finally my response of "right then I'll be down at your office to sort this out in person in ten minutes" seemed to fix it, the lassie abruptly informed me she had cancelled it and hung up. Seems they think they can get away with anything when it's over a phone or a letter, but in person? Well that just sounds like hassle...