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Photo by Marc Gibaud, Clouds on Tres Cerros and Mount Fitzroy, Argentinian Patagonia

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Photo by Marc Gibaud,
Clouds on Tres Cerros and
Mount Fitzroy, Argentinian Patagonia



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  #1  
Old 16 Sep 2013
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Interesting. I like auto-renew. Sometimes the price goes up, sometimes down. We don't get introductory discounts for new members here. I never have my policy hooked into my bank account, so I pay by check once or twice a year.

Maybe different in the States, or maybe what works for me doesn't work for you. Certainly it'd be different for #4 if he never authorized auto-payment in the first place.

Mark
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  #2  
Old 16 Sep 2013
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It must be different in the States in that case. Here an auto renew (In my and my friends experience) is almost always higher so you end up phoning them and 9 times out of 10 they drop the price.

It's an annual painful ritual for car insurance, bike insurance, house insurance, vehicle breakdown service etc.
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  #3  
Old 16 Sep 2013
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Here in France, and I think in a number of other European countries, auto renewal is compulsory on any vehicle policy, and has been for many years. This is to ensure that you are at least covered third party ( or civil responsibility) in case of an accident. I am sure the U.K. are following this as part of the harmonisation programme.

That is the only advantage in case you forget. The disadvantages are that renewal premiums go up every year, irrespective of how well behaved you have been, and sometimes by large amounts, because first years premiums are always at reduced rate. ( My own bike policy has doubled in 3 years, so I 'm going elsewhere). In France, insurers must send you an advice of renewal premium ( avis d'echeance) 15 days before your policy reaches it's anniversary, and you are allowed to cancel the policy by recommended letter at that time, and up to 20 days after the anniversary date).

It's a hassle changing because of the paperwork involved here, and a lot don't bother.

Irrespective of where you live and your insurer, it's worth hunting around, and thank goodness for the good ol t'internet.
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  #4  
Old 16 Sep 2013
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Quote:
Originally Posted by Pongo View Post
Here in France, and I think in a number of other European countries, auto renewal is compulsory on any vehicle policy, and has been for many years. This is to ensure that you are at least covered third party ( or civil responsibility) in case of an accident. I am sure the U.K. are following this as part of the harmonisation programme.
I had wondered whether that was the case here as auto renewal seems to have become close to universal in recent years. I'm now going to have to start another wall chart keeping track of what policy is up for renewal when (already doing it to keep track of tax disc / sorn declaration expiry dates) as the insurance companies obviously see a silver lining in what to me is just a grey cloud - auto renewal on one of our cars put the premium up 2.5x a couple of years ago when we were on holiday and assumed the policy would just lapse. Strangely, the cancellation fee came to just about what they'd taken from our account when we rang them a couple of weeks later.

They're not all thieving amoral sharks though - auto renewal on one of the other cars last month was lower than I could find on the price comparison sites so we just let it run.
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