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Renewing my car insurance

I thought I'd do it online this year, so having selected my best quote, I proceeded with it until I reached the page that required my credit card details.

Next, perhaps in response to my hesitating at this point, a chat window suddenly opened. I was thus conveniently able to ask my concern that, if I continued and completed this purchase, was I also consenting to a continuous charge authority against my card?

The reply was that, not only was I indeed consenting, but also further that I could not withdraw my consent online. This could only be done later - by phoning them after I'd purchased.

I told them I didn't like that very much and would defer my decision while I considered it.

Can anyone tell me then if this method is industry standard?

(This was Churchill Car Insurance btw).

Reply to
John Burke
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Churchill, are they not a part of the Direct Line Group.

My DL insurance comes through each year with "if you do nothing your insurance will be renewed using credit card **** **** **** 1234 (only the last 4 digits are shown). From this I do a search and if I find it cheaper I cancel the DL policy by phone. Never had any problems doing it. This said I don't think I have ever found a cheaper provider, though I did change once for personal reasons.

Reply to
In400metreskeepright

I have found a few instances where a one-off payment byu VISA debit over the phone/internet miraculously became a continuous debit authority. there seems to be little you can do about it.

Robert

Reply to
RobertL

Tell your bank you didn't authorise a continuous authority and demand a charge back.

Reply to
Andy Pandy

ISTM that an unreasonable onus has already been created by that stage though.

In my case the bank / card issuer could argue that my agreement to a continuous charge authority was a condition of the original purchase.

Reply to
John Burke

They would need to produce evidence that you agreed to a CCA.

Reply to
Andy Pandy

I've never been asked to set up a CCA for insurance. I'd avoid this company and buy elsewhere. Try a real insurance broker. I can almost always get a better quote this way than I can online.

Reply to
Mark

When you say "could argue", do you mean "could validly argue" ?

I ask because there is nothing in your previous post to suggest that it could.

Reply to
Fergus O'Rourke

If you have not given such authority, just tell your card issuer.

If it fails to act, there is the FOS.

Even if you did give an authority, you can cancel it, and tell the card issuer that you have done.

Reply to
Fergus O'Rourke

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