Strange letter from (UK) Volvo Owners Insurance

[Ronald Raygun]

Indeed, but if you then breach that (by not paying), they no longer need
to honour it.

Oh Yes They Do! If one party breaches a contract, this does not give
the other party the right to breach or rescind it. However, if one
of the terms of the contract is that non-payment allows them to cease
cover by cancelling the policy, then exercising that option does not
amount to "dishonouring" the contract.

If the contract that you _did_ agree to last year
included these terms (and some of them now do) you can find yourself
bound to a contract and owing for it, but with it already cancelled as
far as the cover goes.

I doubt it, except to the extent that you could be forced to pay for
the cover for the short period for which it was actually provided,
i.e. from renewal to cancellation, perhaps with a reasonable amount
added on for admin.

 

[Tim]

... they no longer need to honour it...

.... and then he wrote...

... you can find yourself bound to a contract ...

What makes you think that *they*
don't need to honour it, but *you* do?

 

[Tim]

They were authorised to draw monies from my Visa card

but that was before i realised they were crooks - I acted on this
new information by closing my account (any business) with them ...

So, I take it you wrote to them to cancel the continuous authority?
[And, of course, kept a copy...]

... and you would expect Visa to respond similarly to the new information
...

So, what *did* "Visa" say when you showed them that "new information" -
the letter showing that you had cancelled your authority with the "crooks"?

 

[Toom Tabard]

Do not rely on that belief; make sure you cancel prior to, and with effect
on, the expiration date of the current year policy unless you believe
litigation is entertainment, when you should stick to your fine
principles. The insurer is required to insure you unless and until you or
they terminate the cover, and they will not terminate the policy prior to
its expiration by which time you will already be liable for some further
payment. So it's your choice - play the silly bugger or give them a phone
call.

Tony

The contract is until the renewal date.

Unless there is prior acceptance of a default renewal policy, why
would they be 'required' to continue the cover and why would you be
liable for further payment?

Toom

 

[Roger Mills]

In an earlier contribution to this discussion,

The contract is until the renewal date.

Unless there is prior acceptance of a default renewal policy, why
would they be 'required' to continue the cover and why would you be
liable for further payment?

Toom

Indeed! I've now logged a formal written (well, email anyway) complaint
about the tone of the threatening letter which they sent me - and have
warned them that if I don't get a satisfactory reply within the 8 week
period stated in their complaints procedure, I shall be "obliged" (echoing
their words!) to refer the matter to the Financial Services Ombudsman.

Watch this space!
--
Cheers,
Roger
______
Email address maintained for newsgroup use only, and not regularly
monitored.. Messages sent to it may not be read for several weeks.
PLEASE REPLY TO NEWSGROUP!

 

[JethroUK]

You seem to support Visa moronic actions (follow the rules until you recieve
a form) - I can't help that

I don't need a letter/proof/evidence to avoid spending *my* money on
anyone - i just need an 'inkling' - i certainly won't give them the
opportunity to take £5000 out of my wallet whilst i write a letter - that's
plain common-sense! - likewise i expect my 'wallet representative' to close
my wallet whenever i ask them to - for whatever reason i see fit - You too I
assume?

Of course any business is entitled to act as foolishly as it wants

They were authorised to draw monies from my Visa card

but that was before i realised they were crooks - I acted on this
new information by closing my account (any business) with them ...

So, I take it you wrote to them to cancel the continuous authority?
[And, of course, kept a copy...]

... and you would expect Visa to respond similarly to the new information
...

So, what *did* "Visa" say when you showed them that "new information" -
the letter showing that you had cancelled your authority with the
"crooks"?