Hi, a little after the event, I know, but in case anyone else comes across this, the reason for the insurance mix - up is that the multitronic Audi gearbox is, in fact, classed as a manual. It is actually a clutchless manual gearbox, like DSG or SMG, so insurance companies will always think it's a manual. It is also, by the way, very prone to failure!

This is only because I think with that model of car, an automatic gearbox was an option, not standard. So when you apply to get a quote, they would need to check with their underwriters to get the relevant risk group details and then apply an overide.

The details the Insurers are finding from the reg no. are coming from DVLA database. So if this is showing as a turbo, then the dealer needs to correct the details with DVLA.

You could try with other Insurers or a broker to see if they have the same problem and if so speak to the dealer. Advise them you are having difficulty with Insurance as the DVLA records show the car has a turbo.

The invoice signed does not say if it is refundable or non refundable, it just says deposit

The problem with the insurance is, they cant find the Car.

The Car is a 2003 Audi A4 FSI SE 2.0L Multitronic (automatic)

When they put the registration it finds the car as a Turbo, which it is not.

Even on the insurance compare website, you cant find this car in automatic.

If you contracted to buy the car on trader premises there is no cooling off period and therefore the trader does not have to refund the deposit. When you received a copy of the paperwork confirming deposit paid, what are the terms and conditions. Does it mention that any deposit is non refundable?

If however, the purchase was subject to finance and you cannot now get finance, the dealer would have to refund your deposit. But they would be allowed to retain part of the deposit to cover reasonable costs. If you refer to Trading Standards, they will confirm that any purchase that relies on finance, cannot be enforced, if you are unable to obtain the finance. The finance did not need to be with the dealer concerned. The following thread may help guide you, if you use the reason of failed finance to cancel the order. http://www.moneysupermarket.com/community/forums/t/cancelling-a-car-purchase-42360.aspx

Another thread to help you. http://www.moneysupermarket.com/community/forums/t/i-put-a-1632000-deposit-on-a-used-car-can-i-chang-41642.aspx

In regard to Insurance, it may be that the cars group rating is too high for your age. Other Insurers may still be willing to cover. Try a decent local broker (not Swintons). Adrian Flux have various policies available which might suit your requirements.

You would be best to try to find Insurance elsewhere, rather than lose any part of the deposit, if this could be avoided.

Refund on a Deposit of a Used Car

Hi,

I decided to buy a Car. On Friday I paid £1000 deposit (full price of car £5300).
I called my insurance on Sunday (today) They said they can not insure me on this car.
Can i get my £1000 back?
Isn't there a law that they have to give money back in a certain time frame? I have bought this from a dealer, not private. I have paid by debit card.

(i have paid £1000 of the £5300 only, and not taken delivery yet, £1000 was paid on Friday, refund request will be on Monday).

Link to the invoice signed: http://i45.tinypic.com/2lkuqg7.jpg