on the 26th April i took out car insurance through the RAC to start as of the 28th April - i have been a breakdown customer of theirs for years and thought they were a reputable company so was happy to take out their car insurance.
I had a bump in July 2010 whilst insured with Auto Direct The accident was not my fault and never affected either my excess or NCB and the underwriters received their money back from the other drivers insurance company.I renewed my insurance last year with Auto DIrect and no mention of the accident appeared in my policy details. I declared this non-fault accident on my application to RAC and thought no more of it.
On the 30th April my policy documents arrived - i checked them and they were all fine.
Today -1st May - i received a letter from the RAC dated the 28th April advising me that i had not declared the accident and if i did not reply to them in writing with documents from my previous insurers (AUTO DIRECT) stating that the accident was not my fault they would be increasing my policy by £100 and taking this amount from my bank account immediately - they gave me until the 29th April to get this paperwork to them - yes that's right they have given me a negative 2 days to not only respond in writing but also get paperwork from previous insurers. Sure enough i checked my bank account and £100 was taken from my account on the 29th April.
Understandably i was a little annoyed - I called the underwriters who dealt with the claim on my accident and as far as they were concerned the claim is closed, it was never me at fault and they have received all monies owing to them from the other drivers insurance company, i called Auto Direct who were a little more evasive and apparently are refreshing their system.
Soooo i called RAC to try to explain the situation and get my £100 back - uhhmm - not as easy as you would think, i spoke to an advisor who was not really a lot of help and offered me £5 compensation (doesn't even cover the cost of the phone calls!) but not my £100, so i asked to speak to his manager, who after basically calling me a liar and accusing me of lying on my application for insurance eventually offered me £20 compensation, but still not the extra £100 they have taken from my account with no warning. She didnt seem to think that sending a letter dated the 28th April requesting a written response by the 29th April which only arrives on1st May was an issue.
Needless to say i will be on the phone to Auto DIrect tommorrow morning.
I think it is scandalous that a company can just take money from my bank account without any warning or permission from myself, luckily i had enough in my account to cover this £100 as well as all the other bills that normally go out on the 1st of each month. I guess i will be spending a lot of time on the phone again tomorow trying to sort this!