AA Warranty - How to cancel

Honest John Back Room » Motoring discussion
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Tue 1 Apr 2008 12:47
AA Warranty - How to cancel - Garyh2uk
We've had a AA Warranty on our car since we purchased since 2002. We have recently sold the car. I telephoned the AA to cancel and because it was least renewed in March 2007 and we made a claim shortly after we have to pay the installments to March 2009!


In the terms and conditions that were sent to use when the policy was renewed it states

You may cancel this Insurance within 14 days of the conclusion date and obtain a full refund by contacting our Customer Services Department. If We have made a claim payment to You or on Your behalf during this time, You will have to return the money to Us. After 14 days You may cancel Your Insurance but no refund of premium is available.

I believe the conclusion date is 14 days after the commencement date.

On the website the TOC has now changed to

You may cancel this Insurance within 14 days of the Issue Date and obtain a full refund by contacting our Customer Services Department. If We have made a claim payment to You or on Your behalf during this time, You will have to return the money to Us. After 14 days You may cancel Your Insurance but no refund of premium is available and any outstanding premium instalments must be paid to Us in full.

However we were not informed of this change to the terms and conditions

Can anyone explain if we are covered by the new terms and conditions, even if we weren't informed of them?

Regards

Gary H



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Wed 2 Apr 2008 16:17
AA Warranty - How to cancel - kithmo
You are not covered by any new terms or conditions of contract that you have read somewhere else, only the T&C that you have been supplied with by the contracting company.
Although I cannot see the difference between the two you stated above except that you would have to pay outstanding payments if they imposed the new T&C on you.
As I see it, basically both say you can change your mind and cancel the insurance within 14 days of taking it out and get your money back, unless you've made a claim during the 14 day period. The second T&C adds that if you are paying by installments (e.g. monthy) then you have to pay any outstanding payments to the end of the term, which is the same as saying no money returned if you had paid in full rather than in installments.
I can't understand why you have to pay the installments until March 2009 though, was this a condition of making a claim ? or is the term of the insurance 2 years ?


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