I've had an identical problem in the past and the bank were not interested because in fact it was authorised (see small print).

Really, even if he has agreed to an auto-renewal (which is in Admiral's standard terms)?

My understanding is that the issue of auto-renewal has been looked into and the ombudsman has no real issue with it. In fact, it has been deemed as a useful feature given how many people simple claim to 'forget' to renew their insurance. If it reduces the number of uninsured vehicles on the road (either deliberately or inadvertantly uninsured), then I can't see why the FSA, OFT or MID would oppose it?

Translation: "Don't tell me what I don't want to hear."

I really don't understand why people don't read what they have signed up to. Is it laziness, ignorance or something else?

I've been with Admiral before and the auto-renewal thing isn't exactly hidden under mountains of small print - either when you first take the policy or at renewal. Your renewal will say quite explicitly, "if you want to renew, you don't need to do anything". You didn't do anything and they renewed - I fail to see where the confusion lies?

I would assume that any judge would view auto renewal as something you should opt into rather than opt out of

.....and by agreeing to Admirals terms and conditions you "opt into" auto-renewal.

Indeed but more specifically, under DD rules, they also have to give you a certain amount of notice once the amount of money is known, of how much they'll take, and on what date. I'm assuming that information was given and presumably ignored.

Thanks all

I phoned them this morning and explained that "before we start the complaint has already been registered with the ombudsmen, the money needs to be paid into my account before close of play today, there is a risk that because of your actions i will default on a mortgage payment and I am already bouncing of my overdraft limit".

The money has been paid directly into my account and i can now see it on my on-line portal. I paid no fees and am relatively happy with the outcome.

FWIW though, i have been an admiral customer many times in the past and never experienced an auto renewal. This feature should be opt in/out and they should not be able to authorize a direct debit without my written consent.

Perhaps i have missed this in the policy i received 12 months ago?. But can any of you honestly say they read the small print in every utility bill that comes through the door? I would hazard a guess that the vast majority do not and that is EXACTLY why this type of practice is created in the first place. It has ZERO to do with protecting dozy drivers, who forget to re-insure, it exists purely to extort money out of the populace by massively inflating your premium and catching people who dont spot this in the 14 day limit with admin fee's

I am not a noob when it comes to car insurance and i spend 3-4 months in the run up to renewal ensuring that my premium is the absolute best available. I also scrutinize any policy details regarding hire car, legals, roadside assistance etc. This is easy to do as they are the headline features and not hidden in the small print.

As Jerry C mentioned before it is most defiantly lesson learned, but it also means that Admiral will never get my custom ever again. Shame really because i have been a customer of theirs many times in the past.

Why won't Admiral get your custom again? you explained your problem and they rectified instantly, now AVIVA, they are a company that you should avoid .

Depends what you mean, I swapped from Direct Line to Aviva this year and got two cars insured for the same price as I was paying for one at Direct Line, then added a 24 year old as another driver for just £300 more.

You have to shop around every year, there will always be a company who want your business more than lots of other company's in the same way that there will be those who clearly don't want your business - and that situation will change from month to month.

Pay monthly (ok it costs more) and you won't lose a lump sum next year like the OP and mark your diary for next year giving yourself at least two months to look at the renewals and gather quotes again.

One thing I will give Direct Line credit for is that your renewal statement and actual policies state your level of no claims, I've been stitched up before by other company's (and I think it was Admiral) who don't do that on the actual policy and who then want an "admin fee" to confirm that after you've left them.

You learn as you go along...

Because in my opinion they never fully made clear a pretty important part of my policy and one that could have wrecked my Christmas.

Would you not be slightly miffed in two grand exited your account without your knowledge and explicit permission?