The insurer is First Central - I know, I know, lesson learned.
I switch my car insurance provider most years however one year I forgot to opt out of continuous payment and the full years premium was taken out of my account. I contacted my bank and they got the money back for me pretty quickly. I was unwell at the time and didn’t use the car for a few days, it was parked on the driveway so I didn’t get round to sorting the insurance until two days later.
Following this I called First Central to explain that I was now insured elsewhere and wouldn’t be needing to insure with them. First central have been trying to make me pay approx £50 for the two days worth of insurance when the car wasn’t covered (even though I didn’t drive it). They said the car needs to be insured continuously and I’d be committing an offence if it wasn’t. I told them I wasn’t paying and prepared to take the risk for a few days.
I have been ignoring their letters and it’s not been referred to debt collectors, BPO.
I’ve searched the internet but can’t find any relevant information anywhere. Can they legally uphold this charge?
Can anyone give me any pointers ok for where to go for advice?
At this point, as a matter of principle, I’d rather pay the fine to the DVLA for being uninsured than to give these tossers any money.
The reviews for First Central are shocking. How on Earth is such a crooked company still allowed to exist??