There is no way I can claim this back is there??

[FlameInHell]

I changed car insurance, due to start on the 5th, payments to come out on the 5th of each month.

They have taken the initial "deposit" payment on the day I set it up (30th), and not 5th as I expected - our money clears on 1st each month. As I result I went overdrawn and my bank charged me £30

Can I kick off and ask the insurance company to pay me my £30? They didn't say that it would come out NOW, just that it would start from the 5th, and payments would come out on 5th.

Fuming

you can phone and ask, but tbh, everytime something like insurance needs a deposit it is usually taken there and then.

Its crap mate, i know - my bank took a DD 2 days early last month and i got charged £28.... was fuming too.

No not from the insurance people because when you pay a deposit it comes out there & then, did you not give them a card number to pay this? The payments on the 5th of each month will be d/d.

I would call the bank explain what happened & say you just can't afford a £30 charge for a mistake they made, normally they will refund as good will.

worth a try.

I would have set it up 2 days later had I known

The bank's crap - I got charged when DS was 2 days old because (unsurprisingly) I forgot to transfer the money, they said no way

Oh well, I know for next time

they usually ask for a credit card for the deposit and then set up the dd. It sounds like you were mis-informed.

I would complain to the insurance co - they should have made the payment dates clear. do it now because you have an official 7 day cooloing off period so could cancel all together (and they know this).