Has anyone had their car off the road, taxed, not insured and insurance company looking for payment?

I took insurance with Elephant in May 2004 and moved into a new house in February 2005. It was renewed with Elephant in May 2005 and I received my documents which were forwarded onto my new address. I failed to inform Elephant that I had moved house and supply them with my new address, so in May 2006 they sent insurance documents to my old address which I, obviously, did not receive.

They tried to take payment for a years insurance from a credit card which has since been cancelled. Since all their correspondance was to my old address, I had no idea what was going on. Now they are wanting me to pay for insurance for the period until they cancelled the insurance.

My car was 'off the road' for a period of 2 months because I was looking to sell it. It was taxed and located on private property but was not insured. I've since decided to keep the car and have insured it elsewhere. Elephant will not accept this to right off the debt. Has anyone else had this issue & how was it resolved?

Update:

I contacted Elephant who will right off the debt but only if I can prove that it was 'off the road'. I can't, it was taxed therefore I didn't need a SORN. DVLA have confirmed that I don't need a SORN but they've got a department which deals with these kind of things. So I've to send them a letter and they'll see what they can do. I was just wondering whether anyone else had the same problem.

Update 2:

I've paid the payment because it went to a credit recovery agency because obviously Elephant were not getting a response to written correspondence, since I no longer live at the address they have on file. Elephant are not concerned about my change of address because I no longer have insurance with them. That's not the issue. They are willing to write the debt off if I was insured elsewhere at the time of their policy, I wasn't because I didn't insure it from May to July, since I was looking to sell it and had other means of transport.

Or that my car was off the road. It's proving that the car was off the road because I didn't need a SORN because it's taxed till September.

Update 3:

"It's pretty darned hard to sell a car unless it can be test driven; sounds like during this time, if there was an accident, Elephant would have had to cough up the money for the accident - you're going to have to cough up money for the time the policy was in effect. "

No Elephant wouldn't have had to cough up anything. I wasn't in receipt of any insurance documents from them. I never renewed my insurance with them. They sent documents to my former address and assumed because they had heard nothing from me, that I was happy to renew another years insurance with them. They really should have cancelled the insurance policy when they failed to collect payment from a cancelled credit card but didn't and continued to insure me until they decided to cancel it because they hadn't heard from me. The car was never advertised for sale. I was looking to trade it against a new car and took it off the road so as not to run up unnecessary mileage. Which I'm entitled to do.

11 Answers

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  • 1 decade ago
    Favorite Answer

    Sounds like you owe them the money unless you didnt sign a policy or contract. Sorry

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  • 1 decade ago

    If you had valid plates on the car, it wasn't "off the road" to sell.

    It's pretty darned hard to sell a car unless it can be test driven; sounds like during this time, if there was an accident, Elephant would have had to cough up the money for the accident - you're going to have to cough up money for the time the policy was in effect.

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  • 1 decade ago

    The onus is on you to advise the insurer of a change of address or other changes in your circumstances.

    When you take a policy that includes automatic" renewal it is unfair to turn round to the insurer months after the event and claim that you owe them nothing. They provided cover in good faith and would have paid if a claim had arisen.

    All the trouble and expense has fallen on them because you failed to do your bit.

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  • 1 decade ago

    There is probably something in the papers you signed with them which states you must inform them if you move. If you didn't inform them of that, and they insured you for a period of time, you owe them for at least the months they had insurance on your vehicle. Pay them. You have given the Department of Motor Vehicles your new address haven't you? For your license and your vehicle? If not, you'd better. If your insurance was canceled for non payment, they may have already taken your license.

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  • 3 years ago

    Is My Car Road Taxed

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  • Anonymous
    1 decade ago

    "They tried to take payment for a years insurance from a credit card which has since been cancelled."

    Yes it they sent a reminder, I had my rrenewal from Tesco and it said If im happy with the quote and details I don't have to anything as my card is already on file and they would automatically take it out - that is what probably has happened in your case.

    Also you should have informed Elephant about change of address and you wanted to canceal.

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  • 1 decade ago

    If your car was LEGALLY off the road,

    I.e You Had registered it S.O.R.N (Stat. Off. Road . Notiftcation) you may have a leg to stand on.

    Else check your fine print. My Bike insurance offered to do this

    buy saying, sign here and we will notify 2 wekks before re-newing, if this is the aggrement your 'fupped' if money was took.

    However, the insurance SHOULD be invalid because no payment recieved....

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  • 1 decade ago

    If you didn't cancel your insurance, you're liable for them covering you. The fact that you didn't have the car on the road for a period has no bearing on the matter.

    My advice is to pay your debt before they send it to a collection agency and ruin your credit rating.

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  • 1 decade ago

    I think you may have to pay as it is not their fault that you failed to inform them of your new address which you should have done straightaway!! Make sure you always do as your insurance might have been cheaper had you moved to a better area than where you were before. Best thing to do is to ask your local Citizens Advice Bureau - their advice is free.

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  • Nimbus
    Lv 5
    1 decade ago

    Phone Elephant, ask to speak to the compliance officer, I suspect that this will all go away

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