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Daniel
Daniel, Solicitor
Category: Australia Law
Satisfied Customers: 5467
Experience:  Bachelor of Laws (dist) Graduate Diploma in Legal Practise. Admitted NSW Supreme Court / High Court
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Car insurance paid by the month went into default because of

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Car insurance paid by the month went into default because of expiry year on credit card, Insurance company stated that 2 reminders had been sent out in the mail. These reminders were not received. The insurance company stated that it was now cancelled.
JA: What state is this in? And when did the issue begin?
Customer: Queensland. around three weeks ago.
JA: Has anything been filed or reported?
Customer: In regards ***** ***** matter - no, this was not discovered until there was an accident (my daughter at fault). I rang the insurance (Toyota insurance) company to pay the money and explain, they said it was cancelled.
JA: Anything else you want the lawyer to know before I connect you?
Customer: I bought the car for my daughter and was paying insurance by the month up to card expiry 6/16 and had not noticed that the payments were not coming out. Other companies that I have dealt with when a payment has been overlooked has sent an email or text and it has been resolved over the phone.

Hello
Speak with the ombudsman:
https://www.fos.org.au/

They can make a judgement call.
I do advise however, you may well not have a case.
The insurance policy will state that the payments need to be made. A court will be not swayed that you did not receive the letters, a court will accept that they were sent and the credit card details should have been dealt with.

I wish I could give betters news, but I do not want to provide false info, that leads to false hope.

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