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Do you deny that the insurance expired?
Yes, I'm here.
Did the insurance expire?
I'm not sure what your question is about this?
If your insurance did expire then you are not covered. There is no way around it.
If you had specifically instructed them to extend cover and they did not then there might be an argument that they performed the contract in a negligent way.
You don't seem to be saying that you did that though.
Even if you did they could argue that you should have noticed the money wasn't removed from your account although that is a little unrealistic.
In terms of the finance company, it depends what type of arrangement you have with them.
However, if this is a standard HP then you are perfectly entitled to carry on paying monthly. Until you default upon payment you are free to do that.
I'm afraid automatic renewals don't happen anymore. Consumer watchdog associations complained about them and they were criticised by the OFT.
The finance? It depends on your contract but I would tell them. Apart from anything else they may have their own internal insurance that you can rely upon.
No problem and all the best.
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