Advice needed about insurance dilemma

[vikki1975]

Hi,

I have had a phone call from my insurance broker asking me to clarify if my direct debits have been leaving my account to my insurer (Aviva). They have had a call from aviva saying that they have just done a company audit and it has come about that no payments have been received from me since April 2011.
I had no idea if they had or had not as I pay a book keeper to keep track of all my paperwork and bank statements ect.
As it turns out the payments did stop in april 2011. I did not cancel the direct debit, Aviva have not linked my bank details over to my new poicy at that time when my 2011 policy renewed. They have continued to renew my policy for the last 3 years and it has now come about of this error.
They propose that I budget the last 3 years payments over 12 months direct debit. I am not in a position to ba able to afford this and have said that I use the direct debit method of payment as I have to budget money and cannot be held responsible for them canceling my direct debit.
Normally if you cancel any direct debit the company writes to you and says 'hey you have cancelled the direct debit .....how do you propose to pay or we will have to cancel the policy?'

Can they insist on me rolling the payments for 3 years into 12 months? Am I even liable for there error at all? would they have paid out had I have made a claim in that time as im sure they would have then said you havent paid any premiums?

Any advice would be great

Thanks in advance.

 

[kulture]

Did you make any claims in that period? On what basis are they saying you need to pay? Do they have an agreement with you that the insurance will roll on automatically? What insurance are we talking about, contents or public liability, or employee insurance? If a claim arose for something that occurred in that period, would they pay?