mickonline
Winger
@duff_man is right here so be wary of the other bad advice from others!
If the card was expired they would have contacted your mrs about it before just cancelling as well. Did she get something and forget about it or something?
I don't like using it as an excuse but at the time of renewal i saw the auto renewal come in. I was busy getting grant of probate, breaking up my mothers house, going through all the legal stuff for that and was not in a good place mentally. I just missed (because it would have been me that picks these things up) the cancellation e-mails. They were sandwiched between house insurance, breakdown cover, etc etc. the normal spam you get. They didn't contact by phone or letter as we had moved house and they still had the original telephone number and address.
I've just assumed the car was insured. I am so pleased it was me they caught and not the Mrs as she would have been in deep shit, her car, her insurance.