Automatic car insurance renewal- what are my rights (card expired on renewal payment)

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Hi

Looking for advice on an automatic renewal of car insurance- I didn’t cancel policy as my credit card they held on file had expired Jan 18.

However credit card company took the payment in April 18 regardless of the fact the card had expired. Car insurance company ignoring me, credit card company telling me I’m liable for the payment despite the fact the card expired over 2 months ago.

Looking to find out legally whether I’m liable for this payment or not.

Hopefully someone can help.

Thanks

Gill

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