Please can someone help with backdated Car Insurance Dispute?

dacouch

tinkerbell84 wrote: »

I'm sorry, but i've just renewed with an admiral company (i only ever get insurance from them) and there are terms in the policy booklet that have changed. they do now require points to be declared immediately.

Their and all of their other companies eg Bell etc all have the same wording in their current policy (The Policy is a legal contract). Click on the link I placed in my thread and it will take you to it. Its on page 7 I believe.

The way they act is in line with most normal insurers who would not look to load for a conviction until after the next renewal.

If you do not believe me click on the link or go to any of the Admiral group of companies website and click on "Policy Booklet" and look it up

tinkerbell84

dacouch wrote: »

Their and all of their other companies eg Bell etc all have the same wording in their current policy (The Policy is a legal contract). Click on the link I placed in my thread and it will take you to it. Its on page 7 I believe.

The way they act is in line with most normal insurers who would not look to load for a conviction until after the next renewal.

If you do not believe me click on the link or go to any of the Admiral group of companies website and click on "Policy Booklet" and look it up

I know the docs are out of date - I used to work there and still know people there

There was a bright yellow leaflet in the renewal pack drawing attention to the new terms :rolleyes:

JonBoy_SCFC

tinkerbell84 wrote: »

I know the docs are out of date - I used to work there and still know people there

There was a bright yellow leaflet in the renewal pack drawing attention to the new terms :rolleyes:

ha ha ha! the lengths some people go to on here to avoid admitting they were wrong can be laughable sometimes!!!

Go on admit it, it's not that hard:rotfl: :rotfl: :rotfl:

JonBoy_SCFC

and thinking about it, are you honestly claming that there was a bright yellow sheet in the renewal pack warning you that you should tell them about any convictions when they happen i.e. before you get the renewal pack?!?!

are they expecting you to guess that the T&Cs have changed??:rotfl: :rotfl:

tinkerbell84

JonBoy_SCFC wrote: »

and thinking about it, are you honestly claming that there was a bright yellow sheet in the renewal pack warning you that you should tell them about any convictions when they happen i.e. before you get the renewal pack?!?!

are they expecting you to guess that the T&Cs have changed??:rotfl: :rotfl:

(sigh)

it applies to my new policy (started in mid january) :rolleyes: .

assume it's not your turn to have the family braincell today :rolleyes: :rolleyes: :rolleyes:

dacouch

tinkerbell84 wrote: »

I know the docs are out of date - I used to work there and still know people there

There was a bright yellow leaflet in the renewal pack drawing attention to the new terms :rolleyes:

I don't mean to be rude, but an Insurance Policy is a legal contract and the Policy Booklet is the main part of the contract which contains the legal wording, the schedule contains details of the person covered and any variations to the contract which are known as Endorsements or Warranties. It clearly says in the Policy wording that you do not have to declare convictions until the renewal date (This is how most insurers work). If this went before a court of law or the ombudsman they would both rule that it says it in the policy hence they go by the policy.

Here is the link again http://www.admiral.com/policyDocs/ADM.pdf its very clearly stated on page 7. I have checked the other Admiral group companies and their policies are all laid out the same with near identical wordings (It is actually a fairly clear wording for which Admiral must be applauded as most Insurers do not take the trouble to spell these types of things out to their clients).

Once again the policy states declare convictions at renewal so thats what you should do. If admiral are putting a yellow leaflet in with the renewals they should retype all of the policies on all of their websites as the ombudsman would rule against them

tinkerbell84

dacouch wrote: »

I don't mean to be rude, but an Insurance Policy is a legal contract and the Policy Booklet is the main part of the contract which contains the legal wording, the schedule contains details of the person covered and any variations to the contract which are known as Endorsements or Warranties. It clearly says in the Policy wording that you do not have to declare convictions until the renewal date (This is how most insurers work). If this went before a court of law or the ombudsman they would both rule that it says it in the policy hence they go by the policy.

Here is the link again http://www.admiral.com/policyDocs/ADM.pdf its very clearly stated on page 7. I have checked the other Admiral group companies and their policies are all laid out the same with near identical wordings (It is actually a fairly clear wording for which Admiral must be applauded as most Insurers do not take the trouble to spell these types of things out to their clients).

Once again the policy states declare convictions at renewal so thats what you should do. If admiral are putting a yellow leaflet in with the renewals they should retype all of the policies on all of their websites as the ombudsman would rule against them

I've known several companies to send a separate document to identify changed terms at renewal. RAC have done it in the past too.

I've e-mailed a pal at Admiral to double check. They should be working tomorrow so we should get an answer then

(my car insurance documents are in one of my other properties )

JonBoy_SCFC

dacouch wrote: »

I don't mean to be rude, but an Insurance Policy is a legal contract and the Policy Booklet is the main part of the contract which contains the legal wording, the schedule contains details of the person covered and any variations to the contract which are known as Endorsements or Warranties. It clearly says in the Policy wording that you do not have to declare convictions until the renewal date (This is how most insurers work). If this went before a court of law or the ombudsman they would both rule that it says it in the policy hence they go by the policy.

Here is the link again http://www.admiral.com/policyDocs/ADM.pdf its very clearly stated on page 7. I have checked the other Admiral group companies and their policies are all laid out the same with near identical wordings (It is actually a fairly clear wording for which Admiral must be applauded as most Insurers do not take the trouble to spell these types of things out to their clients).

Once again the policy states declare convictions at renewal so thats what you should do. If admiral are putting a yellow leaflet in with the renewals they should retype all of the policies on all of their websites as the ombudsman would rule against them

no no no dacouch - this can't be right because jonboy has no braincells and it would mean he was right and the others wrong;)

i can't believe he/she is claiming that a well known UK insurer would change it's official policy on something, leave the policy wording the same, but slip a bright yellow sheet in the renewal pack and think that was ok:rotfl: :rotfl:

dacouch

tinkerbell84 wrote: »

I've known several companies to send a separate document to identify changed terms at renewal. RAC have done it in the past too.

I've e-mailed a pal at Admiral to double check. They should be working tomorrow so we should get an answer then

(my car insurance documents are in one of my other properties )

It is possible to vary the terms of the policy by adding a seperate bit of paper but if you publish a policy booklet on your website for people to view you should also amend the wording in the policy on your website as customers would use this portal to read their policy. They have 4 different versions of the policy on their website going back to October 2007 and they all state the same.

If they "Varying the terms of the contract" by inserting a piece of paper in the renewal pack could you ask them to update their wording on the website as the FSA is very keen on TCF and this does not appear to be keeping to that as it could miss lead some customers if they refered to the website for whether they should disclose a conviction mid term.

JonBoy_SCFC

tinkerbell84 wrote: »

I've known several companies to send a separate document to identify changed terms at renewal. RAC have done it in the past too.

I've e-mailed a pal at Admiral to double check. They should be working tomorrow so we should get an answer then

(my car insurance documents are in one of my other properties )

can't wait to hear back!!! shame the docs are at another property but if you want to "double check" i suggest you click at that link posted by dacouch and read page 6 containing the official, legally binding company policy booklet, rather than email some "mate"

the section is called "keeping your policy up to date" - within this there are two headings:
1) "please tell us immediately" with things like changing address, having accident
2) "please tell us at renewal" which includes if you have a conviction

it really couldn't be clearer but you are still denying that i may have been right:rotfl: :rotfl: :rotfl: