No claim made for car incident but premium still increased

david39

Ref olly32's remark about just needing to send in a renewal notice showing number of years no-claim bonus to a new insurer:

When I moved a policy to either Esure or Sainsburys (can't remember which) they would not accept a renewal notice as prooof of no-claims years - they required a letter from my old insurer actually stating it.

Insurance companies are required to issue such letters if requested.

Quentin

They don't like renewal notices issued by a broker. (Wonder why not? Surely brokers are too straight to falsify NCD entitlement?)

pedgepuk

pedro123456 wrote: »

Pedgepuk
I have been elsewhere fishing…………at first glance you appear to have valid points, in that the immorality of the Insurance Industry is affecting you.

I’ll reserve my observations and comments untill your thread has calmed down , however I intend if its ok with YOU to try and cast some light about the Insurance Industry. And hopefully how to address your particular problem

Z

Please do as I would be interested in knowing.

To follow up, I called Admiral earlier after a missed call and they say they've checked the recording of the conversation from last September, there was no mention of anybody saying that it wouldn't affect my renewal premium. This has made me more incensed than I already am as I know for a fact that the advisor declared this to me back then. Another advisor also said the same yesterday evening as mentioned in one of my earlier posts.

I've stated that I will be putting in an official complaint with the intention of going to the Ombudsman after going through the process in respect to reclassifying me as a high risk driver for the next 3 years.

Forgive me for making such as big issue on this but it's outrageous and find it malpractice on how people who are innocent in situations like these get penalised.

lisyloo

You can ask for a Subject access request under the data protection act.
They can charge a fee but the maximum is £10.
I recently did this with Npower and I got a huge package with all the transcripts of my phone calls.

Would also suggest you send any important letter by recorded delivery. Keep names, dates and times of phone calls and put delivery and read receipts on emails.

Forgive me for making such as big issue on this but it's outrageous and find it malpractice on how people who are innocent in situations like these get penalised

Last year I drove into my husbands car on our driveway.
It was entirely my fault.
I was told over the phone that my husband would not be penalised for making a claim (he was in bed at the time I think).
I argued vorciferously with them for giving me wrong advice, but was told by an manager that this was against FSA guidelines.

Don't be afraid to go up against big organisations.
I'm currently in dispute with Npower.
I've won most of my complaints and can assure you that if you are right, then you have a good chance of winning.
However is will be pretty slow. So you need patience and tenacity.

Quentin

It isn't malpractice. It is how insurance works. You aren't "innocent" in as much as you have been involved in an incident. Premiums are fixed on risk covered. You are now more of a risk than previously.

There may be issues with service - they have twice told you there is no affect on your premium.

There may also be the issue that has been pointed out - is the incident closed? Have you got that confirmed yet?

pedro123456

Pedgepuk


subject access record (SAR) that lubyloo refers to is this

http://www.gov.im/lib/docs/odps/sar_complyv2.pdf

take a look, see what you make of it.

talk later


Z

dacouch

Out of interest did you go to Admiral as a new customer last year by any chance

pedgepuk

dacouch wrote: »

Out of interest did you go to Admiral as a new customer last year by any chance

Have been with Admiral for the last 5 years and previously on and off for 10.

I did get my renewal quote matched after doing a new customer quote on the web last year and was also doing the same this year where they then told me about the increase due to the incident.

I've been getting other quotes from other providers but they are all £200 to £500 more. It makes it worse when adding the incident, however, I have found providers that only ask if you've made a claim in the last 3 years and NOT if you've been involved in an incident like Admiral do.

raskazz

pedgepuk wrote: »

Please do as I would be interested in knowing.

To follow up, I called Admiral earlier after a missed call and they say they've checked the recording of the conversation from last September, there was no mention of anybody saying that it wouldn't affect my renewal premium. This has made me more incensed than I already am as I know for a fact that the advisor declared this to me back then. Another advisor also said the same yesterday evening as mentioned in one of my earlier posts.

I've stated that I will be putting in an official complaint with the intention of going to the Ombudsman after going through the process in respect to reclassifying me as a high risk driver for the next 3 years.

Forgive me for making such as big issue on this but it's outrageous and find it malpractice on how people who are innocent in situations like these get penalised.

I can see your frustration if a technically naive call centre bod advised you that it would not affect your premium, but you seem unable to accept that insurance is founded upon the objective assessment of risk. It is entirely legitimate that they can alter the invited premium in light of a non-fault incident.

Loading the premium is not 'malpractice' at all. As I explained earlier in the thread - your risk profile has changed, whether you like it or not, and the justification behind a rate increase works on exactly the same basis as all the other material facts - age, gender, address and so on.

pedro123456

Raskass

"It is entirely legitimate"

yes it will be...............thanks to the Barristers and legal team the policy holder stumps up for.

Without doubt they will ensure legality, but morally, ethically................nope they are of no consequence as these dont make profits for the IC's

insurance is founded upon the objective assessment of risk.................WHAT?

" upon the objective assessment of risk"........really?....... and heres me thinking it was founded on greed and obscene profits, but I am only a policy holder, what do I know?

pedgeuk if my posting on your thread doesn't seem relevant or pertinant etc............just say and I will remove it

Z