Penalized for asking advice (admiral)

shamoo

Recently i went to take out a new car insurance policy when i was told that there was a incident involving my car in January 2010 and that it is effecting my renewal price. This is not the case.

What happened was, i hit a pot hole which caused a dent in my allow wheel (not enough to fail the m.o.t), i rung up to get some advice on how i could take this claim to the council, i was advice that Admiral would not pursue this for me and that i had to do it my self or make a claim. I decided NOT to make a claim and just replace the wheel my self.

Now i am being told that Admiral had put this down as an incident and that is putting my policy price up even though i made no claim nor reported it as an incident. I have been told that for my policy to go back to normal Admiral have to take this "note" of my name which the customer service people would not do, now i am being faced with paying more money out for no reason what so ever, even though i have never claimed in 11yrs!

How can i get them to take this off my record? I've rung them and spoke to there complaints department but they wont do anything, this is putting my policy up by about £300! Can anyone help me out?

Quote

Do you have to insure with Admiral?

sheslookinhot

Stuff them


Confused or gocompare.

McKneff

It's all in your terms and conditions, which say you must report all incidents, whether you are to blame or not, whether you are going to claim or not.

They put the cost up because you are now more of a risk.

Thats life, the mistake you made was telling them.

Absolutely nothing you can do about it. And if you go for insurance elsewhere you also have to mention this when they ask if you have had any incidents/claims.
If you dont, then have an 'incident' they will invalidate your insurance and wont pay out.
They will cancel your insurance, and ad infinitum you will be penalised even more by the next insurance company when they ask if
you have had any insurance cancelled by an insurance company, you may find it difficult to find one who actually will insure you.

Sorry, you just have to suck it up.

mikey72

McKneff wrote: »

It's all in your terms and conditions, which say you must report all incidents, whether you are to blame or not, whether you are going to claim or not.

They put the cost up because you are now more of a risk.

Thats life, the mistake you made was telling them.

Absolutely nothing you can do about it. And if you go for insurance elsewhere you also have to mention this when they ask if you have had any incidents/claims.
If you dont, then have an 'incident' they will invalidate your insurance and wont pay out.
They will cancel your insurance, and ad infinitum you will be penalised even more by the next insurance company when they ask if
you have had any insurance cancelled by an insurance company, you may find it difficult to find one who actually will insure you.

Sorry, you just have to suck it up.

They don't ask for incidents.
It's always accidents or claims.
Is changing a rim an accident, or a claim.
Or is it wear and tear.
If you want to describe it as an accident, does that mean if I kerb the tyre I have to tell the insurance from now on?

McKneff

Okay, so hitting a pot hole and causing bodywork damage is an accident isnt it. When it caused damage, enough damage for the OP to ring the insurance company.

Its silly saying kerbing your tyre constitutes ringing your insurnce company, big difference in price,
New tyre, £30, damage to body work can run into hundreds of pounds.
The damage on my car was a 2 inch scrape down to the metal, cost for the garage to put it back to where it was
£850 plus VAT.

dacouch

mikey72 wrote: »

They don't ask for incidents.
It's always accidents or claims.
Is changing a rim an accident, or a claim.
Or is it wear and tear.
If you want to describe it as an accident, does that mean if I kerb the tyre I have to tell the insurance from now on?

Some (Not all) ask for "Losses" and often include the legend (along with the word losses) "That would have been covered by the policy you are applying for" (Or words to that effect

Quentin

mikey72 wrote: »

They don't ask for incidents.
It's always accidents or claims.

Ignore this bad advice (or follow it at your own risk!)

They do ask about incidents! Insurers invariably "define" claims as being an incident that could lead to a loss or claim (or similar wording)

It would be asking for trouble not to declare an incident such as the one being discussed here when you know it's down on your record!

eg. this is from direct line's on line application form regarding its question about "claims":

Claims History
Details of Claims should include any accidents, claims or losses made by you or any additional driver irrespective of fault.

mikey72

dacouch wrote: »

Some (Not all) ask for "Losses" and often include the legend (along with the word losses) "That would have been covered by the policy you are applying for" (Or words to that effect

And I'm very pleased to say not a single online or telephone quote has ever included that phrase when I've taken out a policy, when I have gone through all the questions.
Accidents claims or losses has been the only criteria, with no further terms or conditions, and no one has mentioned incidents.
As to kerbing, it's either a loss or it isn't, they don't mention value either.
Broken mirror replaced by a stick on glass for £10, that's still a loss by that rule.

I don't advise not declaring it now it's recorded, I would however advise phoning for a quote, and explaining that the "loss" was a wear and tear item, due to a pot hole though, and suggest Admiral have not recorded it as you would interpret it.

Quentin

mikey72 wrote: »

And I'm very pleased to say not a single online or telephone quote has ever included that phrase when I've taken out a policy, when I have gone through all the questions.
Accidents claims or losses has been the only criteria, with no further terms or conditions, and no one has mentioned incidents.

I gave you verbatim what Direct Line say, and if you read your policy you will find what they want reporting does include incidents that could have lead to a claim or loss (or similar wording).