Admiral Mistake!!

Jiggaboy

Hi guys,

I recently insured my VW Polo 1.4 with Admiral.. went through the details and they came out with a £700 quote, one years no claims included (was £1100) last year so I thought great.

I paid in full. They didnt send me the declaration form so I called them up, they then told me that initially they had made a mistake and had me living at the wrong address, therefore my insurance was actually £1645!!

Originally I went through alll the details with on the telephone, read out details phonetically.

So, do I have to pay the extra £900 or can I just bind Admiral to stick to this seeing as they made the offer, and took the money.. They have advised that I am insured currently despite their mistake.
I am awaiitng a call from them as they said they are going to review the tapes.

huckster

If you gave the correct details and they made the mistake, they will have to stick by the premium.

The is straightforward law of contract.

dunstonh

They need to check where the error occurred to see if it was you or them. Then you need to hear their decision. At worst, they should at least offer to void the policy at no cost to you allowing you to go elsewhere if you can get better elsewhere. If its their error, they will probably honour it.

vaio

huckster wrote: »

If you gave the correct details and they made the mistake, they will have to stick by the premium.

The is straightforward law of contract.

Yep, but if insurance companies were good at doing what they should then the FOS wouldn't be busy to the point where they are taking 6 months plus to deal with complaints.

The insurance company also has the get out of jail free card in that they can cancel your policy at any time which gets them out of doing what they should and moves the policy holder out of the mainstream and into the area of special (£££) policies.

Yes it's unfair and yes you can challenge it (if you have the time & money and don't need to use your car whilst the case is sorted out) but in reality most people are too busy earning a living so just pay up.

dunstonh

Yep, but if insurance companies were good at doing what they should then the FOS wouldn't be busy to the point where they are taking 6 months plus to deal with complaints.

The FOS are busy because of a particular type of insurance that was typically sold by banks. They are also inundated with a load of try it on complaints raised by claims companies. Thats a long way from car insurance issues.

vaio

said like a true insurance professional

edited to add: it does seem that motor insurance complaints are actually down this year but have still more than doubled in the last five years.

2010 5,451
2009 6,267
2008 6,009
2007 4,230
2006 3,372
2005 2,571

dunstonh

said like a true insurance professional

Come on, you must have had one of these dodgy claims companies call you? I had one in the last week trying to tell me I had been mis-sold my insurances. A complaints handler for a lender recently said as many as half the complaints they are getting on loan PPI dont even have PPI on them. You cant tell me that the level of try-it-ons is damaging the FOS complaints process.

I'm all for genuine complaints being dealt with but they are being held up by the fraudulent ones.

lordhaldon

The banks were responsible for selling huge amounts of PPI - some of which have been claimed on and the customers have been better off for having it. Banks have a lot of bad press - not all deserved. (The Met Office paid out £12 million in bonuses last year and what for? )Those that jump on the band-wagon and claim without even having it should pay an admin fee - or the no win no fee merchants should. Maybe that would slow down the amount of chance merchants and leave FOS to deal with genuine complaints. Before anyone gets agitated, it's just an idea.

Jiggaboy

Admiral are now saying they can't find the recordign of the call, and want to charge us cancellation fees!

We are going to go back with were going to FOS, Watchdog and will seek further legal advice if they dont cancel without fees.

Think this will make them waive the fees? This is disgusting though, appalling service.

eljmayes

Jiggaboy wrote: »

Admiral are now saying they can't find the recordign of the call, and want to charge us cancellation fees!

We are going to go back with were going to FOS, Watchdog and will seek further legal advice if they dont cancel without fees.

Think this will make them waive the fees? This is disgusting though, appalling service.

If they can't find the tape then they really should let you cancel at no cost- it's not like admiral are short of a bob or two!