Admiral Insurance Help

Belinda22

under your terms and conditions you are obliged to tell them that the insurable object doesn't exist any longer. They entitled to their full premium as they have paid out on a claim during that year.
Re: the fee
Yes, they can charge you but threatning them with FOS is not the way forward.
Don't forget when you call insurance you are dealing with people.
Be nice and simply tell them you don't have any money, give them the poor me story. They will cancel the policy asap because they don't want any problems with claims (if the the new owner crash the car for example they will come up on MID also as the insurer, so they wouldn't want that).
If the person on the other side is not helpfull enough and not willing to writte of the fee, simply write "nice " letter of complaint. This usually works.

sirmarcus

Belinda22 wrote: »

If the person on the other side is not helpfull enough and not willing to writte of the fee, simply write "nice " letter of complaint. This usually works.

and. if it don't work, then go to the FOS. Give Admiral 8 weeks to respond with a final response and then escalate to the FOS if they don't give your money back.

Please note that the FOS will automatically charge Admiral £500 just to investigate your complaint.

I had a similar problem a few years ago with Performance Direct Insurance. Escalated to FOS, who found in my favour.

Be warned though that the FOS will probably take a few months to complete their investigation; so you will need to be patient.

Wig

Belinda22 wrote: »

under your terms and conditions you are obliged to tell them that the insurable object doesn't exist any longer. They entitled to their full premium as they have paid out on a claim during that year.
Re: the fee
Yes, they can charge you but threatning them with FOS is not the way forward.
Don't forget when you call insurance you are dealing with people.
Be nice and simply tell them you don't have any money, give them the poor me story. They will cancel the policy asap because they don't want any problems with claims (if the the new owner crash the car for example they will come up on MID also as the insurer, so they wouldn't want that).

They will have already cancelled the policy, the OP has no option in this matter, he no longer owns the car, policy cancelled charge customer £45 for the privelege. They will have cancelled the policy and sent a letter of demand for the £45. No-one especially not me is saying be nasty to the guy on the phone, all you need to do is let them know you mean business and will not let this drop -politely- if the person on the phone takes no notice, ask for a supervisor, if they take no notice, as you say then write a letter, wait for reply.....

If the person on the other side is not helpfull enough and not willing to writte of the fee, simply write "nice " letter of complaint. This usually works.

And if it doesn't work? What then? Then do as I said and escalate it further by an official complaint in writing with a request for referral to the ombudsman if they cannot satisfy your complaint.

When they see this they will most likely back down and cancel the £45 fee, they'd be stupid not to.

Wig

bigjl wrote: »

Doesn't matter when he did what or who did what to who, he is asking for help with two weeks left on the policy, end of.

And having asked for that help, I think I have solved his problem. An idea he would not have realised without asking here. He could have asked for help after March, he would still be able to do something by official complaint. I don't see what your problem is.

You don't think cancellation fees might have been introdiced to stop people starting a policy to get the car taxed then cancel it beofe the months out and keeping the policy documents, a lot less common now that ANPR and MID are used, but still prevalent enough to make sure the company looks after number 1, the shareholders.

Irrelevant, cancellation fees are an abomination in normal circumstances but where the policy holder has no premium refund for the cancellation fee to be deducted from, it is doubly abominable.

If there was any link between a claim almost a year ago and not refunding the premium don't you think they would have cancelled the policy and kept the premium.

They would not be legally allowed to do that where the car is not written off, however, I have a tiny inkling that is something which some insurers infact do.... in the event of a write off the policy is cancelled after the payout with no refund of premium - Darich can you confirm?

The point being that some insurers may well do that, and some (most if not all) will never refund a part premium on a policy after a high value claim.

The simple fact is you can't have insurance without a car, so what has the OP done since he sold is car? He was free to buy a new car and put it on the policy.

He no doubt told Admiral back in Dec that he sold the car and innocently expected to get 2 months premium back. They have since told him "actually you owe us £45". There is no guarantee that after a high value own fault claim you can transfer the remaining policy to a new car.

I recently had to do a substitution on a policy and it cost £38, for the last two weeks of a policy, should I moan and post on a forum, threaten to sue, slander them or post libelous views or assume that if I want to stay legal it will cost £38.

Why do you repeat your nonsense about libel? It's my belef that everyone everywhere should always fight admin fees, I have quite often come across them from my insurers over the years and I have ALWAYS challenged them and they have ALWAYS withdrawn the fees when I make it quite clear that they will be guaranteed to lose my custom if they persist with their fees. Deal with it any way you want but if you want to let them walk all over you then that's fine
If you want to ask for advice on how to avoid fees then fine ask away. That's what we're here for.

I don't do anything for free, do you? If the Insurance co acted within the terms and conditions of the policy and they where given to the policyholder and he or she ticked the box saying they had been read and agreed to then that is the end of that, we know the OP read them or signed to say he had read and agreed to them, as if he didn't then he wouldn't have had any insurance as agreeing to them is not optional.

I do lots of things for free.
They have had the money for the policy. At the end of the day it comes down to personal preference whether you just sit back and pay all their fees or you stand up and fight them on principle. You can't avoid fees in this market, as every insurer has now jumped on that bandwagon. They can force you to abide by the T&Cs there is no question of that, so why should *you* care if a particularly persuasive person should get them to voluntarily drop their fees?

Like a lot of recent threads from new or recent joiners of the board, there are a lot of things missing from the story, should we then assume that the Insurance Co is acting wrongly or that the OP has missed out a few facts, you can make up your own mind, but years and years of working directly with people has taught me that they very rarely tell the entire story if by missing bits out may get them the upper hand.

I see nothing relevant missing from this story, but a poster stands to gain nothing by not being 100% truthful.

sirmarcus

OP....Suggest that you still escalate to the FOS. Worst case......Admiral will be charged £500-00. Best case....You will get money back !!

Admiral lose whatever happens !

trickydb9

Hi Guys,

I have read this thread with interest.

I have a simular but not the same issue with admiral, and want your guys opinion on.

I was insured with Admiral. The insurance was due to expire in Dec 2010. The car was now garaged safley and does not actually need insurance, due to it being in bits now.

As part and partial of things I happend to have also removed a credit card from my collection, the one that I had always used to pay the premium in full with Admiral.

The Renewal letter came though, I though, fine they cannot take any money, and I don't want to renew. So left it.

I then had a letter coming though now advising me that I have failed to pay my policy, and that THEY have cancelled my policy and are charging ME £56 because of it.

I am a bit miffed about this. I chose not renew, and removed there ability to take any funds to even be able to renew it. From what I can tell they have renewed it, without acutally taking any payment, and then, have canceled and decided to charge me for it. All this without me doing or saying anything.

Is this right? Can they even do this? I know I didn't phone the 8p per min line to call them to say, No thank you, I don't want to renew, but did the next the best thing in stopping them taking the money.

Just want to know what I can do, as I feel like this is a scam.

Cheers

TB9

Flyboy152

Wig wrote: »

AFAIK they can and they will hit you with the 45 fee.

But if it were me I would make it into an official complaint and press them/insist that it goes to go to the FSA.
AFAIK it costs them money to go the ombudsman and faced with that fact it might be enough for them to let you off the 45.

And complain about what exactly?

Flyboy152

unclecrispin wrote: »

Hi,

I was just wondering if anyone would be able to give me some advice about me cancelling my policy with Admiral?

My policy ends on the 1st March, but due to my car breaking down and being too expensive to fix I sold it at the end of December. When ringing up to tell them I was cancelling I was told there would be a 45 pound fee which, when looking at the back of the policy is correct.

However; earlier on last year I crashed my first car, this case has now been resolved but because I have had a crash they refuse to pay me back for the 3 months that I am no longer needing with them.
So not only am I not going to get a refund of between £150 and £200 but I also apparantly need to pay them 45 quid.

Is there anything I can do about this, they can't hit me twice surely?!

Any help would be much appreciated

As you have claimed on the policy, i.e., you have used the product, they are quite at liberty to insist that you pay for it. However, why would you pay the forty-five pounds to cancel the policy of you are not due any money in return?

Flyboy152

sirmarcus wrote: »

OP....Suggest that you still escalate to the FOS. Worst case......Admiral will be charged £500-00. Best case....You will get money back !!

Admiral lose whatever happens !

Again, complain about what, the company's pricing structure? The fact that a claim has been made on the policy and they won't refund the premium? I would love to be a spider under the table at the FOS when they open that letter.

Flyboy152

trickydb9 wrote: »

Hi Guys,

I have read this thread with interest.

I have a simular but not the same issue with admiral, and want your guys opinion on.

I was insured with Admiral. The insurance was due to expire in Dec 2010. The car was now garaged safley and does not actually need insurance, due to it being in bits now.

As part and partial of things I happend to have also removed a credit card from my collection, the one that I had always used to pay the premium in full with Admiral.

The Renewal letter came though, I though, fine they cannot take any money, and I don't want to renew. So left it.

I then had a letter coming though now advising me that I have failed to pay my policy, and that THEY have cancelled my policy and are charging ME £56 because of it.

I am a bit miffed about this. I chose not renew, and removed there ability to take any funds to even be able to renew it. From what I can tell they have renewed it, without acutally taking any payment, and then, have canceled and decided to charge me for it. All this without me doing or saying anything.

Is this right? Can they even do this? I know I didn't phone the 8p per min line to call them to say, No thank you, I don't want to renew, but did the next the best thing in stopping them taking the money.

Just want to know what I can do, as I feel like this is a scam.

Cheers

TB9

Why didn't you just call them to tell them that you were not renewing?