Admiral Insurance Help

iamana1ias

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

No scam whatsoever. That renewal you admit to receiving and that you obviously didn't read told you very clearly that your policy would automatically renew unless you called them to tell them that you didn't want it to. So it's actually your fault that this has happened.

Use "saynoto0870" to find a non-0870 number, ring them, apologise for getting it wrong and explain that your car is now SORNed and off the road and you don't require the insurance. They will want you to send back the insurance certificate that was in your renewal pack. If you're nice about it you may avoid the charges, but as it is actually your fault that this has happened they could charge you a cancellation fee and for any time on cover quite fairly.

And next time READ the documents rather than assuming you know what they say.

sirmarcus

trickydb9 wrote: »

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

Admiral seem to automtically renew insurance policies unless the policy holder advises them otherwise. If you look on their website at http://www.admiral.com/yourPolicy/privacyStatement.php, you will see that it states :

'At renewal
In order to offer you continuous cover on your policy, EUI Limited will arrange for your policy to be automatically renewed.'

'Unless we hear to the contrary, EUI Limited is entitled to assume at renewal that your details have not changed and you have the consent of the card holder.'

I have never seen this with any other insurer and is a bit sneaky. You were lucky that you cancelled your credit card; otherwise they will have probably charged you for the renewal.

I suggest phoning Admiral and explain your situation. I'm sure that they won't charge you a cancellation fee. If they persist, I suggest that you escalate as advised already in this thread and involve the FOS if necessary.

You will find loads of freephone numbers for Admiral on http://www.saynoto0870.com/companysearch.php. Just do a company search for 'admiral' and they will appear.

Hope this helps.

iamana1ias

sirmarcus wrote: »

Admiral seem to automtically renew insurance policies unless the policy holder advises them otherwise. If you look on their website at http://www.admiral.com/yourPolicy/privacyStatement.php, you will see that it states :

'At renewal
In order to offer you continuous cover on your policy, EUI Limited will arrange for your policy to be automatically renewed.'

'Unless we hear to the contrary, EUI Limited is entitled to assume at renewal that your details have not changed and you have the consent of the card holder.'

I have never seen this with any other insurer and is a bit sneaky. You were lucky that you cancelled your credit card; otherwise they will have probably charged you for the renewal.


.

You don't get out much, do you? The vast majority of mainstream insurers now use autorenew.

mountainofdebt

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

Tbh I think you are at fault here.

You knew you didn't want the policy and although you removed the ability for Admiral to take the policy, you didn't actually tell Admiral you didn't want the policy.

so what were they expected to think?

You could have quite easily have just closed the credit card account not remembering that the autorenewal was set up on this card but still need the policy.

What would have happened if you actually had needed the policy, but as Admiral couldn't take the payment decided to let the matter drop leaving you with no insurance? no doubt you'd be posting on here complaining if the police pulled you over or you had an uninsured bump.

I think this is an example of where trying to save money may actually cost you more.

mountainofdebt

sirmarcus wrote: »

I have never seen this with any other insurer and is a bit sneaky. You were lucky that you cancelled your credit card; otherwise they will have probably charged you for the renewal.

What utter rubbish.I take it you don't have a car insurance policy - either that or you don't read the renewal notices that they send you

sirmarcus wrote: »

If they persist, I suggest that you escalate as advised already in this thread and involve the FOS if necessary.

what to waste the FOS' time when clearly the poster is in the fault?

sirmarcus wrote: »

You will find loads of freephone numbers for Admiral on http://www.saynoto0870.com/companysearch.php. Just do a company search for 'admiral' and they will appear.

The only bit of sensible,useful advice posted - as usual.

iamana1ias wrote: »

You don't get out much, do you? The vast majority of mainstream insurers now use autorenew.

I coudn't agree more ....probably too busy comlpying his database of useless email addresses of CEOs.

sirmarcus

iamana1ias wrote: »

You don't get out much, do you? The vast majority of mainstream insurers now use autorenew.

Really ? I have insured with Barclays, Aviva, AA, RAC, Performance Direct, Directline, etc. and have never had an auto renew applied to me. Never used Admiral and probably never will after reading this thread.

Thanks for the advise though as I will double check my insurance now to make sure the basta*** don't screw me as well.

Flyboy152

sirmarcus wrote: »

Really ? I have insured with Barclays, Aviva, AA, RAC, Performance Direct, Directline, etc. and have never had an auto renew applied to me. Never used Admiral and probably never will after reading this thread.

Thanks for the advise though as I will double check my insurance now to make sure the basta*** don't screw me as well.

They flipping well do and I was immensely grateful that they did, when I forgot about my renewal date some years ago.

flyingscotno1

sirmarcus wrote: »

Really ? I have insured with Barclays, Aviva, AA, RAC, Performance Direct, Directline, etc. and have never had an auto renew applied to me. Never used Admiral and probably never will after reading this thread.

Thanks for the advise though as I will double check my insurance now to make sure the basta*** don't screw me as well.

3 I used in last 3 times and all use auto-renew.

They state it in documentation that you have to decline their renewal or it continues.

mountainofdebt

sirmarcus wrote: »

Really ? I have insured with Barclays, Aviva, AA, RAC, Performance Direct, Directline, etc. and have never had an auto renew applied to me. Never used Admiral and probably never will after reading this thread.

Thanks for the advise though as I will double check my insurance now to make sure the basta*** don't screw me as well.

Hopefully you check your bank statements as otherwise I wouldn't mind betting you've been double covered.

sirmarcus

mountainofdebt wrote: »

Hopefully you check your bank statements as otherwise I wouldn't mind betting you've been double covered.

Never happened and never will !:j