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Admiral Insurance Help
Comments
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And complain about what exactly?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?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.
Why not read the thread again? And this time note that the complaint to FSA/FOS (whatever it is) is about the £45 cancellation fee, nothing else.
Why didn't you offer any constructive advice?Flyboy152 wrote:Why didn't you just call them to tell them that you were not renewing?0 -
iamana1ias wrote: »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.
You will note that tricky said there was a renewal letter, and the next letter was a cancellation of policy letter, doesn't say anything about a letter in between those two with the new certificate. I don't usually get certificates included in a renewal letter, so the OP may not have done.
If there was a certificate in the renewal letter fair enough they should have cancelled ASAP, and if subsequently there was a certficate letter they should have cancelled, ASAP, but if there was no certificate then it's as much Admiral's fault.0 -
mountainofdebt wrote: »........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.........
isn't that exactly the position he is in? But with the added bonus of a £56 charge?.......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........0 -
None of the insurers I have used have had autorenew *when I was with them* and going backwards that would beiamana1ias wrote: »You don't get out much, do you? The vast majority of mainstream insurers now use autorenew.
Frizzel
Co-op
Prudential
Nationwide0 -
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
Did they send you a certificate? Roughly what date?
What date was expiry?
What date did they say they cancelled the new policy effective from?
Were there any other letters for example demanding payment and threatening you with a policy cancellation if you don't pay? Like they are required to send by law?
It's basically the same situation, depending on your answers to the above you could be arguably contracturally bound to pay those charges. However, you may decide to write to them explain the car was off the road and still is, expalin what happened and ask that they drop the charges.
If they refuse, then you make it into an official complaint and insist they refer the matter to the ombudsman, and you will settle for nothing less that a complete drop of all charges against you or a referral to the ombudsman.
This may be an underhand thing to do, but these companies are just as underhand in their treatment of us what with all thier trumped up charges and automatic renewals designed to catch people out. Not to mention that they will rarely actually pay out the full value of a car on a write off claim, so get one back at them and do as I sugggest.0 -
FYI Wig - Elephant sent me a Certificate of Motor Insurance with my renewal letter when I was insured with them before.
Aviva also auto-renew - they'd have had a hard job taking their renewal amount from my credit card though :rotfl: (it was so much it was over the limit!)0 -
You will note that tricky said there was a renewal letter, and the next letter was a cancellation of policy letter, doesn't say anything about a letter in between those two with the new certificate. I don't usually get certificates included in a renewal letter, so the OP may not have done.
If there was a certificate in the renewal letter fair enough they should have cancelled ASAP, and if subsequently there was a certficate letter they should have cancelled, ASAP, but if there was no certificate then it's as much Admiral's fault.
You will note that a) I previously worked for Admiral and b) I have had 3 cars insured with them for a number of years (15ish).
Admiral send certificates with the renewal docs. Always. So the OP has indeed been sent a certificate which needs to be returned. I was born too late, into a world that doesn't care
Oh I wish I was a punk rocker with flowers in my hair0 -
Maybe it's only the auto renewal ones that do it, hence, I can't remember ever having had one happen like that.FYI Wig - Elephant sent me a Certificate of Motor Insurance with my renewal letter when I was insured with them before.
Aviva also auto-renew - they'd have had a hard job taking their renewal amount from my credit card though :rotfl: (it was so much it was over the limit!)
Admiral still should have sent a demand for payment letter & a warning of impending policy cancellation letter each of which would have flagged up to OP something was not right.0 -
iamana1ias wrote: »You will note that a) I previously worked for Admiral and b) I have had 3 cars insured with them for a number of years (15ish).
Admiral send certificates with the renewal docs. Always. So the OP has indeed been sent a certificate which needs to be returned.
Fair enough, but there also appears to be a fault on Admirals part, not sending a demand for payment, not sending letters warning of impending policy cancellation.0 -
I do. Admiral send them out, as do Direct Line and More Than.You will note that tricky said there was a renewal letter, and the next letter was a cancellation of policy letter, doesn't say anything about a letter in between those two with the new certificate. I don't usually get certificates included in a renewal letter, so the OP may not have done.
If there was a certificate in the renewal letter fair enough they should have cancelled ASAP, and if subsequently there was a certficate letter they should have cancelled, ASAP, but if there was no certificate then it's as much Admiral's fault.The greater danger, for most of us, lies not in setting our aim too high and falling short; but in setting our aim too low and achieving our mark0
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