NAME Blacklisted for Car Insurance with Admiral Group?

Badger_Lady

GSMAnon wrote: »

As for the purpose of quoting systems... circumstances can be changed and there's no reason why people shouldn't be able to see what the cheapest option is and then see what they can change about their circumstances to make themselves fit as closely as possible with the criteria for the cheapest option.

It's very rare that one's date of birth changes.

In your case you may have just been messing about... but the insurers have to protect themselves by monitoring for potentially fraudulent customers. They've clearly identified you as a person who's displayed a suspicious activity on their quoting system and who is therefore likely to take out a fraudulent policy... they can by no means prove it but they can 'up' the premium or refuse to cover you as protection for themselves.

They would not have blocked someone who was simpy changing the vehicle (they would likely be shopping for one), or someone who adds and removes additional drivers. They will only block you for changing an indisputable and unchanging fact (DoB).

And yes, insurers do use 'length of time until policy start' as part of their quote calculation. They infer things like how desperate the customer is to take out a policy. The way to get round that is to run and save a (genuine) quote each day, then purchase whichever one came out cheapest.

bob_a_builder

run and save a (genuine) quote each day, then purchase whichever one came out cheapest.

and as we can see from my post above there can be a massive daily variation !

GSMAnon

Badger_Lady wrote: »

It's very rare that one's date of birth changes.

In your case you may have just been messing about... but the insurers have to protect themselves by monitoring for potentially fraudulent customers. They've clearly identified you as a person who's displayed a suspicious activity on their quoting system and who is therefore likely to take out a fraudulent policy... they can by no means prove it but they can 'up' the premium or refuse to cover you as protection for themselves.

They would not have blocked someone who was simpy changing the vehicle (they would likely be shopping for one), or someone who adds and removes additional drivers. They will only block you for changing an indisputable and unchanging fact (DoB).

And yes, insurers do use 'length of time until policy start' as part of their quote calculation. They infer things like how desperate the customer is to take out a policy. The way to get round that is to run and save a (genuine) quote each day, then purchase whichever one came out cheapest.

Well they conducted a credit check on me after they became 'suspicious', and they no doubt done that to ascertain my real details. Having that information, surely they should only up my premium or block me from the system if I attempt to BUY a policy with details that don't match my credit report?

And if, as you say, the date until policy start does vary widely, surely they expect people to see whether it's worth buying now starting now, buying now starting later, or buying later after a D.O.B change.

I've done absolutely nothing wrong, and I'm more than happy to provide them with proof of all of my personal information... so what's the issue?

There is no issue. This is just companies looking for ANY reason to stick £100 on somebody's policy to feed a fat cat.

Quentin

GSMAnon wrote: »

...I've done absolutely nothing wrong.....

When you submit a quote you confirm that the details you have given are accurate.

Submitting false d-o-bs is knowingly inaccurate!

MarkyMarkD

GSMAnon wrote: »

This is just companies looking for ANY reason to stick £100 on somebody's policy to feed a fat cat.

Oh, what tosh. Any insurer's business is to maximise income for their shareholders - that's why companies exist. If they are by far the cheapest insurer for you, such that you'll still choose them even if they charge £100 more, then how on earth can they be accused of profiteering?

Parking_Trouble

Are you sure you want to go with Admiral anyway? The more I build my knowledge of them (through first hand experience, reading stuff on here and further research), their policies and track record the more I dislike them.

Cheap? Yes.
Good policy and service? No

I confirm all the above to the best of knowledge is true [tick]

Robisere

Is this a silly question, but have you tried your own Credit Check?

www.experian.co.uk/

They quite often offer a CCheck free, I signed up with them on a freebie when we had a problem connected with a certain credit Agency. Found the problem, had Exp. sort it out and cancelled the subscription. Apparently connected to a house move across 2 Counties, my wife had completed payments for an item but had informed them of the change of address. Payments were taken, but the system hiccupped and showed as Unpaid, even though they did not contact us. Silly, simple things like that can happen, as computers are fed mistakes, and/or a human operater makes an error. The explanation was that the unpaid amount was small enough to write off, but they automatically blacklisted us. And, just to add insult to error, they blacklisted the young couple who bought our old house. All due to a Store Card.

Also, have you thought of Direct Line? Been with them years, they reward loyal service.

GSMAnon

MarkyMarkD wrote: »

Oh, what tosh. Any insurer's business is to maximise income for their shareholders - that's why companies exist. If they are by far the cheapest insurer for you, such that you'll still choose them even if they charge £100 more, then how on earth can they be accused of profiteering?

Because they've calculated how much I'm likely to cost them in the long-term as an insured customer, from there they've calculated my premium, and then they've added their standard profit to that. In addition to that, they've also made additional increases to my premium based on an arbitrary and ultimately trivial concerns and are pocketing the whole of tha additional premium.

GSMAnon

Parking_Trouble wrote: »

Are you sure you want to go with Admiral anyway? The more I build my knowledge of them (through first hand experience, reading stuff on here and further research), their policies and track record the more I dislike them.

Cheap? Yes.
Good policy and service? No

I confirm all the above to the best of knowledge is true [tick]

I was with them last year and never had an issue with them... although admittedly I never had to deal with them at all throughout the term of my policy.

They (together with the Admiral subsidiaries Diamond, Bell and Elephant) are all considerably cheaper than the next cheapest insurer, with differences of up to £400. I frequently find that they're the only insurers who will quote me under £1,000 while all other companies are asking for upwards of £1,100, depending on the car.

GSMAnon

Robisere wrote: »

Is this a silly question, but have you tried your own Credit Check?

www.experian.co.uk/

They quite often offer a CCheck free, I signed up with them on a freebie when we had a problem connected with a certain credit Agency. Found the problem, had Exp. sort it out and cancelled the subscription. Apparently connected to a house move across 2 Counties, my wife had completed payments for an item but had informed them of the change of address. Payments were taken, but the system hiccupped and showed as Unpaid, even though they did not contact us. Silly, simple things like that can happen, as computers are fed mistakes, and/or a human operater makes an error. The explanation was that the unpaid amount was small enough to write off, but they automatically blacklisted us. And, just to add insult to error, they blacklisted the young couple who bought our old house. All due to a Store Card.

Also, have you thought of Direct Line? Been with them years, they reward loyal service.

Yes I've checked my credit report (that's how I know they searched). There's nothing wrong with it. All information is correct, I have never missed a payment in my life. At the time, when Admiral Group searched my report, I wouldn't have been showing on the electoral role at my current address on account of it being the annual canvas and me only having moved in last summer, but apart from that there should have been no issues.

But even if there were issues I don't see what relevance my credit report would have for them, because I pay annually for my insurance, not monthly, which means the insurance company don't give me credit. Even if I did want to pay monthly, I'd buy it annually with a credit card and then pay the credit card off monthly... so my credit rating really shouldn't be a concern to them in any case.

My quotes from direct line are always ridiculously extortionate.