NAME Blacklisted for Car Insurance with Admiral Group?

Parking_Trouble

GSMAnon wrote: »

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.

But now you are starting to see them for what they are,

I will paying much more attention to the T&C's and reviews in future.

For the sake of £100 you could save yourself a whole load of aggro if it ever gets to the point where you have to make a claim.

JackleCube

Sorry to bump this after a few days, but just out of curiosity; I have the same issue with having used my actual details waaaaay too many times, and now don't get quoted by admiral etc. I was just wondering, if they keep all your quotes and know how many times you've requested quotes from them; do they keep these quotes indefinitely until you ask them to clear them? Or do they go after some time? I'm not too bothered if I can't get another quote from Admiral in the next few months, but it could be an issue when I come to renew in future, as they often provide a competitive quote.

GSMAnon

JackleCube wrote: »

Sorry to bump this after a few days, but just out of curiosity; I have the same issue with having used my actual details waaaaay too many times, and now don't get quoted by admiral etc. I was just wondering, if they keep all your quotes and know how many times you've requested quotes from them; do they keep these quotes indefinitely until you ask them to clear them? Or do they go after some time? I'm not too bothered if I can't get another quote from Admiral in the next few months, but it could be an issue when I come to renew in future, as they often provide a competitive quote.

Not sure to be honest.

It's been 2 months since they blocked me, and since then I've been using false name details, e-mail address and slightly different address details for quotes. I just tried with my real details 5 minutes ago and still no quote from Elephant and more expensive quotes from Admiral, etc.

I've opened a complaint with them and the FSA requires that it is addressed within 8 weeks, so I'll let you know in the next 6-7 weeks when I get a reply!

MarkyMarkD

There is no obligation for any insurer to provide a quote - or a cheap quote - so I am not sure what is the basis of your complaint?

Because they've calculated how much I'm likely to cost them in the long-term as an insured customer *** which is quite reasonably expected to be more than a customer who doesn't run multiple quotes with fraudulent details ***, 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 *** no, based on a reasonable expectation of increased claims from someone who behaves as you do *** and are pocketing the whole of tha additional premium.

mikey72

MarkyMarkD wrote: »

There is no obligation for any insurer to provide a quote - or a cheap quote - so I am not sure what is the basis of your complaint?

Treating the customer fairly.

Parking_Trouble

Seems like unfair treatment of the customer to me.

The insurer gives you a load of levers and dials to play with on their website. Many people do want to innocently play with the "what if" scenarios. Some people may want to dishonestly choose not to disclose information.

Surely if the insurer is not happy they should ask for further evidence and ask more questions before accepting the business rather than some obscure uplift of the quote or blocking of the customer.

forgotmyname

I always have a play with the settings, Change address, Cars, Cover and excess etc.

Never had any issues with getting the final quote, Maybe because i dont give my real name until
the final quote?

raskazz

mikey72 wrote: »

Treating the customer fairly.

Nothing in TCF forbids an insurer from deciding not to offer a quote to any individual. As long as it is not a breach of race relations etc.

Parking_Trouble

raskazz wrote: »

Nothing in TCF forbids an insurer from deciding not to offer a quote to any individual. As long as it is not a breach of race relations etc.

But why disadvantage a customer without explanation?

There has to be transparency and/or warnings if the insurer believes that the customer is overstepping a boundary.

GSMAnon

Parking_Trouble wrote: »

Seems like unfair treatment of the customer to me.

The insurer gives you a load of levers and dials to play with on their website. Many people do want to innocently play with the "what if" scenarios. Some people may want to dishonestly choose not to disclose information.

Surely if the insurer is not happy they should ask for further evidence and ask more questions before accepting the business rather than some obscure uplift of the quote or blocking of the customer.

Precisely.

It's the same as letting agencies charging potential tenants to perform a credit check on them, which has been a big issue in the media recently. It's illegal for them to do so because the act of performing a credit check is to secure their business and reduce their risk, and therefore it should be seen as a business expense ON THEIR part.

It's a precise analogue... the insurance company are increasing my premium in order to reduce their risk, when in actual fact they should be paying the additional premium and using the money to increase their checks on potential customers. They should not be accepting customers they presume fraudulent, they should be reporting such people to the police. But it's more profitible for them to accept those customers at an inflated premium, so that's what they do.