Car insuarance now wants to charge me extra after 5 months

chrisnasah

Hi,

I have my policy with Admiral for past few years although during this period i did not have my car insured for few periods as i was not driving.

Anyways to get to point i have been on my policy now for 5 months and i got an email saying they will charge me a further 323.30 pounds due to a undisclosed non fault incident that happened in 2009 and 2010 when i was with them with a multicar policy.

I could not recall any incidents so i called them, it seems this incident happened when i had my dad was a named driver on my car and he did report incidents during that time.

Strange as my dad has no longer been in my policy since march last year and this was not an issue since then as i have had one year policy with them without my dad as a named driver but all of a sudden it is?

I am not sure where i stand with this as i signed up for the insurance again i did online then called them and at no point they asked me if anyone else ever was insured in my car with them and had any incidents. since last year March only me and my wife is on policy and non of us had any incidents.

Any suggestion as to what i can do as they adamant on charging me.

Thanks

chrisnasah

Just had a call from them, they said they listened into the call and at no point they can see did they mention or ask if anyone other than named driver had a incident in my car with them, hence they agreed not to charge me anymore.

Although they said in future i need to mention this incidents but when i asked even if my dad is longer a named driver on my car? she was not sure what to say, and said to be safe i should mention but this would increase premium right?

She also mentioned on my comments which i said before they looked in to the reocrding that at no point was i asked about incidents other than those named in policy hence they are now looking to change their forms where they will ask about previous named driver incidents within the policy before.

chanz4

its still an accident on your policy though

Just_Some_Guy

This is happening a lot these days due to a thing called CUE which basically has every claim ever in it. Periodically insurers check your policy against CUE and if they don't match they send you a demand for more money. Why they can't just grab the details from CUE as you're applying, so that there are no quibbles when you actually buy the policy, is a mystery to me.

You will have to disclose this claim until it gets too old to matter any more. It may or may not increase the premium depending on what opaque criteria the insurer uses to decide which claims count and which do not. I would not rely on call centre agents to know whether a claim matters, they're trained to type what you say at the computer and tell you the number it spits out, they're not expected to actually know anything.

When they ask "have you had any claims in the last five years?" they mean "have you or any of your named drivers had a claim in the last five years, including claims when your named driver was the policyholder and the driver at the time of the incident was one of their named drivers?". Why they can't just ask the question they actually want answered is yet another mystery.