Admiral insurance backdating insurance premium

durno6

I have received an email from my insurance company today stating "A check of your policy details against our system records has highlighted a discrepancy in the details you gave us. The information differs to that recorded on another policy with us or another company within the same group." I now supposedly owe them £561.99 as they are back dating detail discrepancies for over two years. I had failed to include points my son had (i was unaware of) and now they are chasing for this ridiculous amount of money. I do not believe they can back date this as those policies and agreements are now finished. Can you please provide some assistance here.
Thanks

rs65

durno6 wrote: »

I do not believe they can back date this as those policies and agreements are now finished.

I'm afraid they can, sorry its not what you want to hear.

durno6

oh you have to be kidding! I have just forked out £550ish to renew my policy 14days ago and now this. Surely there must be some get out clause?

raskazz

durno6 wrote: »

oh you have to be kidding! I have just forked out £550ish to renew my policy 14days ago and now this. Surely there must be some get out clause?

So you admit that you did not disclose the conviction. The onus is on you as the policyholder to ensure that the facts you declare are correct.

The insurer is on the face of it, dealing with the matter entirely correctly by rewriting the insurance on the terms that they would have offered had all the facts been disclosed correctly.

If you don't pay they will exercise cancellation of the policy which will have far more severe consequences for you in obtaining insurance in the future.

There have been suggestions in the past that if the risk was claim-free then the insurer cannot backdate the premiums for previously completed policy years. I have not seen a conclusive statement from the Ombudsman on this point. However, they can certainly charge the additional premium that would have been due for the current year.

durno6

To my knowledge, my son had a clean license (which is currently the case) however during the previous 2yearish, the points would have still been on his license.

Does this make an difference?

rs65

The point is that you declared he had a clean licence but he didn't.

They charged you one premium but would've charged another had they known the truth.

durno6

I understand that, however that policy periods have now ended and surely I have no obligation to pay back dated premiums for both my oversight and also their own oversight.

raskazz

durno6 wrote: »

To my knowledge, my son had a clean license (which is currently the case) however during the previous 2yearish, the points would have still been on his license.

Does this make an difference?

Whether the licence is "clean" is not relevant.

What is relevant is whether the convictions were spent under the Rehabilitation of Offenders Act 1974. This states that motoring offences for which fines were imposed are not spent until 5 years from the date of conviction (i.e. must be declared even if the points are no longer used for totting up, or if the conviction has been removed from the licence). Convictions must be disclosed to insurers until they are spent, and insurers can use unspent convictions to alter the premium/terms.

starrystarry

durno6 wrote: »

I understand that, however that policy periods have now ended and surely I have no obligation to pay back dated premiums for both my oversight and also their own oversight.

What "oversight" was there by insurance company?

durno6

The oversight on their behalf would not be checking the validity of the information during the periods in which the policies were running and now coming back after over two years to inform me that I now owe X amount and it's not exactly a small sum of money

starrystarry

So they found out because you have another policy on which the points were declared. Which policy started first? When did they start?