Admiral insurance backdating insurance premium

mikey72

rodmat wrote: »

I do not disagree with compensation when it is due. In this case it it not. The error was made by the policyholder not the insurer.

Lucky for us the FOS get to make the final decision then.

dunstonh

mikey72 wrote: »

Yes. but you can challenge them, ask for a breakdown for each year, and ask the FOS to decide on the previous years to be returned to you, with any costs, and about £50 compensation to cover your inconvenience.

Hold on, the person hasnt disclosed information and Admiral are acting correctly. So, what would this compensation be for?

Lucky for us the FOS get to make the final decision then.

And more money wasted that policyholders will pay for in increased premiums because of a frivolous complaint.

joewreed

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 over £1000, i have got a full uk automatic licesense and there saying cause i only put down i have a full uk licesense there backdating 4 years and charging me over £1000 is there any way i can fight this and not have to pay that amount of money, many thanks

mikey72

dunstonh wrote: »

Hold on, the person hasnt disclosed information and Admiral are acting correctly. So, what would this compensation be for.........

Helping themselves to money the op is in dispute about. If they want to randomly snatch it, when it hasn't been established anywhere that it is owed for a spent policy, they can compensate the op if it is later decided it's not owed. If you are sure they are acting correctly, (and no one else has committed to that in this thread) and you can provide a link that it is contractually due, such as a previous FOS decision, please do.

rodmat

If my son had 2 speeding offences I would certaintly remember this each time I insured or renewed a car insurance policy. It is your responsibility to check all info is correct. At each renewal you are asked again if there are any convictions. If an insurance policy is still running even after several renewals it has not lapsed and is still bound by the original contract If that contract was set up with false/incorrect details the FOS will not rule in your favour. They are also aware many policies are set up with people conveniently 'forgetting' certain things that they know full well will increase the premium.

dunstonh

joewreed wrote: »

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 over £1000, i have got a full uk automatic licesense and there saying cause i only put down i have a full uk licesense there backdating 4 years and charging me over £1000 is there any way i can fight this and not have to pay that amount of money, many thanks

You can avoid it by telling the truth at application. Unfortunaly, you have been caught. So, your choice is to pay or not to pay. If you dont pay, they can cancel your insurance and you will spend the rest of your life having to declare that cancellation.

mikey72

dunstonh wrote: »

You can avoid it by telling the truth at application. Unfortunaly, you have been caught. So, your choice is to pay or not to pay. If you dont pay, they can cancel your insurance and you will spend the rest of your life having to declare that cancellation.

Pay for this year. If they threaten to cancel this years insurance for payment claimed by them for previous years, refer the complaint to the FOS, as posted earlier. You may be forced to pay in the interim however. It's worth getting a quote with a false name, close address, generic car, but with a manual, and automatic licence, to see what difference they normally charge. If it is similar to what they are asking, fair enough, if it's not, complain for this years payment as well.

dunstonh

mikey, it is fair game when an insurance company does wrong. However, when a policyholder does wrong and potentially commits fraud, you still seem to want to blame the insurance company. Try and be a bit more balanced.

rs65

dunstonh wrote: »

mikey, it is fair game when an insurance company does wrong. However, when a policyholder does wrong and potentially commits fraud, you still seem to want to blame the insurance company. Try and be a bit more balanced.

I agree with what you are saying with regards to the poster failing to disclose points.

The poster with an automatic licence is different. He should check comparison sites to see what difference a regular or automatic licence makes. I don't understand why he should be asked to pay more. Does an automatic licence increase risk?

mikey72

dunstonh wrote: »

mikey, it is fair game when an insurance company does wrong. However, when a policyholder does wrong and potentially commits fraud, you still seem to want to blame the insurance company. Try and be a bit more balanced.

So, an insurer offers a price to insure a car that you have a valid uk licence to drive, offers a price, renews the same insurance for 4 years, then due to a paperwork mistake, decides you're a worse risk, as your licence doesn't include a type of car you will never drive, has no relevence to the car you have, and retrospectively applied a surcharge of £1000? And you support their standpoint, and even shout fraud as the poster hasn't got a licence he never claimed to have, for a car he'll never own or drive? And you claim that's a serious insurance company viewpoint to be respected? (I would also assume the retrospective charge is your opinion, and no proof it's actually contractually due?)