Admiral - charges for end of insurance

InsideInsurance

Most the rules for insurers are contained with in the FSA's Insurance Code of Business (ICOB) which can be found http://fsahandbook.info/FSA/html/handbook/ICOBS

As always with law, it is not written in the most user friendly manor and is highly open to interpretation.

forgotmyname

They wrote to you. And the post got lost not unusual these days. Ive had a fair few items go missing lately.

The debt collectors are not asking for the full premium because they cancelled your policy 1 month in. So 1 month + charges + debt collection fees.

Do they have the right address? Have you moved?

Why did you not chase up the lack of paperwork before the policy expired?

Were they in the wrong? You would have to prove they didnt try to contact you. Surely you got some mail from them?

No renewal, No failed payment letter? But the debt collection letters arrive OK?

You were in the wrong for not checking the renewal.

Quentin

qwertyjjj wrote: »

Then why didn't they charge the full renewal price in the debt collection?
Out of interest, why would it affect future insurers? It's not like they cancelled it because of something else such as points or refused insurance.

They could only collect what you owed up to the date of cancellation (you are pretty upset with them over that - you'd be up the pole if they wanted a year's premium + cancellation fees + debt collector charges!!)

You are always asked if you have "ever" had an insurer cancel a policy when asking for quotes, and the majority of mainstream online off the peg insurers won't quote once this is on your record.

This means you may have to go to specialist companies who take on "problem" clients.

But try and sort it with admiral - and you do need to tell your current insurer about the cancellation straight away (it seems you didn't do so when getting the policy - otherwise you risk them refusing any claim on the grounds of your non disclosure). Some don't get too upset about cancellation over payment problems - others do, and this could bite you if you end up with a void policy.

learningaboutinsurance

qwertyjjj wrote: »

Are there any legal requirements that I can quote to ensure that they should have reminded me or tried harder to get alternative payment?
I can of course cancel the card payment with the debt company if needed and that will not admit there was payment due but Admiral will no longer accept any payment on their end even if I was to pay some of it (ie exclude admin charges).

i think the question is did you contact them to inform them of changes to payment.

can you prove they had not tried contacting you? maybe they had sentt the letter and you may of thought it was junk mail and threw away, maybe they tried calling you and you were anable to answer or they coulnd't get through. but the fact remains you had provided them or in principal agreed for auto renewal and then weren't able to pay.

you are asking for legal points, but they have not done anything wrong that you can prove from your post you have stated.

what i do is remember the month i took out insurance then bookmark it on phone or laptop calender app and remind me in a years time and you know what it does work and helps in situations like this

qwertyjjj

forgotmyname wrote: »

They wrote to you. And the post got lost not unusual these days. Ive had a fair few items go missing lately.

The debt collectors are not asking for the full premium because they cancelled your policy 1 month in. So 1 month + charges + debt collection fees.

Do they have the right address? Have you moved?

I moved so that is probably the issue.

Why did you not chase up the lack of paperwork before the policy expired?

I don't normally stick a calendar reminder for renewals because I always wait for the letters to arrive

Were they in the wrong? You would have to prove they didnt try to contact you. Surely you got some mail from them?

Why is the onus on me to prove that and not them?

No renewal, No failed payment letter? But the debt collection letters arrive OK?

Sent to a family address. I presume the debt collection sent it to all my known addresses.

You were in the wrong for not checking the renewal.

Quentin

qwertyjjj wrote: »

I moved so that is probably the issue.......

They will say they never received your change of address, and sent correspondence to the address you gave them (as set out in the policy conditions)

But take the advice, and forget about complaining and concentrate on trying to get them to reinstate the policy!

rudekid48

OUt of curiosity, how exactly did you expect them to try alternative ways of caontacting you if you had moved address and not told them? Would you expect them to hire a PI to track you down and tell you that your insurance was due?

qwertyjjj

rudekid48 wrote: »

OUt of curiosity, how exactly did you expect them to try alternative ways of caontacting you if you had moved address and not told them? Would you expect them to hire a PI to track you down and tell you that your insurance was due?

phone, email
I believe policy was "no paper" anyway

Quentin

From what you say, it seems you never told them about your change of address??

If so, if you stir up this issue, expect the possibility of more charges to follow (for backdated premium change + admin fee for the cover at your new address).

Try grovelling for the policy to be reinstated instead!

qwertyjjj

New insurer has confirmed that that type of cancellation has no effect on the policy.

Old insurer has confirmed they will give all the money back providing I can confirm when the new policy started regardless of renewal rules so I don't think I'll get the month coverage returned but I could push for the admin fees back for sure.