Admiral Car Insurance Cancelation £££

robbo2347

Recently my car insurance was up for renewal. Admiral (who was my insurer) had quoted me around £600 for this to be renewed. I then went on Comparethemarket.com and found Privilege were offering me the same deal for £350. I then called Admiral asking if they can match or better that deal, they then went through all my details again, both finding out that they had missing information of a speeding offence i had occurred in 2010. They then refused to cancel my insurance with themselves and requested i payed £450 of extra insurance that i was 'Due them'. I informed them that I had let them know about this speeding offence soon after it happened. They have then "listened" to old phone calls i have made to them, and claim i have not informed them.

With the previous years of insurance (Dating back to 2008) I have not made any claims or called them reference renewal. I have just let the insurance carry on. I am just wondering, Do i need to pay this money, as my honest belief is that I called up and spoke to someone reference my speeding offence just after the points were put onto my licence? Also is it possible to receive a copy of these Audio Files of my phone calls?

Has anyone else experienced anything similar?

Captain_Shambolic

Okay well firstly the £450 will be made up of an admin fee and the change of risk for the 3 years they have not had the record of the speeding conviction (as having a driving conviction is a pretty big change of risk) so considering it's 3 years £450 wouldn't be out of the realms of possibility (also worth noting that an SP70 say will carry greater risk than an SP30)

You can legally request the tapes of your calls that they have listened to sent to you if you want to listen to them, I believe there is a standard admin fee of £10 and they can't refuse these tapes but it'll probably take some time for them to get to you.

lisyloo

as my honest belief is that I called up and spoke to someone reference my speeding offence just after the points were put onto my licence?

I know it's no use to you in this case, but I would advise other readers to get important decisions like this in writing or email and not rely on phone calls.

Also is it possible to receive a copy of these Audio Files of my phone calls?

You can ask for a SAR (subject access request) under the data protection act and the max charge in £10. You are entitled to all infomation they have on you.
I've done it before and got transcripts including every "um.." and "ah...".

However note some places will recycle tapes so there is no guarantee.

In your position I would certainly do this for the sake of £10 (which is the max, not compulsorary - when I did it I was not charged).

dunstonh

If you failed to tell them then they have every right to ask you to pay the back premiums. The FOS non-disclosure guide makes it clear that accidental non-disclosure does allow the insurer to collect the premiums. If they classed it as intentional non-disclosure, they could void the policy and that would be more damaging. They are not doing that thankfully for you.

If you told them and the transcript of the call confirms it then you would expect them to waive back years but increase for this year.

coolgee6

a car went into the back of my car whilst I was queing on a roundabout. The owner of the car got out and admitted it was his fault. Today we have had a phone call from his insurance company saying 'the driver has admitted liability'.
My car wasn't damaged too badly in fact it is a broken light therefore I do not wish to claim through my insurance.

forgotmyname

coolgee6 wrote: »

a car went into the back of my car whilst I was queing on a roundabout. The owner of the car got out and admitted it was his fault. Today we have had a phone call from his insurance company saying 'the driver has admitted liability'.
My car wasn't damaged too badly in fact it is a broken light therefore I do not wish to claim through my insurance.

How does that help the original poster with their 20 month old insurance question?

If you have a problem and require help the A-Team.. oops nope...

Start your own thread...

Quentin

coolgee6 wrote: »

a car went into the back of my car whilst I was queing on a roundabout. The owner of the car got out and admitted it was his fault. Today we have had a phone call from his insurance company saying 'the driver has admitted liability'.
My car wasn't damaged too badly in fact it is a broken light therefore I do not wish to claim through my insurance.

You now need to comply with your policy conditions and inform your insurer of the incident (it will be on the database courtesy of the third party insurers).


You also need to declare this as part of your history when applying for quotes from other insurers over the next 3/5 years (depending on the length of history asked for)


Go back to the third party insurer and ask them to repair your car (at your choice of repairer).


They should do this and provide you with a replacement car whilst yours is repaired. (This will all be at no cost to you)