Diamond Car Insurance

HLM99

Had an email today from Diamond who insure my car. They have made a change to my policy and charged me for it.

I asked for details and they replied with:
"A system check on your policy has identified a possible claim under your name This information was taken from a sister company of which you are insured wit with this information. The claim details have now been noted on this policy and the additional charge is £17.50. Since, you had not disclosed the claim when you bought this policy we have now updated the same on the policy."

After some investigation, it turns out that my wife's policy is in fact wrong as she listed the wrong year for a previous claim. There was no attempt made by Diamond to investigate or contact me prior to taking money from my card. Are they really allowed to do this?

meluk

Dianmond is part of Admiral Insurance. They appear to have a policy of maximising money from us when it suits e.g at the moment they are trying to charge me over £80 for a car policy I have not taken out with them.

dalesrider

HLM99. When you sign up you give them the right to check the details and update the policy price.
have you checked your/Mrs spam/junk folder for emails from them?

Meluk. Have you EVER had a policy with them?

TherealMandM

meluk wrote: »

Dianmond is part of Admiral Insurance. They appear to have a policy of maximising money from us when it suits e.g at the moment they are trying to charge me over £80 for a car policy I have not taken out with them.

just like when you want to pay in instalments.
using all the compare sites admiral was cheapest for me at single payment £754.72 instalments £1254.92

luckily I used a broker that was single payment £499.27 single payment and £524.27 instalments.

the interest they charge is a joke

HLM99

dalesrider Thanks for info. Have checked both our emails - nothing! What particularly irks is the lack of investigation into the correct info.

johnmc

I'm sure someone more knowledgeable will come along. In the meantime I would get your wife to phone their helpdesk and get them to update their records. Try the Data Protection Act as any information they hold must be correct.

Then ring your insurance and ask them to re-adjust and refund.

Then I'd look at shifting the policy on renewal (not that I ever renew).

InsideInsurance

So from what you say you have made a false declaration on another policy and you are complaining how that is affecting this one?

Insurers, almost without exception, have in their T&Cs the fact that they retain payment details and set up a Continuous Payment Authority so that they can make further charges as required.

Insurance works on the principle of utmost good faith, it is therefore reasonable for them to assume your wife's declarations were honest and correct and therefore reasonable for them to mirror it across to the new policy and give you the benefit of the doubt that you werent trying to defraud them.

If you state your wife has made a mistake you need to send them evidence to prove the error that she made and thus the claim should be removed from both policies. Whilst removing it from yours shouldnt be an issue given its their actions, to remove it from your wife's policy where its her fault that its there may well attract their standard administration fee which may well be more than the additional premium you were charged.

Buzby

Afraid you were very lucky. They could simply have cancelled your policy adversely and left that millstone around your neck for the next 5 years as you have to declare the cancellation.

As it stands, for a mere £17.50 you avoid all this and carry on as before. Sounds like a bargain.

dalesrider

johnmc wrote: »

Try the Data Protection Act as any information they hold must be correct.

as she listed the wrong year for a previous claim

So Ins co have not done anything wrong.

They have simply taken the info provided and then checked this against system held info.
I would say that as they have charged the OP, that they have now updated the details to the correct date.