Please help! Insurance nightmare.

notanewuser

SimonSays wrote: »

but if she held insurance elsewhere they would provide cover on tpo basis

NOT FOR 20 YEAR OLDS!!!!!

Many insurers don't offer it to anybody nowadays.

SimonSays

Quentin wrote: »

As you will have picked up from the advice you have been given, in the face of all this there is something not right.

In who's corner this is cannot be determined from the info we have, but irrespective of all this you cannot rely on anything from this forum as her defence.

In view of the large sum involved she does need to get proper legal advice over this now before the whole thing escalates.

(And although secondary, if this does turn out to be all Admiral's fault, then that will mean the policy was wrongly cancelled (what reason did they give for cancelling it?), and she should chase this up with them and get the cancellation expunged from her record - as it stands she has to disclose this for evermore, meaning getting insurance cover will be hard and expensive if a company is prepared to take her on)

There seems to be a massive gap in the story. Something doesn't sit right. At my company if you tried covering a car not owned nor being purchased by the proposer (unless its your spouses and you are married) then its a decline. I suspect somewhere the proposal had some misrepresentations on it.

SimonSays

notanewuser wrote: »

NOT FOR 20 YEAR OLDS!!!!!

Many insurers don't offer it to anybody nowadays.

On bikes our panel it to 16 year olds who passed their CBT a few hours ago. On car our panel offer it to anyone but those in the motor trade or deliveries.

SO A 20 YEAR OLD CAN HAVE IT

notanewuser

SimonSays wrote: »

On bikes our panel it to 16 year olds who passed their CBT a few hours ago. On car our panel offer it to anyone but those in the motor trade or deliveries.

SO A 20 YEAR OLD CAN HAVE IT

Please name the companies on your panel then.

Not one mainstream direct insurer offers it. (Admiral certainly don't and they never have, so your questions about why she didn't use it seem a little silly, don't they?).

SimonSays

Aviva, ERS, Ageas certainly do. Markerstudy are a little more picky.

SimonSays

RebekahL wrote: »

Admiral did a temp insurance for me as I had previously held a full policy for my first car. As I said before they knew it was my friends car. And in regards to TPO insurance it is cheaper for me as a young driver to get fully comp.
I get that there is clauses and regulations regarding the matter but the fact still stands that I did nothing wrong but admiral aren't interested in finding the truth or chasing the actual driver and owner, just me. So I'm the one who's been left in the s while she skips away into the sunset scot free. I will fight this regardless. I don't understand how admiral can ask 20k from me but "only 17k if you pay within 28 days" for a crash in which the the victim drove away, had no injuries, no time off work. It's madness, it seems that admiral are trying to cash in from me big time.

Whats fully comp? A contradiction of terms You mean comprehensive?

As for TPO being more expensive than comprehensive for a young driver I do strugggle to believe that. Unless its by a few pounds but Ive seen TPO cheaper for young drivers more than anything.

I still think there is something wrong here. Everything you've said screams to me as decline cover. Something is being hidden. Also you've switched accounts?

RebekahL

I can't answer why or how they insure 20 year olds on temp or not, on tpo or full. I was sold on a full policy by admiral because they didn't want to keep selling me temp insurance just when I needed it. They wanted me to be on the books properly so made it happen. I went from paying £25 for a week insurance every other week almost, to paying £90 odd a month and a deposit. It doesn't take a genius to work out why they wanted to give me a full policy. I was a trusted driver in their eyes I had 1 year no claims earned with them in the previous year, no payment problems etc and had been no problem on the temp cover.

Quentin

Are you able to tell us what reason they gave for cancelling your policy?

notanewuser

SimonSays wrote: »

Aviva, ERS, Ageas certainly do. Markerstudy are a little more picky.

Aviva's direct policies offer DOC to over 25s only.

None of the others sell direct policies, and AdrianFlux has never been (to my knowledge) a mainstream broker (nor have they ever been competitive for me on my jap performance car!).

So your repeated advice that the 20 year old Admiral customer would have DOC was, at best, a bit daft, don't you think?

notanewuser

SimonSays wrote: »

Whats fully comp? A contradiction of terms You mean comprehensive?

As for TPO being more expensive than comprehensive for a young driver I do strugggle to believe that. Unless its by a few pounds but Ive seen TPO cheaper for young drivers more than anything.

I still think there is something wrong here. Everything you've said screams to me as decline cover. Something is being hidden. Also you've switched accounts?

One poster is the mother, the other is the daughter/insured.

You can kinda tell by the use of "she" and "my daughter" by one and "I" and "me" by the other.