Help Admiral charging £350 for discrepancy

Crawford93

Admiral car insurance conducted a documents validation 9 months into my policy. They requested copies of my V5, driving licence and driving licence history. Whilst conducting this validation they discovered a discrepancy with the year I purchased my vehicle. I filled in the documents online and they say I stated I purchased the vehicle in 2014 instead of 2015. No day or month just the year. I have have fought to the death over this. I have said it could have been and accidental or intentional mistake on there part. However they claim there is no human contact with the information I provide and the information being written on my policy. They have provided no proof of this though. I don't know what else to do they are adiment this is my mistake. Even if it is true it is such an easy mistake to make as it is all drop down menus on there website when giving the information. Im struggling to see how if this mistake was infact mine, how it can warrant a charge of £350. I have made no claims. Help.

Marktheshark

Serve a written complaint upon them of overcharging stating it starts the complaint procedure for the FCA Ombudsman and send it by certified post.

Crawford93

Yeah I've threatened them with contacting the ombudsman services and Admiral actually sent me there leaflet in the post lol. Im going to speak to them on Monday and see if they can help.
Thanks

dunstonh

If there is no human input, then you are responsible for the data you input. If that data turns out to be wrong then they have two options available to them:
1 - if they believe it is intentional, they can void the policy and keep the premiums and you then have to declare a voided policy for the rest of your life
2 - accept it was accidental incorrect disclosure, correct it and advise you of the premium adjustment.

They have provided no proof of this though.

They don't need to. That is generally how most internet based applications work.

Even if it is true it is such an easy mistake to make as it is all drop down menus on there website when giving the information. Im struggling to see how if this mistake was infact mine, how it can warrant a charge of £350. I have made no claims. Help.

It does seem a very big adjustment for just one year on purchase of vehicle. Have you tried doing a dummy quote online (using some fake data) and see what difference a year makes?

eah I've threatened them with contacting the ombudsman services and Admiral actually sent me there leaflet in the post lol. Im going to speak to them on Monday and see if they can help.

A threat of the ombudsman won't worry them as it is not a failure on their part.

stator

Better to pay the cancellation fee and start again with a new insurer? Don't let Admiral cancel your insurance because then you'd have to declare that. If you cancel it yourself you're ok?

GingerBob_3

Slightly OT but:

if they believe it is intentional, they can void the policy and keep the premiums and you then have to declare a voided policy for the rest of your life

You can commit the most heinous crime, and often as not you'll eventually be released from prison. But here, you may have had insurance cancelled at age 20, and 50 yes, bloody 50! years on you're in your seventies and if you don't declare the cancelled policy they'll like as not use it an excuse not to pay up in the event of a claim. Insurance "industry" = vile pond life.

GingerBob_3

stator wrote: »

Better to pay the cancellation fee and start again with a new insurer? Don't let Admiral cancel your insurance because then you'd have to declare that. If you cancel it yourself you're ok?

Yes, best get shot of Admiral while you can. Don't take any chances with this one.

Crawford93

I mentioned cancelling to them and they said they would deduct the £350 from the money they would refund me. It would also mean wasting nearly 10 months towards another year no claims. I will try some dummy quotes.

gwarde

My daughter has just suffered the same fate from Bell Admiral, the claim is that on a comparison website she put car purchased in 2007 when it was 2016. She would have been 12 in 2007!! It appears there is no way to avoid the £424 extra.

EdGasket

If you get two quotes from their website (or Elephant's; same group) with the one year difference in year purchased and it turns out to make very little or no difference to the policy then you would have grounds to complain to the ombudsman about blatent profiteering by trying to charge you an extra £350.
Let us know what the two quotes difference is??

Retrogamer

Seems a bit strange this one. If you purchased the car at the end of December 2014 there would have been a £350 premium change between that date and the start of January 2015.

I think what they probably have done is re-quoted you with all the correct information based on their quotes today.
I suspect if they re-quoted you today, even without the date change the premium would be higher and they've just added that in to justify it.

Happy to be corrected though.