Admiral attempting to charge me an extra £908 for not declaring a no fault inicdent.

dunstonh

If you had made a claim Admiral would not have paid out.

They would.

So haw can they justify charging you for insurance they would not have provided?

Because they have provided cover.

Personally i would tell them to Foxtrox Oscar.

Enjoy getting competitively priced insurance for the rest of your life then. You would have to declare a voided policy due to non-disclosure and most mainstream providers dont offer cover when that is the case. It could extend into other types of insurance as well.

GingerBob_3

dunstonh wrote: »

They would.



Because they have provided cover.



Enjoy getting competitively priced insurance for the rest of your life then. You would have to declare a voided policy due to non-disclosure and most mainstream providers dont offer cover when that is the case. It could extend into other types of insurance as well.

And then some wonder why people lie to insurance companies! The insurance industry pond life put policy cancellation on a par with murder. Even debt isn't reported after six years, but insurance cancellation, well, if it happened when you were 18 you still have to report it when you're 100. It's pathetic. The "industry" is run by buffoons.

vacheron

zen135 wrote: »

The garage most likely involved the other driver's insurer here to pay for the repair under their "no fault repair system".

Are you sure that the other driver paid the garage directly?

Yes, I'm 100% certain. The other drivers dad called me after the accident and asked if he could keep the insurance companies out of it as his son was on a family policy and he was probably well aware how a claim would screw his whole family over for years to come.

I went to a lot of effort to emphasise with my garage that this was the case and ensured that the minimum amount of charges were incurred.

I refused the hire car and all the other courtesy stuff they would normally tag on the "insurance company is paying" gravy train and drove my car the 40 miles each way to my garages body shop at my expense so they could look at it to make the initial estimate.

While there I asked them to do as fair a price as they could because it was coming directly out of the pocket of a decent bloke who was just trying to look after his family.

I corresponded afterwards with him when the estimate came through and we kept in tough right through. He even texted me when I got the car back to make sure I was happy with the work they had done.

I guess no good deed goes unpunished.

vacheron

JimmyTheWig wrote: »

You need to read what dunstonh said, especially:

In other words, Admiral are seeing you as a higher risk as you are "the sort of customer who forgets to mention something important when applying for insurance".
Maybe they think that if you have an accident that you'll forget to mention that the pain in your neck had gone by the end of the day and claim for whiplash that lasted a week.

Is there a box to tick on the comparison website that tells them you are "that sort of customer"? I'm guessing not, so you can't get a like-for-like price.

Obviously we know the story behind what happened and have no reason to doubt the truth. So we know that you're not "that sort of customer". But they're not necessarily going to believe that. Which, unfortunately, means you're stuck.

I can appreciate that, but if I was that sort of risk (erroneous claims etc) how would I have amassed a quarter of a century of insured driving without claiming a single penny from any insurance company?

If they don't want my custom any more I can understand that as well, but if my policy is almost finished, they wouldn't have honoured a claim anyway, and I haven't had an accident in the intervening time, then I'll settle what is reasonably due and walk away. Why on earth is a £908 charge required in the next 3 weeks (apart from lining their coffers and teaching me a lesson?)

Quentin

vacheron wrote: »

....I'll settle what is reasonably due and walk away. Why on earth is a £908 charge required in the next 3 weeks (apart from lining their coffers and teaching me a lesson?)

You miss the point - they are accepting this was done in error (if they thought you did it deliberately to get a cheaper premium then you would have had your policy cancelled (very bad news for you - cancellations stay on your record for life, and few insurers will even quote you with this in your profile), and they would still chase you for the money.


Expect issues if you walk away owing them (apart from debt collectors etc) - insurers often don't help out anyone owing them by being awkward eg. not supplying proof of NCD etc

GingerBob_3

vacheron wrote: »

I can appreciate that, but if I was that sort of risk (erroneous claims etc) how would I have amassed a quarter of a century of insured driving without claiming a single penny from any insurance company?

If they don't want my custom any more I can understand that as well, but if my policy is almost finished, they wouldn't have honoured a claim anyway, and I haven't had an accident in the intervening time, then I'll settle what is reasonably due and walk away. Why on earth is a £908 charge required in the next 3 weeks (apart from lining their coffers and teaching me a lesson?)

Exactly the point. It's an extra-judicial fine, and they're blackmailing you to pay it. "Industry" standards allow them to get away with it. Considering all the organisations, companies, government agencies and the rest that the average citizen has to deal with, the insurance "industry" is at the bottom of shlt pile. Even below TV licensing and the DVLA, and that really is saying something.

vacheron

Well I managed to get home before their customer service line closed and have clarified a few things.

Below is the message they sent me. with no editing, just my name removed

When you buy a policy of insurance, we take steps to ensure the cover we provide is right for you so we can support you when you need us, for example, to combat any fraudulent activity. We recognise mistakes happen, so by validating policies we ensure a genuine oversight does not become a problem should you ever need to make a claim.

As a responsible insurer we check both internal and external databases to ensure the information held on your policy is accurate. Following a check of the information provided we have amended the following details :

A non fault incident dated 07/15 for <vacheron>.

This means a total balance of £908.24 is due. Please see the table below for the relevant payment dates. This balance includes any relevant administration charges.

Date:1 August 2016
Amount: £259.51

Date:7 August 2016
Amount: £648.73

Now to me this read like I was being charged £908.24 in two instalments, however the reality is that I am actually being charged £99.32 for this years backdated adjustment and admin charges and £808.92 for next years full multi car policy for 2 cars "IF" I chose to accept it!

Not sure about you guys, but that is certainly not how it reads to me!

Anyway, the customer service guy was very helpful and has gone to check the original phone call to see if I was asked about "claims" or "incidents" when I took out my policy. I can't remember to be honest, but he said if it comes back that the wording they used was incorrect they would cancel the £99.32 charge.