Car Insurance - fees for changing policy

CptBlack

Hi,

I've had 2 changes recently, 1 I've moved house and 2 I've bought a new car. The policy is with Just Motor Insurance and is due to expire in November.

For the change of address there was a fee of £80, £30 for the policy change and a £50 admin fee, which I've paid

With the change of car I've being told there's a £110 fee, £60 for the policy and another £50 admin fee which I've not paid yet (2 days left of a complimentary cover so I have a bit of time).

I'm arguing the two lots of £50 fees are unfair (the policy change fees are understandable I think). So I think my options are:
1. Lump it and pay the price
2. Cancel and switch to a new provider
3. Argue the fees

With switching to a new provider, I'll get hit by a £50 cancellation fee, is it worth it when the policy is due to expire in November anyway? What would happen with my no claims bonus? Probably not a feasible option.

With arguing the fees, what are my chances of success? Has anyone dealt with this insurer? Are they set by the broker or the underwriter?
Should I argue before or after paying given I only have a couple of days before it needs to be sorted?

Sorry for the barrage of questions, just a bit annoyed at £100 in fees for the simple changes.

Thanks,
Chris

lisyloo

is it worth it when the policy is due to expire in November anyway?

Well that depends how much cheaper the new option is.

What would happen with my no claims bonus?

You would not accrue any no claims from last November, so you'd still have the same as you had at November 2015.
Do you have a copy of your renewal notice from November 2015? Make sure you have adequate proof for your new provider before switching, normally they want the renewal notice.
Personally I always take a copy in case it's lost in the post, but if you've sent if off already without taking a copy then you might not have it anymore.

Should I argue before or after paying given I only have a couple of days before it needs to be sorted?

Before definitely, although I'm not sure you have much of a bargaining position.
I'm afraid that's the way it is these days and because you accepted the terms and conditions and they are within the limits of what's regarded as fair then I'm afraid you don't have a leg to stand on. All you can do is ask nicely.