Insurance backdating on clerical error

Riccam87

I have recently renewed my car insurance with admiral. After taking out the insurance I received a letter. It was with regard to the convictions I had on my licence. When I completed my paperwork this time round I had a past conviction from 4 years ago which I had accidentally forgotten to enter on last years insurance paperwork. The insurance company have now sent me a bill and taken £120 from my account as a back dated charge for last years cover as i had forgotten to declare the driving offence. Also when in discussion on the phone with the insurance company they started questioning me with regard to any driver awareness courses I had been on. As I had been on a course they bumped up my premium for my next insurance period but this was not asked for on the web page Where I got the original quote. Can they do either of these things?

rudekid48

short answer - yes.

paddyandstumpy

There is another, similar question about Admiral upping the premium for the disclosure of a SAC.
Answer on that was the same, they can rate on it.

Regarding the nondisclosed conviction and then charging the correct premium, where's the problem?
Would you prefer they voided your policy (which you'll then need to disclose going forward) for nondisclosure?

Blibble

Admiral made a calculation for how risky you were to insure, and put a figure on how much you'd have to pay to be insured (i.e., your premium). You, knowingly or otherwise, gave false information and therefore this calculation was wrong. They have the right to charge the correct value on the back of further information.

silvercar

From your point of view, there is the annoyance that had you changed insurers this year, last year's omission would not have been uncovered and you would have saved yourself £120.