Insurance trying to scam me?

MrBankrupt

Hello all!

Iam originally not from the UK and a bit shocked about a message from my car insurance i just got and I wonder if this is the normal procedure here or if they try to scam me.

I have (had) a car insurance with admiral.

Last week someone has stolen my wheels from my car and put a lot damage on it.
So i called my insurance and they declared my car as a total loss.

So far so good.
I have paid the full premium for a whole year in advance in november.
Now after i reported the case, i asked my insurance for the repayment of the overpaid premium.
And i just got this message back:

"Having reviewed your policy, we can confirm that the full premium is due, as a fault claim is reported on the policy."

Well, how is it my fault if someone has stolen my wheels???
Does my insurance company handle this case correct?

Many thanks for your help.

[Deleted User]

Yes, that's correct, assuming they haven't caught whoever stole your wheels.

There's no refund and no scam.

Quentin

From what you say this is correct


You claimed off your policy, so it must be paid in full.


"Fault" refers to it being a cost to your insurer (they have no-one to recover their outlay from)


You should be able to put a replacement car on cover (check that any replacement is acceptable to your insurer before you buy it)


Check with your insurer how long you have to put a replacement car on the policy.


(You aren't being scammed!)

soolin

MrBankrupt wrote: »

Hello all!

Iam originally not from the UK and a bit shocked about a message from my car insurance i just got and I wonder if this is the normal procedure here or if they try to scam me.

I have (had) a car insurance with admiral.

Last week someone has stolen my wheels from my car and put a lot damage on it.
So i called my insurance and they declared my car as a total loss.

So far so good.
I have paid the full premium for a whole year in advance in november.
Now after i reported the case, i asked my insurance for the repayment of the overpaid premium.
And i just got this message back:

"Having reviewed your policy, we can confirm that the full premium is due, as a fault claim is reported on the policy."

Well, how is it my fault if someone has stolen my wheels???
Does my insurance company handle this case correct?

Many thanks for your help.

Yes it is correct. You paid for a years insurance on the car, it doesn't matter if you claimed on day 1 or day 365 of the year - the premium was still due in full.

MrBankrupt

Many thanks for the replies!

Wow, I didn´t expect that.
It´s funny how diffrent the things are in diffrent countrys, even it´s all europe.

Thanks all for your fast help!

tempus_fugit

MrBankrupt wrote: »

Many thanks for the replies!

Wow, I didn´t expect that.
It´s funny how diffrent the things are in diffrent countrys, even it´s all europe.

Thanks all for your fast help!

I would imagine this is the same in other countries too - it couldn't really be otherwise. Insurance principles are pretty much universal.

csgohan4

You pay monthly or yearly, it's still the same. In fact your worse off paying monthly, your effectively getting a high interest loan to pay the premiums

Blibble

soolin wrote: »

Yes it is correct. You paid for a years insurance on the car, it doesn't matter if you fault claimed on day 1 or day 365 of the year - the premium was still due in full.

if the perpetrator had been caught and a full recovery made, the full premium wouldn't have been due.

As they are unable to recover the cost of the claim, full premium payments would be required.