Named Driver Car insurance Charge Increase 150% from provisional to full licence after Policy ended

POPPYOSCAR

bertiewhite wrote: »

OK, she's been very lucky then. They do in my experience.

And on renewal her premium went down.

What is lucky about that? That is their procedure obviously.

Kayfranky

Molerat;
Thanks for your reply:

I have some good news after complaining to Admirals complaints team in an official email.

This is the email I sent:

---

Hi ,
Just to confirm I have spoken to one of your customer service personnel on Friday.

As agreed with him,first of all My account was not cancelled,however the contract had come to an end as scheduled.

But this new bill of 690.51 for 5 months came about because my wife who was the second driver had her license changed from provisional to full in the last 4 months to the end of my contract.

I appreciate the fact that these changes can lead to an increase in premiums..But this quoted increase amount means there would have been an increase of around 170£ added to the monthly payments of about 110£.which works out at about 280£ per month.
This is over 150% Increase on the previous existing premium,which is too excessive.

The FCA rules and guidance clearly states that customers should be treated fairly at all times,before,during and after a term of contract or service has ended.
I feel Admiral are not being fair with me considering this excessive charge increase of about 150% on top of my previous existing premium.

Also the FCA rule GC 19/3 talks of Price discrimination "And it suggests that customers should not be price discriminated in anyway or form".
With all of the above said;I strongly believe 150% on top of my previous existing premium has been very unfair and excessive.

However, I am willing to offer £300 to pay to settle this account under the following conditions:
• Your company will delete all references to this account from my credit profile at the three credit bureaus (Experian, Equifax, and TransUnion)
• You will not list this debt as a “settled account.”
• Your company will accept this payment to satisfy the debt in full
• Your company will not attempt to sell or transfer this debt to another creditor
• You will make no mention of this agreement to outside third parties

If you agree to these terms I will:
• Pay the amount of £300 in one single payment via bank transfer or Direct debit.

Please understand that I require your written agreement before I proceed to make the said payment.

Thank you.

Sincerely,

Mr ********

Kayfranky

Hi all Just a final update :

Today I have received this response from Admiral; where they have agreed to close this case and write off the Outstanding bill.Thanks all for your advice especially Poppyosar,UK1 and Molerat :

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Dear Mr ***********
Policy Number: P6************
Complaint Reference:***************

Thank you for taking the time to contact us on 28/01/2020. I am sorry to hear you were unhappy
with our service. We value our customer feedback and treat any concerns seriously.
During our recent communication I explained I would treat your concerns as a complaint, and
you would receive confirmation of this in writing.
You confirmed I had addressed all your concerns, and we now consider your complaint to be
resolved.

I have arranged to write off the £690.51 that was due leaving a 0 balance due.
If you have any questions or queries in the meantime, please contact us on:
0330 333 5888 or e-mail us at quality@admiralgroup.co.uk
You have the right to refer your complaint to the Financial Ombudsman Service, free of
charge – but you must do so within six months of the date of this letter.
If you do not refer your complaint in time, the Ombudsman will not have our permission to
consider your complaint and so will only be able to do so in very limited circumstances.

For example, if the Ombudsman believes that the delay was because of exceptional circumstances.
Here is the link to ‘Your Complaint and the Ombudsman’:*************

Yours sincerely
*****************
Customer Assurance

Kayfranky

bertiewhite wrote: »

Premiums always rise when a learner goes from provisional to full license as they are then unsupervised.

Not Always Bertie;As my case clearly shows..the insurance companies keep over charging customers for minor changes..When you complain and make your point clear by quoting some laws they soon give.

See the conclusion of my case below.

Hasbeen

LOL Why do posters keep using the American term license rather than the English term of Licence?

We are in the UK, well at the moment:rotfl:

DCFC79

Kayfranky wrote: »

?Will they report this on my credit score?I am really worried as I am looking to get a mortgage later this year and dont want this to be an issue on my score.

Is that the credit score that only yourself can see ?


Lenders see your history and not your score.