Cancellation Charge on Home insurance

Hello all,
I have received a charge of £48.41 ( £39.50 admin fee) from Admiral for a policy that i have never actually received. I think i have been a bit naive/stupid on this one... I had Admiral last year for my home policy. I didnt get a renewal email or letter until after my policy date was due. My fault as i changed my email address & clearly didnt notify them. I did receive a letter stating that if i didnt get in touch my policy would be cancelled as i needed to update my payment card. Yes, my card was changed in November, as its a JL Card, so i had to..and no it didnt occur to me that come May i would need to contact Admiral. Like i said stupid! Therefore Admiral sent me a letter...which i admit i ignored as i had already got home ins from another provider. I then got another letter from them saying i needed to contact them..but as i had ins & i knew no payment could be made, i again ignored the letter...until now, as they clearly want money from me. Sorry for  the long explanation.. but am i legally obliged to pay this charge? Its not a huge amount, and as i say i admit io have nbeen stupid, but prior to the letters, i didnt give it another thought to update my details to them. Thank you


  • DullGreyGuy
    DullGreyGuy Forumite Posts: 6,299
    1,000 Posts First Anniversary Name Dropper
    edited 23 June at 11:05AM
    1) You are legally obliged to pay it 

    2) You now need to inform your current insurers and all future insurers that you've had a policy cancelled for non-payment

    The fact you changed your email address and didnt bother to inform them doesnt give you any form of get out of jail card.
  • Ferboz
    Ferboz Forumite Posts: 33
    Second Anniversary 10 Posts
    Thank you. Fair enough.
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