New Car Insurance Policy - Extra Charge???
Took out a new car insurance policy today with the AA.
I used MSE to get the best price and was very pleased.
I paid for the new policy 20 days ago.., and no issues...
Two days ago I got an email from them saying that my car had been involved in an accident / claim back in 2020, and I owed them another £37..
As far as I was aware, I've never had any accidents or claims in the last 20 years or more.
A phone call to the AA and they said my car was involved in a claim back in 2020, and that this had been flagged up with my then-insurer, ESURE.
The AA said if I could get a letter from ESURE confirming no claims or anything had happened they would get it removed.
I rang ESURE and they said that there was an "information only" flag on my account from 2020, and they were surprised the AA even had it on their system.
This related to another ESURE customer's son, scaping my parked car in a local supermarket. I had informed them of this, but myself and the other driver sorted it all out between us, as it was a minor mark and we were both ESURE customers, so no point in a claim etc..
ESURE sent me a letter which I forwarded to the AA which stated, “no claims had been made on the policy number” and as far as they were concerned there were never any, as it had been resolved by myself and the 3rd party, privately and outside of the insurance company.
Simple problem, sorted out between the two of us privately in 30 mins. I contacted ESURE at the time to ask if this would be an issue and cause me any problems in the future and I have an email from them saying there were no issues as no claim had been made and it would never be a problem, so I never thought any more of it..
Also, worth mentioning that my 2021 insurer never mentioned it, and last year's insurer, Hastings Direct never mentioned it.
I forwarded the letter from ESURE to them, and they said “The claim information that we have recorded does already show that the claim was closed and non-fault and no payments made, the incident still needs to be noted and the additional premium is still due”
This seems mad… No claim of any description was made and that was confirmed by ESURE, and I would argue, weight was added to that by my last two insurers as they never considered it as “nothing” happened..
Are we saying that if back on 2020 I had contacted ESURE to ask them the time.., they would have recorded that as “information” on my account…, and by that the AA guidelines is considered a “flag” on your account..? – No claim happened, end of story..
I have had no option by to fork out £37 on top of my policy for something that never happened and wasn’t my fault in the first instance..
Are there any Ombudsman-type bodies that I can go to in order to get this reversed, or challenged..?
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