Van insurance renewal through Compare the Market and Sterling Insurance

Shredhedd

I informed Sterling that I wasn't taking the policy the day before the policy was due to come into effect. 

sheramber

Shredhedd said:

I informed Sterling that I wasn't taking the policy the day before the policy was due to come into effect. 

But they had processed you application and are charging an administration for that. That is normal.
It is not a charge for insurance cover , it is an admin fee.

ThumbRemote

born_again said:

ThumbRemote said:

400ixl said:

They had sold you a £288 policy which you had taken out, they are not accountable for the fact your omissions meant that you had not correctly declared your risk and it needed to be increased. That is an adjustment to the contract you had already taken.

Utter rubbish. The OP has already said there was no option to declare a medical condition initially. It is not an omission if you don't answer a question you're not asked. 

In which case you would contact them. As you need to inform them of all relevant facts.

This statement is ridiculous. The retailer is the expert who asks a list of questions then offers a quote. They have the opportunity to ask anything they want. It is not the customers responsibility to determine what are 'relevant facts' or to second-guess other questions that the retailer may have wished to ask but didn't. 

I might set up an insurance company, offer quotes, then afterwards charge an admin fee because the customer didn't contact me to say they once had fluffy dice in their car. 

See how ridiculous it is?

ThumbRemote

sheramber said:

Shredhedd said:

I informed Sterling that I wasn't taking the policy the day before the policy was due to come into effect. 

But they had processed you application and are charging an administration for that. That is normal.
It is not a charge for insurance cover , it is an admin fee.

Again, ridiculous. 

The retailer offered a contract, the customer accepted, the retailer then modified their offer and wants to charge the customer an admin fee for it. 

Not normal. 

There is no acceptance of the modified contract. There can be no admin fee.