Car insurance

markbenson116

Beam from the AA quoted my wife for car insurance, price was great,

They then emailed to say the price is 145 pounds extra as I was on the policy and had a claim previously

My wife asked for me to be removed and the price did not change at all because they told her

The quote was based on myself being on the policy, she asked to cancel they said there are 3 fees involved

To cancel and it costs half a year of premiums, how can this be right ?

sounds very dodgy.

paul_c123

In your story, when was the insurance bought?

LightFlare

markbenson116 said:

Beam from the AA quoted my wife for car insurance, price was great,

They then emailed to say the price is 145 pounds extra as I was on the policy and had a claim previously

My wife asked for me to be removed and the price did not change at all because they told her

The quote was based on myself being on the policy, she asked to cancel they said there are 3 fees involved

To cancel and it costs half a year of premiums, how can this be right ?

sounds very dodgy.

so at renewal did you inform them that you had a claim or was this something they found out by themselves (which is how i read it)

yes - very dodgy indeed. Lucky they didnt cancel the policy if thats what happened

markbenson116

the insurance was agreed end of October then 2 days ago my wife had the email to say the price needs to be more due to my claim. 

GrumpyDil

But did they find out about the claim or did your wife tell them in advance and they mispriced the policy.

If they found out rather than you informing them you're lucky they haven't just cancelled the policy.

markbenson116

LightFlare said:

markbenson116 said:

Beam from the AA quoted my wife for car insurance, price was great,

They then emailed to say the price is 145 pounds extra as I was on the policy and had a claim previously

My wife asked for me to be removed and the price did not change at all because they told her

The quote was based on myself being on the policy, she asked to cancel they said there are 3 fees involved

To cancel and it costs half a year of premiums, how can this be right ?

sounds very dodgy.

so at renewal did you inform them that you had a claim or was this something they found out by themselves (which is how i read it)

yes - very dodgy indeed. Lucky they didnt cancel the policy if thats what happened

when it asked for any claims for my wife she has none, it asked any additional drivers so she added myself, but there was no option to include details of my minor claim. Good job people are around to boot lick corporations

MyRealNameToo

markbenson116 said:

LightFlare said:

markbenson116 said:

Beam from the AA quoted my wife for car insurance, price was great,

They then emailed to say the price is 145 pounds extra as I was on the policy and had a claim previously

My wife asked for me to be removed and the price did not change at all because they told her

The quote was based on myself being on the policy, she asked to cancel they said there are 3 fees involved

To cancel and it costs half a year of premiums, how can this be right ?

sounds very dodgy.

so at renewal did you inform them that you had a claim or was this something they found out by themselves (which is how i read it)

yes - very dodgy indeed. Lucky they didnt cancel the policy if thats what happened

when it asked for any claims for my wife she has none, it asked any additional drivers so she added myself, but there was no option to include details of my minor claim. Good job people are around to boot lick corporations

When you add a driver it does ask you about their claims history 

They could have gone the other route and cancel the policy as fraud, which under CIDRA technically means they could have kept all the premiums. More importantly she would have had to tell all future insurers for all classes of insurance that she's had a policy cancelled for fraud which would be vastly more damaging financially than losing half a years permiums. 

Barkin

markbenson116 said:

LightFlare said:

markbenson116 said:

Beam from the AA quoted my wife for car insurance, price was great,

They then emailed to say the price is 145 pounds extra as I was on the policy and had a claim previously

My wife asked for me to be removed and the price did not change at all because they told her

The quote was based on myself being on the policy, she asked to cancel they said there are 3 fees involved

To cancel and it costs half a year of premiums, how can this be right ?

sounds very dodgy.

so at renewal did you inform them that you had a claim or was this something they found out by themselves (which is how i read it)

yes - very dodgy indeed. Lucky they didnt cancel the policy if thats what happened

when it asked for any claims for my wife she has none, it asked any additional drivers so she added myself, but there was no option to include details of my minor claim. 

I always add my wife as an additional driver on my policy, and vice-versa.

In the many years that we've done this (which includes at least once, possibly more, with The AA) we've always without fail been asked for details of the additional driver - occupation, driving history, claim history, endorsements etc.

The chances of any potential insurer not wanting to know these things, and to not ask the questions, seems vanishingly small to me.

Aretnap

markbenson116 said:

LightFlare said:

markbenson116 said:

Beam from the AA quoted my wife for car insurance, price was great,

They then emailed to say the price is 145 pounds extra as I was on the policy and had a claim previously

My wife asked for me to be removed and the price did not change at all because they told her

The quote was based on myself being on the policy, she asked to cancel they said there are 3 fees involved

To cancel and it costs half a year of premiums, how can this be right ?

sounds very dodgy.

so at renewal did you inform them that you had a claim or was this something they found out by themselves (which is how i read it)

yes - very dodgy indeed. Lucky they didnt cancel the policy if thats what happened

when it asked for any claims for my wife she has none, it asked any additional drivers so she added myself, but there was no option to include details of my minor claim.

Which comparison site did you buy from? I'm fairly sure I've never seen one that doesn't include a question about an additional driver's accidents or claims, but I'm willing to be surprised.

(Beam apparently sell exclusively through comparison sites so I couldn't check on their website as it doesn't include a "give me a quote" option.)

Arunmor

markbenson116 said:

 Good job people are around to boot lick corporations

Oh dear. 

Pay the money and thank your lucky stars they haven't cancelled the policy.  If they did you would be in a whole heap of pain.