Admiral refund?

[MarkMas]

The good part is the new rule that when they tell you your renewal number, they MUST tell you last year's number as well. Previously they would have just written and said "Great news! You can renew for only £937!" and you might have fallen for it.

So it seems that Admiral have come up with a new rip-off scheme.

My insurance auto-renewed in July - They sent me a quote that looked fairly reasonable:
Your Renewal Offer £754.63
Last Year’s Premium £683.33
So I took the 'do nothing' option, and it renewed.

Now they have emailed me and said, "Ah-ha!! We see from our DVLA checks that you did not declare your SP30 speeding conviction from last September, so we are going to charge you an extra £233.85."

So when they issued the renewal quote they had the ability to load the premium with whatever they wanted based on this information, but they chose not to do so at renewal, and waited a month to hit me with the extra.

I shall speak to them today and see what happens....

 

[philw696]

Wow that's Devious of them

 

[Devonboy]

So it seems that Admiral have come up with a new rip-off scheme.

My insurance auto-renewed in July - They sent me a quote that looked fairly reasonable:
Your Renewal Offer £754.63
Last Year’s Premium £683.33
So I took the 'do nothing' option, and it renewed.

Now they have emailed me and said, "Ah-ha!! We see from our DVLA checks that you did not declare your SP30 speeding conviction from last September, so we are going to charge you an extra £233.85."

So when they issued the renewal quote they had the ability to load the premium with whatever they wanted based on this information, but they chose not to do so at renewal, and waited a month to hit me with the extra.

I shall speak to them today and see what happens....

Better they do that, than leave you uninsured- not declaring a speeding fine at any time - even during your policy year- often invalidates your cover….

 

[MarkMas]

Better they do that, than leave you uninsured- not declaring a speeding fine at any time - even during your policy year- often invalidates your cover….

I have asked them about 'during the year' before and they have said 'just tell us at renewal'.

I think UK insurance policy nowadays is not to invalidate the insurance (as this puts third-parties at risk) but to reduce comprehensive payouts and retrospectively load premiums, if risk elements are undeclared.

If they had asked me to actively renew, and asked if anything had changed, I would (probably) have remembered the SP30. But auto-renewals is basically a 'don't think about it, don't do anything' proposition. So although I am still responsible (I suppose) for declaring any changes, I feel that Admiral should take some responsibility for undermining their own process in order to get more renewals.

Anyway, the whole point of my story is that they already knew (or at least had the ability to know) this information, and were almost certainly deliberately not taking it into account in order to secure the lower-priced renewal before subsequently hiking the premium.

 

[lifes2short]

fecking hate "auto renews" and always make a point of telling insurance companies not to include it on any policies for obvious reasons as its just a way on companies taking advantage, you cant mess around with not disclosing important facts, rather like the fella few years ago that didn't disclose the correct number of bedrooms on his house and then insurance wouldn't pay out when it burnt down.

 

[gb-gta]

Remember when having 1 SP30 made no difference to your premium? It wasn’t that long ago.
Now, it’s an excuse for a huge premium rise. I do the insurance for my dads jazz, he had an sp30 in July 2018, insurance was due 2 weeks before it was 5 years ago, hence not having to declare it. Has been paying 350ish for years, this year was going to be near £700! Quoted 2 weeks ahead, without the sp30 as then over 5 years, and it was circa £400…..
Just put his car in garage for 2 weeks. Ridiculous.

The £100 fine is irrelevant for the offence now, it’s the extra £1000-£1500 over 5 years in extra insurance (per car) that’s the problem.

 

[Devonboy]

I have asked them about 'during the year' before and they have said 'just tell us at renewal'.

I think UK insurance policy nowadays is not to invalidate the insurance (as this puts third-parties at risk) but to reduce comprehensive payouts and retrospectively load premiums, if risk elements are undeclared.

If they had asked me to actively renew, and asked if anything had changed, I would (probably) have remembered the SP30. But auto-renewals is basically a 'don't think about it, don't do anything' proposition. So although I am still responsible (I suppose) for declaring any changes, I feel that Admiral should take some responsibility for undermining their own process in order to get more renewals.

Anyway, the whole point of my story is that they already knew (or at least had the ability to know) this information, and were almost certainly deliberately not taking it into account in order to secure the lower-priced renewal before subsequently hiking the premium.

Did they put that in writing? I was watching Salvage Rebuilds, and a car was written off but NO payout as the Insurer discovered an SP30 they were not told about after renewal......Just saying...they will look for any reason not to pay out

 

[Ebenezer]

I have asked them about 'during the year' before and they have said 'just tell us at renewal'.

I think UK insurance policy nowadays is not to invalidate the insurance (as this puts third-parties at risk) but to reduce comprehensive payouts and retrospectively load premiums, if risk elements are undeclared.

If they had asked me to actively renew, and asked if anything had changed, I would (probably) have remembered the SP30. But auto-renewals is basically a 'don't think about it, don't do anything' proposition. So although I am still responsible (I suppose) for declaring any changes, I feel that Admiral should take some responsibility for undermining their own process in order to get more renewals.

Anyway, the whole point of my story is that they already knew (or at least had the ability to know) this information, and were almost certainly deliberately not taking it into account in order to secure the lower-priced renewal before subsequently hiking the premium.

Don't you have 14 days to cool off and look for insurance elsewhere?
Eb

 

[MarkMas]

Don't you have 14 days to cool off and look for insurance elsewhere?
Eb

Yeah. The renewal was on 24 July. They have invited me to cancel for a fee of £60.

 

[MarkMas]

So Admiral say that:
(a) they don't ask the DVLA anything until the renewal goes through, so they don't know there might be an issue until after the quote has been issued and (passively) accepted.
(b) for 'data protection' reasons, they can then only ask the DVLA, "Is what we know about this driver and car true?" and the DVLA says 'no' (or 'yes'); then they ask me to provide my DVLA details, and discover what the discrepancy is.

After some browbeating on the phone, they magically reduced the increase by £85.26, and waived their £30 admin fee.

 

[Phil H]

I got fed up with the antics of the usual insurance companies and transferred the cars to NFU who are great on customer service etc, though not the cheapest. However, they whacked on a double digit increase last year so when I received a 'customer satisfaction survey' I said I would no longer use them; low and behold, this year there is a negligible increase.

 

[gb-gta]

Did they put that in writing? I was watching Salvage Rebuilds, and a car was written off but NO payout as the Insurer discovered an SP30 they were not told about after renewal......Just saying...they will look for any reason not to pay out

Are we saying that now, for example, you insure your car with a clean licence in January, get caught speeding in march, you have to tell them immediately, not just at the renewal next January?

I don’t know anyone who does that, you just think next years premium may go up.

 

[Grantoonriusmo]

Are we saying that now, for example, you insure your car with a clean licence in January, get caught speeding in march, you have to tell them immediately, not just at the renewal next January?

I don’t know anyone who does that, you just think next years premium may go up.

The last time I got a speeding ticket was 23yrs ago. When I called the insurance company midway through the policy to notify them that I have an SP50. They said the premium I paid was based on the information and conditions at that time of the quotation. Therefore, there was no need to notify them until it came to renewal.

 

[Grantoonriusmo]

So it seems that Admiral have come up with a new rip-off scheme.

My insurance auto-renewed in July - They sent me a quote that looked fairly reasonable:
Your Renewal Offer £754.63
Last Year’s Premium £683.33
So I took the 'do nothing' option, and it renewed.

Now they have emailed me and said, "Ah-ha!! We see from our DVLA checks that you did not declare your SP30 speeding conviction from last September, so we are going to charge you an extra £233.85."

So when they issued the renewal quote they had the ability to load the premium with whatever they wanted based on this information, but they chose not to do so at renewal, and waited a month to hit me with the extra.

I shall speak to them today and see what happens....

That's really naughty of them if they already had that information at the time of renewal.

Admiral increased my premium by £300 at renewal this year. Told them to cancel my renewal, then magically they reduced back to what I paid last year, in fact it ended up £40 cheaper as well.

 

[j s pollo]

I got fed up with the antics of the usual insurance companies and transferred the cars to NFU who are great on customer service etc, though not the cheapest. However, they whacked on a double digit increase last year so when I received a 'customer satisfaction survey' I said I would no longer use them; low and behold, this year there is a negligible increase.

You think you were hard done by I got my renewal quote last week from the AA of £1.760 my last years premium with the AA fully comprehensive was only £250 I have dumped the AA and got a more realistic price from another insurance company.

 

[CatmanV2]

That's really naughty of them if they already had that information at the time of renewal.

I'm pretty sure they're saying they *didn't* have the information when they made the original quote.

(not at all sure I agree with them, mind)

C

 

[Scaf]

Yeah. The renewal was on 24 July. They have invited me to cancel for a fee of £60.

The £60 will be for the cover you have enjoyed for the past 14days, they can’t charge you to cancel for remote purchase within the 14days (well that would be my understanding of the rules ).

 

[MarkMas]

The £60 will be for the cover you have enjoyed for the past 14days, they can’t charge you to cancel for remote purchase within the 14days (well that would be my understanding of the rules ).

Yes, that makes some sense. But it is past 14 days. They say it is an admin fee.
£60 for 14 days cover is enjoyment at a rate of £1,500 a year.

 

[Scaf]

Yes, that makes some sense. But it is past 14 days. They say it is an admin fee.
£60 for 14 days cover is enjoyment at a rate of £1,500 a year.

Ah yes, if it’s past 14days then they have you by the b……….

 

[P R]

Admiral car insurance loses thousands of customers

The car insurer has lost many customers on the back of steep price rises and a jump in vehicle repair costs.

www.bbc.co.uk

Not doing well customer wise..