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Hi all, I called my car insurance company to ask for a possible premium refund. The advisor asked the relation between myself and the additional out of curiosity this is my father and I mentioned t… Read More
unistudentparamedic Avatar
3m, 3w agoPosted 3 months, 3 weeks ago
Hi all,

I called my car insurance company to ask for a possible premium refund. The advisor asked the relation between myself and the additional out of curiosity this is my father and I mentioned this. However, my policy details that this is my partner. The advisor mentioned that this was a policy error and that the change would cost £180.00 and a letter would be sent within 14 days notifying that my policy would be cancelled if payment is not made. I have paid over £1,150 for my insurance and I feel as the additional charge is substantial compared to an error made. Has anyone else experienced this significant charge. What would you recommend?

Thanks
unistudentparamedic Avatar
3m, 3w agoPosted 3 months, 3 weeks ago
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#1
Its because your premium was cheaper if you put them as a partner, couple years ago all the young lads were putting their mums as partners.
#2
Idontliketospendmoney
Its because your premium was cheaper if you put them as a partner, couple years ago all the young lads were putting their mums as partners.


This was a genuine error with no intent for a cheaper policy with incorrect details supplied.
#3
I would say that you do *NOT* want them to cancel the insurance - that will screw you for getting insurance in future.

Pay up and move on. It was your responsibility to check the details when the paperwork was issued. The downside of having to say 'yes' when asked 'Have you ever had insurance cancelled or refused?' will be a much bigger hit.
#4
mas99
I would say that you do *NOT* want them to cancel the insurance - that will screw you for getting insurance in future.
Pay up and move on. It was your responsibility to check the details when the paperwork was issued. The downside of having to say 'yes' when asked 'Have you ever had insurance cancelled or refused?' will be a much bigger hit.

Agree suspect you were at it and you have been rumbled!
#5
Relationship of proposer to named driver is a typical question when obtaining an insurance quotation. Who stated / recorded the incorrect relationship? If it was your error: with respect and empathy, you misled the insurer. The price difference you mention is typically proprotionate to the circumstances. You could consider adding your true partner or random sympathic friend / relative to the policy as an additional driver and that may (or may not) lessen the impact depending on that additional driver's age & circumstances etc.
#6
I suspect the original quote was done using a price comparison site? These are notorious for passing incorrect details across to the actual insurers. Had something very similar happen to me, and it's only because I checked all the details within 14 days that they altered it free of charge.

Unfortunatly, the responsibility lies with you ensuring the insurers details are correct, and they are allowed to levy charges when you amend a policy.
Not much you can do I'm afraid. Insurance is a rip off, and it's very rare you will ever see value for money with them

(unless you tend to write cars off on a regular basis)

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