Insurance trying to charge me for cancelling? help pls

15 replies
Found 7th Dec 2007
Hi,

Just thought id get some advice.

I had car insurance with admiral that i paid up front and only recently cancelled as i sold my car.

I was aware there was a £40.00 cancellation fee so asked the advisor to check the pro rata amount so obviously i would only cancel if i did not get charged.

Got a letter saying i owe them £20.50 now just for cancelling less than a month early before it expired..

Bit of a rant but hey it's annoying

Any advice most grateful

Drew:santa:

16 Comments

well you might aswell of let it expire if they was gonna charge you

Original Poster

Yeah i know which is why i asked the advisor to find out the amount.. but instead it just got cancelled.

Getting charged for cancelling a policy that you already paid for just makes me a tiny bit peeved!

Must remain in festive mood

Banned

if you didnt cancel the policy dont pay it, phone them up and tell them you have not cancelled this policy

ye exactly, could you not then go into one and demand for it to be looked into, then after that claim back damages, and all the ill health its caused, and tell admiral they are the reason that your dog only has 3 legs lol

sassie

if you didnt cancel the policy dont pay it, phone them up and tell them … if you didnt cancel the policy dont pay it, phone them up and tell them you have not cancelled this policy

Not sure if legally you can insure summat that is not your's and someone else owns. Imagine if there were an accident, would/could/should the OP try to claim? Also, there would be in effect 2 policies on the car.....not a good idea
Not as bad as when i got insured online, and cos i answered an ambiguous question wrong, the policy was invalid and it cost me £30 to cancel :?

have you actually spoken to them? you know what computers are like for generating nonsense like this - ring them and ask - I reckon theyll knock it on the head
i would have thought that letting it run its course would have been better anyway - build up your ncd????

Banned

boydent999

Not sure if legally you can insure summat that is not your's and someone … Not sure if legally you can insure summat that is not your's and someone else owns. Imagine if there were an accident, would/could/should the OP try to claim? Also, there would be in effect 2 policies on the car.....not a good ideaNot as bad as when i got insured online, and cos i answered an ambiguous question wrong, the policy was invalid and it cost me £30 to cancel :?


never thought of that:oops:

another insurance company point - when i was involved in an accident in january one of the first things the assesor asked was - did it have non standard tinted windows on the front windows - apparantly as these are illegal and restrict yor vision the insurers are saying, and quite rightly, that impared vision caused by illegal tinted windows may have been a contributory factor to this accident - therefore youre not covered!!! same goes for those stupid exhausts - if theyre not declared the drivers insurance may not be valid! be careful!!

Original Poster

Thank you every 1 all very good advice. albeit the 3 legged dog one by rockatin..but made me chuckle.

I range them and they said thy will check the phone call which they obviously recorded to see what i said.

Think they doubt my integrity.

should of let it run..oh well live and learn.. they are getting back to me today so il let you know the outcome.

post ur bets now pls

another insurance company point - when i was involved in an accident in … another insurance company point - when i was involved in an accident in january one of the first things the assesor asked was - did it have non standard tinted windows on the front windows - apparantly as these are illegal and restrict yor vision the insurers are saying, and quite rightly, that impared vision caused by illegal tinted windows may have been a contributory factor to this accident - therefore youre not covered!!! same goes for those stupid exhausts - if theyre not declared the drivers insurance may not be valid! be careful!!



That's why, on the insurance form, you are asked to state whether or not the vehicle has been modified in any way.

Taking it off tangent, in ref to what Davek said, tell them, declare everything, cos if you don't has he says, they will wriggle out of it.
I loved it when i had parking sensors added, *surely* making me safer, but policy was increased by £100, till i said, don't be daft and they eventually agreed. Always best to let them say no at point of obtaining quotes than afterwards.....not always possible to do when quidcoing mind

cis_groupie

That's why, on the insurance form, you are asked to state whether or not … That's why, on the insurance form, you are asked to state whether or not the vehicle has been modified in any way.



having worked in the insurance industry for a good few years i'm well aware of what the forms say - i was just pointing out that insurers are not ignoring things that once may have done - its not them trying to wriggle out of anything - theyre sticking to the letter of the policy - which customers expect them to if it works on their favour - yet they expect the company to bend the rules when it works against them??

i just hope that loads of these retards whizzing around with those ridiculous exhausts on realise what theyre doing - the exhaust is there to increase performance - if they didnt have so much (:thumbsup: ) extra power from that can they wouldnt have lost control on the roundabout and wrote thier prized punto off :whistling:

Banned

boydent999

Not sure if legally you can insure summat that is not your's and someone … Not sure if legally you can insure summat that is not your's and someone else owns. Imagine if there were an accident, would/could/should the OP try to claim? Also, there would be in effect 2 policies on the car.....not a good ideaNot as bad as when i got insured online, and cos i answered an ambiguous question wrong, the policy was invalid and it cost me £30 to cancel :?




Why would the OP try to claim against an item that they no longer owned...duh

UltimoScorpion

Why would the OP try to claim against an item that they no longer … Why would the OP try to claim against an item that they no longer owned...duh

The same way they would be insured for summat they don't own, and therefore are committing fraud....duh
Conversely, if the new owner did not insure the vehicle, and an accident or offence were to occur, the OP could be claimed against
I really don't know why i try and offer sensible advice on here sometimes

boydent999

Not sure if legally you can insure summat that is not your's and someone … Not sure if legally you can insure summat that is not your's and someone else owns. Imagine if there were an accident, would/could/should the OP try to claim? Also, there would be in effect 2 policies on the car.....not a good ideaNot as bad as when i got insured online, and cos i answered an ambiguous question wrong, the policy was invalid and it cost me £30 to cancel :?



You can't - the moment the car is sold you are no longer the owner which means the insurance isn't valid, assuming when you signed up for the policy you said you were the car owner.

John

Original Poster

Whoa that slipped off on a slightly different direction. Admiral didnt ring back...suprised..not at all. next actions any1?
Post a comment
Avatar
@
    Text
    Top Discussions
    1. £300 for a XZ1 Compact Worth Keeping or return45
    2. Whatsup number, confused11
    3. Parkopedia, can the info be trusted11
    4. Looking to travel from belfast44

    See more discussions