Free Traffic Legal Advice
General discussion => The Flame Pit => Topic started by: Irksome on March 22, 2024, 04:40:52 pm
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I had a similar situation with home/buildings insurance about 20 years ago. I made a claim for a new garage door after a break-in. Subsequently, I changed insurers and the new insurer did not ask me if I had made any claims. A couple of years later had to make a claim with the new insurer for replacing a sewer pipe because of tree-root damage. I remember receiving a phone call one morning from the insurer telling me that I had failed to declare the claim from a couple of years earlier and that they could not settle the new claim until my premium was adjusted. If I recall correctly, the additional premium was about £30-40 so I just paid it.
Looking back, I am fairly certain that the insurer was on shaky ground. Why else would they offer simply to accept a payment that reflected the difference in historical premium? I could have argued it, but it wasn't worth the time and energy.
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I am sure they all ask. However that's not completely the point.
Given OP was unaware his belief of the accuracy of his answers fulfilled the declaration he made.
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Every single website I've been on to get insurance has asked the question "Does this driver have any accidents or claims within the past X years?"... which one didn't ask?!
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I did get to the bottom of it ... it was a claim my wife had on her policy in August '21, and because I had added her as a named driver (given she's about to be my ex-wife this was silly) they said I had to declare her claim (which I didn't know anything about) ... anyway, end result was to remove her as a named driver, and I ended up getting a smallish refund ;D
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Took out a policy, a few days later I had a 'an at fault' accident - that's it as far as I can see. Damage was to third party, no damage to my vehicle,
Have you actually called them and asked for an explanation yet? They are probably better placed to provide the reason than any of us here.
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Next thing they'll be voiding the policy because when you took it out you didn't declare that you were going to have an accident.
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I can't see how claim can be considered "making a change to your policy".
me neither
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Please tell us when you renew your insurance if:
* any information shown on the Motor Proposal Confirmation is incorrect
* you or any driver on your policy have had any accidents, incidents, thefts, losses or claims (regardless of blame)
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I can't see how claim can be considered "making a change to your policy".
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Looking at the terms and conditions they state:
Changes in circumstances
You must tell us if any information on your Motor Proposal Confirmation changes.
If you make changes to your policy, you may have to pay an additional premium. Changes to your policy will also incur administration charges that are payable to EUI Limited for the cost of arranging and handling your policy. Details of these charges are available online and included in your welcome/renewal documents.
However they also state:
Please tell us when you renew your insurance if:
* any information shown on the Motor Proposal Confirmation is incorrect
* you or any driver on your policy have had any accidents, incidents, thefts, losses or claims (regardless of blame)
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Yeah so they quoted you for a year and within a few days you changed the metrics on which they'd quoted you via an at fault claim.
and? irrelevant. they quote on your driving history and current situation with you licence. they indemnify for the forthcoming year at a cost based on that.
what happens after in inception is what you're insuring against.
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Looking on Admiral website one, but not the only, reason for a £26 admin fee is for applying additional information.
Perhaps there was some discrepancy on what was submitted at the time of claim and what was submitted at the time of policy.
Misrepresentation or change are the 2 reasons the policy allows premium change (and the 2 reasons for a £26 admin charge).
I assume the incident occured after the new policy was quoted and commenced.
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can't see it myself. you pay a premium for the year. the only time I've hear of anything like that is in the case of a total loss and argued end of indemnity.
for an at fault claim??
hmm is there anything in the policy T&Cs about claims within "×" days of start? I've seen that on health insurance policies.
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Well 360-ish days at the new risk level is always going to incur a charge? That's neither a surprise nor unfair.
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Yeah so they quoted you for a year and within a few days you changed the metrics on which they'd quoted you via an at fault claim.
All insurance companies will come after you for extra £s.
A bit different if you'd claimed after ten months, they'd probably have waited until renewal to sting you.
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Without the whole story, impossible to comment!
Took out a policy, a few days later I had a 'an at fault' accident - that's it as far as I can see. Damage was to third party, no damage to my vehicle,
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Kindly do the needful
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In isolation it doesn't seem reasonable. It's as good as saying the premium is only valid as long as there's no claim made in the future.
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That looks as though someone has made a change of some description or notified additional onformation.
It is possible additional information has come to light and they have revised premium (eg they have noticed something not declared that was previously.
If it's a telematics policy they may revise at various points.
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Without the whole story, impossible to comment!
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Dear All,
Does this sound right to you? I thought a premium was a premium and wouldn't change as a result of a claim until renewal?
The premium we charge each customer is calculated from a series of detailed statistical models derived from past claims history for similar customers.
As a result of this change there is an increase of £84.53. This includes an administration charge of £26.00.
This means a balance of £84.53 is due, which we will debit from the payment details we hold on file on, or shortly after, 30/03/2024. Please ensure funds are available.