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Car insurance problem, is this even legal?
falcon7121
Posts: 498 Forum Member
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I found a quote on Confused.com for a really good price so i took out the policy.
However a week later i got a letter through the post saying that "due to recent changes to my policy they require an additional £105", no explanation was given as to why and i haven`t made any changes..
I`m going to be ringing them later, but first i just wondered if it is legal for them to want more money from me after i`ve accepted the policy and what is the best thing for me to say when i call them.
Thank you in advance
However a week later i got a letter through the post saying that "due to recent changes to my policy they require an additional £105", no explanation was given as to why and i haven`t made any changes..
I`m going to be ringing them later, but first i just wondered if it is legal for them to want more money from me after i`ve accepted the policy and what is the best thing for me to say when i call them.
Thank you in advance
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Comments
if if you say you have 10 years no claims but you only have 5 then yeah they can ask for more money
thing is these comparison websites are rubbish, i done a search last year, put inallmy details and wanted a guaranteed hire car,legalprotection and no claims protection but the cheapest quote they brought up didnt have any of these extras and a massive excess so when i added everything back on and brought the excess down a bit the quote hiked right up
Fact is that an insurance company will have all the legal bases covered.
There'll be a clause in the small print somewhere which says that they're allowed to alter their prices under certain circumstances.
If you don't like it they'll just refund your premium (minus a healthy administration fee) and leave you to find insurance elsewhere.
I would have thought that the only way the premium could be subsequently raised would be if the insured had omitted a fact or got a fact wrong, like in the example given above, given the wrong number of years of NCD.
Well, I'm going to one of that bunch and say that a contract is a contract, and they can't just bump up the premium in the middle of the insured period because they feel like it (unless they want to fall foul of the Unfair Contract Terms regulations). No doubt the OP will update us once he's spoken to them, but I suspect it may be something like they haven't received confirmation of his no claims bonus.
I rang them earlier and i was told that it was an administration problem (their computer) and that they`re looking into the problem for me. They`re also going to reprocess my quote and whatever the new price is, thats what i have to pay and they`re going to ring me when they`ve done that.
When I got crashed into on the M1 by a Polish lorry driver and my car written off, lord knows how I would have coped with the claim. Not only did they do this easily and hassle free they also got me a personal injury payment and all my medical/therapy bills paid in full.
their **** up , their problem , can you imagine Comet ringing you up and asking for another £100 because they undercharged you fro a TV , no , i cant either , in fact i would be onto the insurance ombudsman now , telling them about the insurance companies unfair practice !!!!
edit -- did the letter come from a broker or the insurance company itself ?
You can't treat a car insurance company like buying a TV. Well you can try but if they withdraw their cover (which they're entitled to) then you end up driving illegally with no insurance and can not only lose your car but also face stiff fines, points on your license and may have difficulty getting insurance later on. (Leading to even more expensive cover).
OP, sort it with them and make sure you're covered at all times. Don't tell them to **** it, because it wil be YOU that ends up in the ****.
Yes the letter did come from the insurance company itself.
And got paid a referral fee of about £1,000 from the solicitor they passed your case on to deal with!
You need to talk to Consumer Direct (trading standards). If they quoted you a price and then issued a certificate they can't just change the price because of an "admin error". If you gave them the wrong facts that is different. But their mistake, their cost.