ASDA car insurance

[robert_harper_2000]

Just been charged an admin fee of £30.45 to cover costs of extra paper work! lol. I was looking through your posts and this seems to be a cost they shouldn't be imposing?

I have the address of customer services, and would love to know if you have a template.

Any case I win ( including this ) I shall donate, Thanks

[dave]

What were the costs for - did you make a change to the policy?

[robert_harper_2000]

I had changed cars at one point but that's nothing to do with it. The cost was for cancelling the policy 'Admin' & extra 'paperwork'.

In previous posts you mentioned their are ways to fight this?

I actually cancelled the whole policy due to finding a policy over £300 cheaper!

[Loula]

Hi Robert!

As promised I have looked at the ASDA policy for you.

A. It is underwritten by Norwich Onion (no not a typo!).

B. The Cancellation clause on the ASDA website, which looks like a PDF of the policy booklet you received, says..

Alternatively, if you wish to do so and the insurance cover has already
commenced, you will be entitled to a refund of the premium paid, subject to a
deduction for the time for which you have been covered. This will be
calculated on a pro-rata basis for the period in which you received cover.

To exercise your right to cancel your policy, please contact the ASDA
Insurance Services Helpline on 0845 300 5771 or write to ASDA Insurance, PO Box 7483, Perth PH2 0YS.
You should also return your certificate of motor insurance immediately following
cancellation.

Please can you look at this link... http://www.asdafinance.com/files/carins.pdf

1. Does it look like the booklet you received with your certificate and policy schedule?
2. Did you return the certificate?
3. How did you know about the £30 admin fee?
4. Do you still have any correspondence from them about the fee?

Sorry for the questions.

I am trying to find the name of the person to whom the dubious responsibility of running the ADSA Car Insurance Scheme has fallen. Once I have their name we can send them a nice letter demanding they return the admin fee and say it is in breach of their own contract terms!!!!!!!!

Look forward to hearing from you soon

LOULA

[robert_harper_2000]

1. Does it look like the booklet you received with your certificate and policy schedule?
Don't remember

2. Did you return the certificate?
Yes

3. How did you know about the £30 admin fee?
Over the phone 'Admin fee'

4. Do you still have any correspondence from them about the fee?
no, nothing.

The only details over the cancellation fee is on the phone.

Appreciate your help on this

[Loula]

Thanks.

Leave it to me for about 24 hours, then I will have (hopefully) Head Honcho's Name and Address and a letter for you.

LOULA

[robert_harper_2000]

Your a star! Cheers really appreciate help with this.

Glad there is someone fighting for the little people lol

[Loula]

Robert,

Sorry, totally misread the policy booklet!

It does say about the cancellation charge, but I believe it to be a penalty as they have mid-term cancellation, claims occurrence, theft, age etc built into the pricing model.

A letter is being formulated as I type, I have the CEO's name too.

Be back as soon as I can with your letter should you wish to proceed.

LOULA

[robert_harper_2000]

I will 100% take this further! lol

Can't wait cheers

[Loula]

Hi Robert,

Sorry been up to my eyes.

Simon Machell, became CEO of Norwich Union on 3 April. Let's give him something to think about!

Here is a suggest wording for you...

S. Machell Esq.
The Chief Executive
Norwich Union Insurance
Surrey Street
Norwich
NR1 3NS


Dear Mr Machell,

Cancelled Policy Number; XYZ

I cancelled my Asda car insurance policy, underwritten by Norwich Union on Day Month Year and was charged £XYZ as an administration charge 'to cover extra paperwork'.

I believe this to be a penalty which in English (and Scottish) law for breach of contract is not legal if the penalty exceeds the actual cost of the breach. If you say that this is not then will you please demonstrate this by letting me have a full breakdown of the costs as a result of my breach in order to reassure me that your penalty really does reflect your costs?

I am frankly shocked that you have operated in this way, concealment of the true nature of your cancellation charge in the policy booklet, leads me to believe this is unlawful.

Please therefore reimburse the sum of £xyz by return of post.

Yours faithfully

You could also email if you wish or keep this address for chasing…
Email to: nuceo@norwich-union.co.uk


Let me know what you think

LOULA

[robert_harper_2000]

Very professional. Simple straight forward, I'll seal sign & Send today

Keep you posted.

Thanks

[robert_harper_2000]

Sadly.... the answer was no.


My brother threw away the letter before I could copy it up here for you but he said they bascially said no.

Any ideas or do you think case closed?

[Loula]

Shame your brother intervened!

As you do not have the letter anymore and cannot therefore state exactly what they said, I would have to agree that this is now a lost cause.

Sorry.

LOULA

[robert_harper_2000]

I'm just as annoyed, I'm sorry to have bothered you! I said I was annoyed as we both went to effort to help him!

Argh some people....

Thanks for your help though

[Loula]

No stress!

Always happy to help.

LOULA