Hi does anyone know anything about multicar policies?
My son asked me to join a multicar policy with him to make his car insurance cheaper as he is 25 + his insurance is usually about £1000/£1200 per year which he pays in monthly instalments.
My insurance is £230 per year full comp which I pay on a one off payment.
I said to my son Martin that I didn't really want to be bothered with all the hastle as I was happy with my insurance company deal + paying my years priemiums up front but I told him when my insurance was due for renewal which wasn't for another 6 months or so.
When my insurance was up for renewal my son Martin gave me a quote of £300 for to join him in the multicar policy with Admiral I said I'd rather stay with the AA + I certainly would not give them £300 when mine was only £230 Martin said he would pay the difference so I told the AA I was not renewing with them + gave Martin my £230 for my years premium + left him to pay his monthly insurance fees persuaded with Admiral.
About 2 months later someone wrote my sons car off they admitted full liability so my son no longer had a car to insure he picked up a cheap runabout the next week to get to + from work when he phoned up Admiral to insure the car they said they wanted £1200 upfront payment Martin said he couldn't afford £1200 all at once that was why he has always paid monthly instalments, they said they could only accept full payment so Martin said well I will have to insure else where.
a week later I got a letter from Admiral saying my car insurance was ending the next week!!!
so I wasn't happy as I didn't want to go with them in the first place + now having given Martin my years premium upfront I have been insured 2 months + now just been told it would be ending the next week,
so I phoned up the AA who I was with before + didn't want to leave + took out a years insurance with them + paid it upfront again, Martin did give me back the money I gave him for the years insurance for Admiral as I only had been insured about 2 months with them.
Then the problem arises Admiral kept sending letters for Martin to pay £1200 for a years insurance
when they are the ones that knew his car had been written off + when he got another one they said they would need the years insurance paid upfront + Martin said no he could not afford that + would have to insure elsewhere which he did + they cancelled my policy without even asking me anything.
Martin phoned Admiral up + said why are you sending me a bill for a years policy when I cancelled with you due to my car being written off + even when I got another car you said you would need the money upfront one off payment + I told you no can do.
After weeks of Admiral sending Martin letters requesting £1200 + trying to take it out his bank by direct debit but being unsuccessful as he never has that kind off money in his account,
They have now started sending letters to me in my name demanding £1200 + threatening me with balliffs.
I phoned them + said it was my son who took the policy out not me I never signed anything I am not paying £1200 when my insurance for the year is £230 + I gave that to Martin + they cancelled my insurance after just 2 months when Martins car got written off + they didn't consult me + why would Martin be responsible for a years insurance anyway as when his car got written off they stopped the insurance + didn't let him insure his new car with them unless he paid the whole years priemium upfront which he said no he could not do so he had to go else where so why should he have to pay a years premiums for no service + have to pay another company to insure him????
now I am getting letters from this company called C.A.R.S. who are debt collectors for Admiral + in my name when it was my sons policy I never signed anything with Admiral + I won't pay them a penny as I don't think Martin owes them anything the policy was cancelled when his car was written off + it was his policy not mine..........HELP PLEASE !!!!