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Adrian Flux - THIS CAN'T BE RIGHT


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Hi each & all

 

I have not posted for a while, so hopefully I can be informed whether I am right or Adrian Flux is right, I recently took out some Car insurance online via one of those compare websites

 

 

For a new car that I had to pick up ( 300 miles away ) all the details I gave them were correct and I got a very reasonable quote, I do two jobs and got a quote for both, as you do trying to find the cheapest Policy, I paid the insurance in full there and then via Credit Card and I got a policy number through my E-Mail ( NO DOCUMENTS THROUGH THE POST )

 

 

I picked the car up, drove it back the next day I get a call from them asking for me to ring them as they have a few queries, I rung them and found there question's to be just way to personal, I think the even wanted my DNA structure, I was not happy with this at all as I have never ever been asked such personal unrelated questions just to insure my car, I then get a letter stating that they won't insure me down to "Unacceptable Occupation"

 

 

I am a Plumber/Security Guard, and they canceled the policy on this basis

I telephoned them as they had not refunded my money and was informed a letter had gone out that I had to sign and return relating to the policy that never existed as it never got past there underwriters, then the cherry on the cake, they claim there is a set up/ cancellation fee of £30.00, now I don't get this, how can they charge me a set up fee when it never got past the underwriter, and a cancellation fee when they canceled the policy not me?

am I right or wrong here?

 

my Credit Card company claims they have looked in to it and there is a fee for cancellation's but surely this applies to if I cancel not them? am I right or wrong in thinking they are trying to have my pants down :/

Edited by citizenB
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I would have said that they are taking the mickey, although others will almost certainly be able to advise you on this.

 

I will flag for others to see.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I am Both a Security Guard & A Doorman, as well as a Plumber.......

My main concern is how they appear to think they are correct in charging me a £30.00

Setup/Cancellation fee when the Policy was not set up as the underwriters did not underwrite

Nor did I cancel the Policy, I know it is only £30.00 but the principal of these greedy fat cat b*****ds taking £30.00 for nothing really gets me angry.

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I'm guessing you put security guard down and they're cancelling due to the door man work.

 

Does their quote system ask your employers business eg nightclub or security company?

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I think they are going to say that you had the benefit of cover for at least 24 hours and that you were covered whilst you were driving the vehicle :(

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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They have the option for "Doorman" as a job title, they would typically expect you to enter "Nightclub" as the employers business, however if you had entered "Security company" a lot of companies would still refuse to quote as doormen are not popular with Insurers as I assume you knew before.

 

Was it the door work Adrian Flux refused the cover for?

 

Did they cancel the policy from a date after the policy started or did they void the policy from the start date?

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There letter states

 

"DECLARATION OF POLICY VOIDANCE

Motor Insurance Document No:- PMFET131628

Vehicle Registration No:- ********

Date Cover Ceased:- 06/02/2013 Unacceptable Occupation We regret to inform you that for the reason(s) stated above your insurance is being declared null and void from inception/renewal. In order for the Insurers to release a return of premium you must complete the following declaration. DECLARATION

Motor Insurance Document Number: PMFET131628

Vehicle Registration No: *******

I acknowledge that the above motor insurance document will cease to operate from 17:22 on the 06/02/2013. I acknowledge that it is an offence under the Road Traffic Act to keep, use or permit the use of my motor vehicle on a road or other public place unless alternative cover has been effected.

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It's not easy to read but it seems to say they have declared the policy null and void from inception.

 

This would normally mean you have to declare you've had a policy voided for ever more for all insurance including home insurance.

 

I would suggest you contact them explain it was an honest mistake and ask them if they note the voidance on the central databases (Some companies won't not it).

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There are two seperate issues here, the voiding of the policy and the "admin" fee.

 

Adrian Flux are a broker who specialise in non-mainstream risks and knowing the insurers that AF deal with I'm suprised that your occupation causes an issue. That said, the Insurer are within their rights to void the policy when thy know the full facts. I don't use or trust these comparison sites ( well, I use only as a guide ) for reasons like this. Forttuneately the vehicle registration would've been input on the MID immediately so no danger of you being pulled for no insurance.

 

They have declared the policy Null & Void from inception however should you have had an accident driving the vehicle back home and before you received thenotification then as RTA insurer, the insurer AF placed you with would be obliged to deal. Now the fact that they've stated the policy was voided as opposed to cancelled essentially means the policy wasn't in place so turning now to the admin fee, they should not be charging for something that's not been provided.

 

Your arguement with AF is that you provided your details in good faith and the "computer said yes" so you paid in good faith. The insurer found the occupation to be unacceptable but if that was the case, how did the aggregator site quote ? They cannot and should not be charging for this.

 

Give them this explaination & I'm sure you'll get your money back. If they still don't, I may have other ideas !

 

Out of curiosity, what questions were you asked ( obviously not the answer Lol ! ).

 

Let us know how you get on

 

Trojan

:p :p If my advice as been of help, please give me a quick click on the scales to your right ;) ;) :)
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