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Hello fellow proletariat,


With my car insurance almost up for renewal (14th) i decided to use a comparison site and switch if i could find one cheaper which i did (substantially cheaper).


I called admiral today to let them know of my intention to switch providers, the lady on the other end offered to run a quote to see if she could get near the other providers price, i allowed her the curtsey of doing so as she was polite.


She asked me a bunch of usual question to run the quote, one being do you have any fixed penalties to which i answered "only the one you know about" she said "we aren't aware on any" i am sure i alerted (called) them to the fix penalty shortly after it occurred (01.02.2011) as i know my insurance would have been void if i hadn't done, but i have nothing in writing!


The upshot is they (Admiral) want around £350 for a premium that will expire in 11 days. The £350 is the difference in what I've paid since 01.02.2011 compared to what the premium would have been if they had been alerted to the penalty.


Now finally my question, where do i stand legally? Do you think they have standing? Your thoughts would be welcomed.



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What penalty ?


If you did not advise them, then they are entitled to backdate the relevant premium charges to the point where you should have advised them. If you don't pay them, they may not release your no claims discount proof, which may cause you difficulty if your new Insurers require this. If Admiral cancel your policy due to an issue of non disclosure, you will have to tell your new Insurers, who may refuse to Insure you. You may then end up having to find a massively expensive policy from brokers who specialise in arranging Insurance, where you have had Insurance cancelled in situations such as this.


Get Admiral to look into whether you did contact them. If you did not and you have no proof that you did, then pay this £350 and take your Insurance elsewhere. Ask Admiral to confirm in writing a breakdown of how the £350 was calculated. You are better admitting to a mistake if you have made one, rather than ending up with a cancellation for non disclosure on your record.

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