Car insurance company 'MyPolicy' are overcharging my daughter in admin fees.

[Fletcherhelen8]

Good morning,

 

My 18 yr old daughter took out a policy with 'MyPolicy' car insurance 8 months ago when she passed her test.

They seemed the best price at the time but have cost dearly over the 8months, mainly in charges for extra miles.

 

a few weeks ago she was involved in an accident which wasn't her fault,

the other driver admitted blame immediately.

The claim has been settled and they have sent the cheque.

 

Now, the problem is the charges they want to slap on her.

Her car was a write off so she is going to buy her brother's car.

They want to charge her £150 for a new black box and £100 to change the details on the policy to the new car.

This sounds totally unreasonable to me and is a loss on her part seeing as the accident wasn't her fault.

Baring in mind the black box only cost £50 to fit when she first took out the policy.

 

She's young and inexperienced and doesn't know what to say on the phone.

Last time I tried, they wouldn't speak to me,

but surely if she gives her permission that should be fine?

I need to fight her corner for her as I can be stronger on the phone.

 

I need some advice as this charging can't be right.

It's a total rip off to me.

 

 

Any advice would be greatly appreciated.

[unclebulgaria67]

They can speak to you, if she authorises it first.

 

If the policy terms allow these charges, then i expect they are difficult to argue against. They might fit a blackbox for £50 when the policy is started, as that is part of being a new customer. The Insurers have a deal with a company that does the installation. But as a deterent to avoid people changing cars during the mid term of policies, they add these higher charges. Of course it is not her fault, because a third party had caused an accident.

 

I think you should ask the question as to whether these charges can be claimed back from the at fault third parties insurers. They are a direct consequence of the accident. These are costs incurred to put your daughter back in the same position as she was prior to the accident.

[AndyOrch]

Thread moved to the appropriate forum.

 

Regards

 

Andy

 

Welcome to CAG Fletcherhelen8

[BazzaS]

Hang on, if the car has been written off, that usually brings the policy to an end. (So, would any new policy not attract the same "new policy" discount on the 'black box'?)

At least, that is the insurers' usual position when they point out that you contract for the year's insurance, and deduct the rest of the year's outstanding premium from the draft settlement figure when the car is written off .....

[unclebulgaria67]

Hang on, if the car has been written off, that usually brings the policy to an end. (So, would any new policy not attract the same "new policy" discount on the 'black box'?)

At least, that is the insurers' usual position when they point out that you contract for the year's insurance, and deduct the rest of the year's outstanding premium from the draft settlement figure when the car is written off .....

 

Not if the Insurers allow a change of car on the policy, which in this case it appears they do.

 

The Insurers might have reduced settlement by deducting remaining annual premium left to pay, but they also have choice of allowing policy to remain open for a change of vehicle, if this happens quite quickly.

 

You raise a point, as to whether the person in this case might be better off seeking a new policy. They would have to obtain details to see whether the sums add up.

[dacouc]

Hang on, if the car has been written off, that usually brings the policy to an end. (So, would any new policy not attract the same "new policy" discount on the 'black box'?)

At least, that is the insurers' usual position when they point out that you contract for the year's insurance, and deduct the rest of the year's outstanding premium from the draft settlement figure when the car is written off .....

 

That's not the case anymore, all insurers should allow a replacement vehicle to be covered on a policy to replace a written off vehicle providing a) It's a vehicle they would normally cover and b) the customer paying any normal difference in premium

 

OP You need to look at any terms and conditions and especially relating to fees and charges