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#Post#: 18188--------------------------------------------------
Re: Admiral - premium change (increase) after claim on policy
DIR By: mickR
Date: March 24, 2024, 10:20 am
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--- Quote from: Tikli Chestikov link ---
>
> Yeah so they quoted you for a year and within a few days you
changed the metrics on which they'd quoted you via an at fault
claim.
>
--- End Quote ---
and? irrelevant. they quote on your driving history and current
situation with you licence. they indemnify for the forthcoming
year at a cost based on that.
what happens after in inception is what you're insuring against.
#Post#: 18204--------------------------------------------------
Re: Admiral - premium change (increase) after claim on policy
DIR By: Rallyman72
Date: March 24, 2024, 2:33 pm
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Looking at the terms and conditions they state:
--- Quote ---
> Changes in circumstances
> You must tell us if any information on your Motor Proposal
Confirmation changes.
> If you make changes to your policy, you may have to pay an
additional premium. Changes to your policy will also incur
administration charges that are payable to EUI Limited for the
cost of arranging and handling your policy. Details of these
charges are available online and included in your
welcome/renewal documents.
--- End Quote ---
However they also state:
--- Quote ---
> Please tell us when you renew your insurance if:
> * any information shown on the Motor Proposal Confirmation is
incorrect
> * you or any driver on your policy have had any accidents,
incidents, thefts, losses or claims (regardless of blame)
--- End Quote ---
#Post#: 18209--------------------------------------------------
Re: Admiral - premium change (increase) after claim on policy
DIR By: tonys
Date: March 24, 2024, 3:29 pm
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I can't see how claim can be considered "making a change to your
policy".
#Post#: 18212--------------------------------------------------
Re: Admiral - premium change (increase) after claim on policy
DIR By: mickR
Date: March 24, 2024, 3:38 pm
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--- Quote from: Rallyman72 link ---
>
> [quote]Please tell us when you renew your insurance if:
> * any information shown on the Motor Proposal Confirmation is
incorrect
> * you or any driver on your policy have had any accidents,
incidents, thefts, losses or claims (regardless of blame)
--- End Quote ---
[/quote]
#Post#: 18213--------------------------------------------------
Re: Admiral - premium change (increase) after claim on policy
DIR By: mickR
Date: March 24, 2024, 3:38 pm
---------------------------------------------------------
--- Quote from: tonys link ---
>
> I can't see how claim can be considered "making a change to
your policy".
>
--- End Quote ---
me neither
#Post#: 18275--------------------------------------------------
Re: Admiral - premium change (increase) after claim on policy
DIR By: tonys
Date: March 25, 2024, 4:13 pm
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Next thing they'll be voiding the policy because when you took
it out you didn't declare that you were going to have an
accident.
#Post#: 18367--------------------------------------------------
Re: Admiral - premium change (increase) after claim on policy
DIR By: The Slithy Tove
Date: March 26, 2024, 10:47 am
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--- Quote from: Irksome link ---
>
> Took out a policy, a few days later I had a 'an at fault'
accident - that's it as far as I can see. Damage was to third
party, no damage to my vehicle,
>
--- End Quote ---
Have you actually called them and asked for an explanation yet?
They are probably better placed to provide the reason than any
of us here.
#Post#: 18507--------------------------------------------------
Re: Admiral - premium change (increase) after claim on policy
DIR By: Irksome
Date: March 28, 2024, 10:15 am
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I did get to the bottom of it ... it was a claim my wife had on
her policy in August '21, and because I had added her as a named
driver (given she's about to be my ex-wife this was silly) they
said I had to declare her claim (which I didn't know anything
about) ... anyway, end result was to remove her as a named
driver, and I ended up getting a smallish refund ;D
#Post#: 18508--------------------------------------------------
Re: Admiral - premium change (increase) after claim on policy
DIR By: sparx
Date: March 28, 2024, 12:22 pm
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Every single website I've been on to get insurance has asked the
question "Does this driver have any accidents or claims within
the past X years?"... which one didn't ask?!
#Post#: 18509--------------------------------------------------
Re: Admiral - premium change (increase) after claim on policy
DIR By: slapdash
Date: March 28, 2024, 12:31 pm
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I am sure they all ask. However that's not completely the point.
Given OP was unaware his belief of the accuracy of his answers
fulfilled the declaration he made.
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