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mattt7
Original Poster
67 posts
78 months
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Deva Link said: I think the fact that that happened could be useful for you as it was clear at the time of the accident that the policy was operating correctly. You could even try arguing that you thought it was a brand-new policy, although this tends to make it look more as if the earlier ommission was deliberate.
You keep talking about 'policies' as if all 3 were separate. They're not - you've had one policy and it's been renewed twice. I agree, the fact that i spent 30 minutes on the phone to them answering all of their questions honestly does tell me that. They do not ask a question such as "do you have any convictions that were not disclosed when you initially took out a policy with us and or on any other policy you've had with us", perhaps this is a question they should ask, as i've read many times now of people making mistakes. I'm not taking away from the fact that yes on the March 2010 initial policy it would have been helpful if my wife had disclosed this. Anyway. We only had a car on that initial March 10 policy for 4 months. We even remember writing to them to cancel it, but they wanted £200, so we thought for no claims discount we'd just let it run. How again i wish i'd just taken the rebate!!! And started a new policy when i got the RS6 in Dec 2010!!
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ZOLLAR
16,228 posts
42 months
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saaby93 said: ZOLLAR said: When they first came out some did, but it's generally accepted thoughout the mainstream now. Would Admiral treat 5 years 60 months from a conviction as 6 Admiral years Eh?.
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Red Devil
4,247 posts
77 months
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ZOLLAR said: saaby93 said: ZOLLAR said: When they first came out some did, but it's generally accepted thoughout the mainstream now. Would Admiral treat 5 years 60 months from a conviction as 6 Admiral years Eh?. I can see what he's on about. 5 x 12 = 60 6 x 10 = 60 Maths 101. 
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mattt7
Original Poster
67 posts
78 months
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Jasandjules said: The year previously, had you disclosed to them the DD as it was within the 5 years..?? When the policy was first taken out in march 2010 it unfortunately was not disclosed (i did not pick up on this error). That is why this has all come about. The 5 years was up in Dec 2010 for my DR10. The accident happened 3 weeks ago.
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mattt7
Original Poster
67 posts
78 months
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saaby93 said: ould Admiral treat 5 years 60 months from a conviction as 6 Admiral years Or are 5 Admiral years 50 months?? ;-).
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mr2aw11
699 posts
92 months
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I'm confused (albeit, easily done)...
If your renewal/new policy with the same insurer was outside the five year declaration period (just), then your previous policy (for the year before) would surely have been within the five years of your conviction - so did you declare it upon taking out that policy, and if so, surely the ins co. should be perfectly aware for your current one?
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mattt7
Original Poster
67 posts
78 months
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mr2aw11 said: I'm confused (albeit, easily done)...
If your renewal/new policy with the same insurer was outside the five year declaration period (just), then your previous policy (for the year before) would surely have been within the five years of your conviction - so did you declare it upon taking out that policy, and if so, surely the ins co. should be perfectly aware for your current one? the new policy that started 4 weeks ago is 6 years from the conviction as was my accident. The 5 year period was therefore up at Nov 2010. My wife took out a 10 month policy that started in March 2010, the conviction was mistakenly not declared on that. This was then renewed on Jan 3rd 2011 and again 4 weeks ago, both these renewals were over the 5 year period. However the insurance is still going after from when the policy was initially taken out in March 2010
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randlemarcus
8,725 posts
100 months
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mattt7 said: the new policy that started 4 weeks ago is 6 years from the conviction as was my accident. The 5 year period was therefore up at Nov 2010. My wife took out a 10 month policy that started in March 2010, the conviction was mistakenly not declared on that. This was then renewed on Jan 3rd 2011 and again 4 weeks ago, both these renewals were over the 5 year period. However the insurance is still going after from when the policy was initially taken out in March 2010 You've previously said that you went through every single detail during the call 10 days after renewal. Was that "every single detail" as for a new policy, or simply "has anything changed?". Might be an argument worth pursuing.
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mr2aw11
699 posts
92 months
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mattt7 said: the new policy that started 4 weeks ago is 6 years from the conviction as was my accident. The 5 year period was therefore up at Nov 2010. My wife took out a 10 month policy that started in March 2010, the conviction was mistakenly not declared on that. This was then renewed on Jan 3rd 2011 and again 4 weeks ago, both these renewals were over the 5 year period. However the insurance is still going after from when the policy was initially taken out in March 2010 Ah, apologies, read five rather than six yes...
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mattt7
Original Poster
67 posts
78 months
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randlemarcus said: You've previously said that you went through every single detail during the call 10 days after renewal. Was that "every single detail" as for a new policy, or simply "has anything changed?".
Might be an argument worth pursuing. 30 mins, every single detail, just as per a new policy. Which is something i have already mentioned to them
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