Being charged extra for an expired insurance policy.

[AndySpecD]

In renewing my current insurance policy it has come to light that the incorrect date of purchase for one of the cars (multi car policy) was on the policy last year. This is likely due to me switching cars and the date purchased wasn't changed from the previous car to the 'new' car.

Despite the policy having now expired, whilst there is no additional charge on this years premium (having corrected the date of purchase from 2011 to 2015) they are suggesting I owe them for the previous year (additional £60).

Whilst I won't question why there may be a difference to a premium based on how long you have owned a certain car for, I don't feel it can be right that they can charge the additional premium for a policy that has already expired.

Any views?

[KungFuPanda]

Personally, I'd tell them to issue Court proceedings against you for the sum. They won't.

[TwigtheWonderkid]

Whilst I don't understand why there would be an additional premium for this particular issue, the principle of charging you on an expired policy is sound.

Let's suppose at renewal you discovered they had you down at owning a Golf GTI, when in fact it was a Golf GTD. You'd be entitled to asked them for the overcharge back and they would refund you, having been made aware of the correct info.

[AndySpecD]

TwigtheWonderkid said:

Whilst I don't understand why there would be an additional premium for this particular issue, the principle of charging you on an expired policy is sound.

Let's suppose at renewal you discovered they had you down at owning a Golf GTI, when in fact it was a Golf GTD. You'd be entitled to asked them for the overcharge back and they would refund you, having been made aware of the correct info.

Surely that would come down to who made the mistake?

In this case, they did.

[TwigtheWonderkid]

AndySpecD said:

TwigtheWonderkid said:

Whilst I don't understand why there would be an additional premium for this particular issue, the principle of charging you on an expired policy is sound.

Let's suppose at renewal you discovered they had you down at owning a Golf GTI, when in fact it was a Golf GTD. You'd be entitled to asked them for the overcharge back and they would refund you, having been made aware of the correct info.

Surely that would come down to who made the mistake?

In this case, they did.

No. If you'd made the mistake, so long as you could show they'd been covering a lower grouped car than they thought they were, they'd almost certainly still give the refund.