Admiral lnsurance, what a joke, please help (discrepancy)
Discussion
Are you being serious or am I having a woosh moment?carreauchompeur said:
True, at least they are being proactive rather than refusing a claim...
I've just noticed from my recent renewal that on the "drives other cars" section against my name it has "Owns another car" which is remarkably odd since I definitely just put "access to other cars" on the website and confirmed it on the phone. My conspiracy theory detector is twitching slightly, although I'm not convinced it would have a significant material impact on the price of fish.
You can tell insurers the same stuff every year, but they just seem to "tick the box" on a pre-printed list to get as close to what you say as their computer allows. Eg, I park in a Public Car Park; will my insurer acknowledge this? On the 'phone, yes; but on the policy they seem to alternate between "Parked on a Street" & "Parked on a Private Car Park".I've just noticed from my recent renewal that on the "drives other cars" section against my name it has "Owns another car" which is remarkably odd since I definitely just put "access to other cars" on the website and confirmed it on the phone. My conspiracy theory detector is twitching slightly, although I'm not convinced it would have a significant material impact on the price of fish.
Similarly, my bike is kept in a lock up a mile from my house; every year the renewal form says that it is in a garage within my postcode. Tt isn't; I tell them this every year.
Again, I get asked my "relationship" with the Other Driver on the policy: they have no category for ex-wife"...do she goes on the policy as my "friend". (She would deny that!)
king stupid can you get?
Fox- said:
mercfunder said:
How would that have told them it was your dad or granddad, blokes have kids at all ages.
How about because the DOB on the quote wouldnt match the DOB of the named driver on his policy?Admiral logic: the names are the same SO IT MUST BE HIM. HE LIED TO US ABOUT POINTS, charge him £330, it's up to the customer to dispute it.
carreauchompeur said:
Fair enough! I've got my mum on my policy. It feels rather like fronting, but there's always the possibility she might drive the car!
Its not fronting at all though, you're being totally truthful and upfront with the facts. Its only fronting when you lie about who is the main driver, totally different from adding other people who may well want to drive your car to the policy as additional drivers.DanielJames said:
Resolved!
My father has the same name as my grandfather, and my dad has a multicar quote with admiral, of which he has 3pts declared.
They thought my father was my grandfather, why did they not just look at the DOB? C*nts!
Happy now though, thanks for the input everyone.
So your Dad only got as far as getting a quote with admiral (something totally separate to your insurance?), and they used the details from that to cross reference your own policy? That is scary. I sometimes put all sorts of variations into online insurance quote things to see how they might affect the price. How do they know he didn't just put down that he had 3 points, just to see what the cost of his insurance might do if he won some points later on? How do they know that it was you that misinformed them and not the other person. The fact they got your dad and your grandad mixed up, just goes to show how ropey this is.My father has the same name as my grandfather, and my dad has a multicar quote with admiral, of which he has 3pts declared.
They thought my father was my grandfather, why did they not just look at the DOB? C*nts!
Happy now though, thanks for the input everyone.
I'm a little bit surprised that this isn't a breach of data protection somehow (although they probably try to cover it somewhere in the small print T&C).
jimmy156 said:
carreauchompeur said:
Yep, what I meant. Feels a bit wrong but actually is completely legit.
I've got both my parents on my policy and i don't even live with them 
I'm a proper boy scout about this sort of thing and it doesn't bother me in tbd slightest!
Toaster Pilot said:
It's very clear when getting an insurance quote that the information you give must be correct, so "putting all sorts of variables" is against the terms
I don't think that's really the point he was making. Inappropriate use of the data, not its veracity is the point. mjb1 said:
So your Dad only got as far as getting a quote with admiral (something totally separate to your insurance?), and they used the details from that to cross reference your own policy? That is scary. I sometimes put all sorts of variations into online insurance quote things to see how they might affect the price. How do they know he didn't just put down that he had 3 points, just to see what the cost of his insurance might do if he won some points later on? How do they know that it was you that misinformed them and not the other person. The fact they got your dad and your grandad mixed up, just goes to show how ropey this is.
I'm a little bit surprised that this isn't a breach of data protection somehow (although they probably try to cover it somewhere in the small print T&C).
My dad has a multicar policy with them. They must have checked the database, saw my grandad and dad have the same names and just presumed they were the same person (despite difference DOB/occupancy/driving years etc)I'm a little bit surprised that this isn't a breach of data protection somehow (although they probably try to cover it somewhere in the small print T&C).
And under this presumption they were going to charge me £338, without first asking me if it was true, and it was up to me to pick up on the mistake/dispute it.
Me saying "my grandad doesnt have points" wasn't good enough. Luckily I noticed it was a CU80 which I recognised my dad having.
Oh well least it was resolved easily enough
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