Admiral making policy changes.
Discussion
To give some background, I'm a triplet living at home (the same address as my brother), who has had 2 claims.
I recently took out two seperate policies on two cars, one with Admiral and one with Elephant. When I took these policies out the person at the other end said that two claims had appeared and were they mine. I told them they weren't and they were my brother's who has a policy with Bell. Today I recieved an email from Admiral (2 weeks after renewal)saying they had made some changes and were changing an additional £850 which will be debited from my card tonight; considering the original premium was £720 this was quite a surprise.
I've logged into the site and looked at my "new" and "correct" certificate to find the two claims belonging to my brother are now under my name on the policy. He isn't even on the policy. So technically according to them, because this information is now incorrect, I'm uninsured until I ring them up which I'll be doing this evening.
My friend also recently had the same issue where he declared a remap on his car to see what extra it would add, a month later he get's a letter saying a change has been made and they will be debiting the aditional money.
My question is are they allowed to do this, and how can I stop this happening as surely it will come up each time they run cross checks?
I recently took out two seperate policies on two cars, one with Admiral and one with Elephant. When I took these policies out the person at the other end said that two claims had appeared and were they mine. I told them they weren't and they were my brother's who has a policy with Bell. Today I recieved an email from Admiral (2 weeks after renewal)saying they had made some changes and were changing an additional £850 which will be debited from my card tonight; considering the original premium was £720 this was quite a surprise.
I've logged into the site and looked at my "new" and "correct" certificate to find the two claims belonging to my brother are now under my name on the policy. He isn't even on the policy. So technically according to them, because this information is now incorrect, I'm uninsured until I ring them up which I'll be doing this evening.
My friend also recently had the same issue where he declared a remap on his car to see what extra it would add, a month later he get's a letter saying a change has been made and they will be debiting the aditional money.
My question is are they allowed to do this, and how can I stop this happening as surely it will come up each time they run cross checks?
No they will not be allowed to do this.
They are basically demonstrating an error (on their behalf) in progress.
It is for you to now show them that you are not your brother, by whatever proof they require.
Side note..
I find insurance companies more often are changing policy details without notice (you are lucky that you've been made aware of changes on your's), I've had it happen twice so far and know of it happening with a few colleagues. Putting my tin foil hat on I would hazard a guess that some do it so that if you had to make a claim that the policy would be different to your originally submitted details and they may have grounds to reject the claim. (Leaving it up to the claimant to have records to show otherwise). Or even that when errors need to be corrected they are on the starter blocks ready to throw in the £25 or so admin charges to have text changed on their computers.
For example, my car was suddenly changed from being manual gearbox to automatic, the following year it was also changed to being stored on a driveway as opposed to my locked garage.
One of my work colleagues had his policy's protected no claims removed and a colour change from silver to grey.
Some changes may seem minor or maybe even irrelevant, but they are relevant because that's the same excuse they give for drivers to make sure their policies are 100% correct in order insurance is valid in the first place.
They are basically demonstrating an error (on their behalf) in progress.
It is for you to now show them that you are not your brother, by whatever proof they require.
Side note..
I find insurance companies more often are changing policy details without notice (you are lucky that you've been made aware of changes on your's), I've had it happen twice so far and know of it happening with a few colleagues. Putting my tin foil hat on I would hazard a guess that some do it so that if you had to make a claim that the policy would be different to your originally submitted details and they may have grounds to reject the claim. (Leaving it up to the claimant to have records to show otherwise). Or even that when errors need to be corrected they are on the starter blocks ready to throw in the £25 or so admin charges to have text changed on their computers.
For example, my car was suddenly changed from being manual gearbox to automatic, the following year it was also changed to being stored on a driveway as opposed to my locked garage.
One of my work colleagues had his policy's protected no claims removed and a colour change from silver to grey.
Some changes may seem minor or maybe even irrelevant, but they are relevant because that's the same excuse they give for drivers to make sure their policies are 100% correct in order insurance is valid in the first place.
I suspect the issue is 3 people with the same address and DOB but different names could look like an attempt to get a better quote if certain data was left off, It may be worth contacting them again and sending them a scan of all 3 birth certificates as they may not believe, or their computer systems may flag triplets getting quotes as something dodgy given you share an address.
Engineer1 said:
I suspect the issue is 3 people with the same address and DOB but different names could look like an attempt to get a better quote if certain data was left off, It may be worth contacting them again and sending them a scan of all 3 birth certificates as they may not believe, or their computer systems may flag triplets getting quotes as something dodgy given you share an address.
Yup, very likely.How similar are the names involved?
Benjy911 said:
Well currently it is just me and my brother, as my sister hasn't passed her test.
Our names are Ben and Tom. What I find ridiculous is they looked up the other policy when I was on the phone and it was all correct. Both claims had also both been taken care of by Bell.
Just be glad your folks didn't like the idea of Tom, Dick and Harriet Our names are Ben and Tom. What I find ridiculous is they looked up the other policy when I was on the phone and it was all correct. Both claims had also both been taken care of by Bell.
Benjy911 said:
Well currently it is just me and my brother, as my sister hasn't passed her test.
Our names are Ben and Tom. What I find ridiculous is they looked up the other policy when I was on the phone and it was all correct. Both claims had also both been taken care of by Bell.
So effectively twins for the sake of this discussion - and that can't be that unusual.Our names are Ben and Tom. What I find ridiculous is they looked up the other policy when I was on the phone and it was all correct. Both claims had also both been taken care of by Bell.
This is a data protection breach by the insurer. They should treat the two of you completely separately.
I had similar. My wife was with admiral and had a none fault claim on her policy. Next year when I renewed my modified car insurance, after finally getting a good quote, ins co then rang to say I had not declared an accident and my policy would be void. After some discussion and checking Admiral had registered my Wifes accident against me?!
I know they are cheap but I would not touch them or the sister companies like bell. The policy they have to retrospectively charge customers for inaccurate material details is criminal IMO.
I know they are cheap but I would not touch them or the sister companies like bell. The policy they have to retrospectively charge customers for inaccurate material details is criminal IMO.
+1
The nautical one has form for doing whatever it chooses in an arbitrary manner. Shoot first and ask afterwards (if you're lucky). It is why I would never take out a policy with any of its group companies. Life is too short to get embroiled in lengthy phone calls/correspondence over issues like this. The cost in time and money more than outweighs any saving on premiums.
There is one thing that some people forget. Where the person who has had a claim on their own policy is also a named driver on someone else's that someone else's premium is going to be affected. It doesn't apply in the OP's case as his brother isn't a named driver
The nautical one has form for doing whatever it chooses in an arbitrary manner. Shoot first and ask afterwards (if you're lucky). It is why I would never take out a policy with any of its group companies. Life is too short to get embroiled in lengthy phone calls/correspondence over issues like this. The cost in time and money more than outweighs any saving on premiums.
There is one thing that some people forget. Where the person who has had a claim on their own policy is also a named driver on someone else's that someone else's premium is going to be affected. It doesn't apply in the OP's case as his brother isn't a named driver
Engineer1 said:
I suspect the issue is 3 people with the same address and DOB but different names could look like an attempt to get a better quote if certain data was left off, It may be worth contacting them again and sending them a scan of all 3 birth certificates as they may not believe, or their computer systems may flag triplets getting quotes as something dodgy given you share an address.
Is almost certainly what's happened as the C.U.E database searches on name, address and date of birth.If you've used the same computer and / or IP address for arranging the insurance this may also have made Admiral link you.
Same thing happened to my brother in law, he is Dave Junior, his dad is Dave Senior. Dave Senior had a claim, Dave Junior had insurance renewed then a letter advising it was being cancelled as he hadnt declared the claim, trouble was as they were both Dave Jones it was alot tougher to prove who was who, dragged on for a couple of weeks before it was fully resolved and still causes issues when he renews!
Moral of the story seems to be that we all make mistakes but that some companies appear prone to making more mistakes than others and, surprisingly enough, many of those mistakes seem to put them in a better position than they otherwise would be.
When you renew your insurance policies always make sure you go through the paperwork with a fine toothcomb. The number of errors that seem to crop up is stunning.
When you renew your insurance policies always make sure you go through the paperwork with a fine toothcomb. The number of errors that seem to crop up is stunning.
Rude-boy said:
Moral of the story seems to be that we all make mistakes but that some companies appear prone to making more mistakes than others and, surprisingly enough, many of those mistakes seem to put them in a better position than they otherwise would be.
When you renew your insurance policies always make sure you go through the paperwork with a fine toothcomb. The number of errors that seem to crop up is stunning.
too true, i sort out the insurance on the cars my wife and i drive, she'd been caught on camera a few years back and I said february 2003, it was in fact march 2003, instead of phoning and asking they tried to cancel the policy as we hadn't declared a speeding conviction.When you renew your insurance policies always make sure you go through the paperwork with a fine toothcomb. The number of errors that seem to crop up is stunning.
took a couple of weeks to sort out, worst bit was this was end of 2007 and they would be on their records for less than 4 months.
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