Insurance extra charge, standard practice’?
Discussion
Couple of months ago I paid c£2k for an insurance policy for my daughter, who’s recently passed her test, with a black box.
Daughter sometimes drives to visit boyfriend in a nearby village and occasionally stays overnight.
Insurance broker has now threatened to cancel the policy. Wife spoke to them today, and they relieved us of a £45 admin fee and an extra premium on top.
I can’t see anything in the policy, schedule or questions asked when taking the policy that states the car can’t be parked elsewhere overnight on occasions, when we queried it we were just told that no, it’s not on the policy but is ‘standard industry practice’
I feel a bit aggrieved that this charge can be arbitrarily levied. Should I just have a beer and, for the good of my stress levels let it go, or should I make a nuisance of myself?
What’s to stop them tomorrow that they don’t like where she parks at college and collect another ‘admin fee’’?
Daughter sometimes drives to visit boyfriend in a nearby village and occasionally stays overnight.
Insurance broker has now threatened to cancel the policy. Wife spoke to them today, and they relieved us of a £45 admin fee and an extra premium on top.
I can’t see anything in the policy, schedule or questions asked when taking the policy that states the car can’t be parked elsewhere overnight on occasions, when we queried it we were just told that no, it’s not on the policy but is ‘standard industry practice’
I feel a bit aggrieved that this charge can be arbitrarily levied. Should I just have a beer and, for the good of my stress levels let it go, or should I make a nuisance of myself?
What’s to stop them tomorrow that they don’t like where she parks at college and collect another ‘admin fee’’?
v9 said:
Couple of months ago I paid c£2k for an insurance policy for my daughter, who’s recently passed her test, with a black box.
Daughter sometimes drives to visit boyfriend in a nearby village and occasionally stays overnight.
Insurance broker has now threatened to cancel the policy. Wife spoke to them today, and they relieved us of a £45 admin fee and an extra premium on top.
I can’t see anything in the policy, schedule or questions asked when taking the policy that states the car can’t be parked elsewhere overnight on occasions, when we queried it we were just told that no, it’s not on the policy but is ‘standard industry practice’
I feel a bit aggrieved that this charge can be arbitrarily levied. Should I just have a beer and, for the good of my stress levels let it go, or should I make a nuisance of myself?
What’s to stop them tomorrow that they don’t like where she parks at college and collect another ‘admin fee’’?
Both I would say. Daughter sometimes drives to visit boyfriend in a nearby village and occasionally stays overnight.
Insurance broker has now threatened to cancel the policy. Wife spoke to them today, and they relieved us of a £45 admin fee and an extra premium on top.
I can’t see anything in the policy, schedule or questions asked when taking the policy that states the car can’t be parked elsewhere overnight on occasions, when we queried it we were just told that no, it’s not on the policy but is ‘standard industry practice’
I feel a bit aggrieved that this charge can be arbitrarily levied. Should I just have a beer and, for the good of my stress levels let it go, or should I make a nuisance of myself?
What’s to stop them tomorrow that they don’t like where she parks at college and collect another ‘admin fee’’?
Have a beer to destress a bit. But also If it isn’t in the terms at all make a pain of yourself.
A quick search online doesn't immediately show anything obvious about 'standard practice'.
Presumably nothing about 'car must be kept at home address overnight at all times'. What exactly were they not happy about; use at night, postcode where being parked at night, number of occasions implying boyfriend's is main address? etc etc..
Who's raised the issue initially, the broker or the ins company - presumably the latter, assuming they are the ones receiving the blackbox data.
Presumably nothing about 'car must be kept at home address overnight at all times'. What exactly were they not happy about; use at night, postcode where being parked at night, number of occasions implying boyfriend's is main address? etc etc..
Who's raised the issue initially, the broker or the ins company - presumably the latter, assuming they are the ones receiving the blackbox data.
v9 said:
flight147z said:
Typical issue with taking out a black box policy really. Better off paying for a normal policy
Nearly twice the price! Even £2k stings a bit when you’ve never paid more than about £400 for an insurance policy. ruhall said:
A quick search online doesn't immediately show anything obvious about 'standard practice'.
Presumably nothing about 'car must be kept at home address overnight at all times'. What exactly were they not happy about; use at night, postcode where being parked at night, number of occasions implying boyfriend's is main address? etc etc..
Who's raised the issue initially, the broker or the ins company - presumably the latter, assuming they are the ones receiving the blackbox data.
If I recall correctly the question was something like ‘where is the vehicle normally kept overnight’ which is on the road outside our home address. Presumably nothing about 'car must be kept at home address overnight at all times'. What exactly were they not happy about; use at night, postcode where being parked at night, number of occasions implying boyfriend's is main address? etc etc..
Who's raised the issue initially, the broker or the ins company - presumably the latter, assuming they are the ones receiving the blackbox data.
Don’t think the postcode is an issue, both quiet village locations, and theft on a £1k old Aygo isn’t a major contributor to the risk I’d imagine.
Not sure if the broker gets the data direct or the insurer does. They are a large well known broker, not a small backstreet operator.
Whenever I’ve done a policy I’ve said clearly that the main address is at XYZ but it is likely to be parked elsewhere on occasions. They have always said “that’s fine” and I’ve confirmed the call is being recorded.
Touch wood I’ve never had an issue when the kids had black boxes over this do I would deffo think about taking it further if it’s purely about it being parked elsewhere occasionally.
Touch wood I’ve never had an issue when the kids had black boxes over this do I would deffo think about taking it further if it’s purely about it being parked elsewhere occasionally.
v9 said:
when we queried it we were just told that no, it’s not on the policy but is ‘standard industry practice’
It's absolutely not standard industry practice. And even if it was, they've admitted, it's not in her contract. A contract is a legally binding agreement. One side cannot vary it unilaterally. I'd be asking further questions and escalating the matter.
Our daughter's black policy, a couple of years ago, had the right to alter the premium depending on a number of factors, one of those being where the car is parked and the times of day it was being driven. This may be the case with your policy, but I am sure it would be written down somewhere.
Bell, who she was with, never charged any extra, though.
Bell, who she was with, never charged any extra, though.
Road2Ruin said:
Our daughter's black policy, a couple of years ago, had the right to alter the premium depending on a number of factors, one of those being where the car is parked and the times of day it was being driven. This may be the case with your policy, but I am sure it would be written down somewhere.
Bell, who she was with, never charged any extra, though.
They've already confirmed it's not in the policy. Bell, who she was with, never charged any extra, though.
TwigtheWonderkid said:
Road2Ruin said:
Our daughter's black policy, a couple of years ago, had the right to alter the premium depending on a number of factors, one of those being where the car is parked and the times of day it was being driven. This may be the case with your policy, but I am sure it would be written down somewhere.
Bell, who she was with, never charged any extra, though.
They've already confirmed it's not in the policy. Bell, who she was with, never charged any extra, though.
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