Admiral Backdating and applying charges to only sole Policy Holder - Help

[lovefroggy]

Need some advice on a policy with Admiral please.

 

Previously had a Multi Car Policy with each of us being a named driver on eachothers cars for about two years.

 

I renewed with Admiral but my boyfriend renewed elsewhere still being named drivers on eachothers cars.

 

It's transpired that there were points from 4 years ago on my boyfriends licence that he should have disclosed when we first took out the policy 2 years ago,

 

he genuinely forgot about them and thought they were older than they were.

 

We happened to have a sort out of some paperwork recently and after checking the paper licence

he realised that they were more recent than he thought and so we offered the information to Admiral as we didn't know if they should know about it for the renewal.

 

as you can imagine they have come back to say that they will now need to backdate for both his policy and my policy as he was a named driver

this at a cost of £460 for the 2 years,

 

I am still awaiting a breakdown of how it equates to each policy, there is nothing additonal for this renewal ironically.

 

What they have done though is added the entire £460 amount to my sole policy increasing it to nearly £1000,

 

I said to them that I had no issue with them adding the named driver total to my policy (my bf will pay the difference)

but I disagree that his policy difference should be added to mine just because we had the multi car option and just because I am still insured with them.

 

Before even provding me with a breakdown of the costs,

they have just sent an updated policy schedule with the revised premium

saying that my DD will now increase from next month!!!

 

Any thoughts on this, I think I'm hard pushed to argue the retrosepctive amount

but applying the whole thng to my policy just becuase I still happen to be insured with them seems wrong

and should be dealt with seperately. Any advice greatly appreciated.

[unclebulgaria67]

The offence details should be added to the relevant policy and the premium adjusted on each policy. They cannot just lump it onto your policy. Make a complaint to Admiral and they should sort this out.

[lovefroggy]

They were not particularly forthcoming and whilst on the phone trying to sort it out they just amended my policy there and then with the additional amount via email NO breakdown or written explanation. If I don't get any joy with them before my next payment is due in 3 weeks do you reckon that I run any risks cancelling my policy and moving elsewhere? I'm mindful that we were in the wrong in the firstplace so don't want to risk having my insurance cancelled. I'll agree to pay the difference on my policy outside of the arrangement.

[hboss]

Did you solve this problem? I am a similar situation to you at the moment.