My car insurance with Admiral was coming up for renewal. I actually renewed with Churchill.
I then started getting letters from Admiral claiming I was not insured, they had checked on MID? So they had automatically renewed my policy and were having trouble collecting the payment from my debit card, which fortunately had also expired. If they've automatically renewed my policy when I have not and have no intention of paying the renewal fee, this has got to be their commercial risk, they weren't doing this for my benefit!!
My belief was that I had paid for a 12-month contract with Admiral which was about to expire, I'd found a better deal and had no obligation to do anything or explain anything to Admiral. Also, I didn't particularly want to pay 8p/minute plus network extras to be held in a queue in order to tell Admiral they cost too much.
I ignored the continuous flow of letters and then today got another one an snapped!!
I phoned their call centre and payed 8p/minute plus network extras, waitied for the recorded message, got held in a queue and asked why they wanted £388.84 from me for an insurance policy I neither wanted or needed.
I was told unless I had told them within 21-days, my policy would automatically be renewed, that's what I had signed up for. So I said my commercial and legal contract, I paid for was for 12-months, I chose not to renew, so surely you can't keep trying to charge me. I've gone elswhere.
So he then said I needed to give him the new Insurers name and my policy number. I said no. He said they would charge me a cancellation fee unless I provided the information.
I gave them the company name, but then thought why am I giving them the policy number, in fact why am I giving them any information.
So we then got into a debate about why he needed this information. They needed to contact Churchill, but why? Churchill knew I was with Admiral and had contacted them so they could get the no-claims details!!!
So I refused to give him the policy number and said my contract had expired, all he was after was commercially sensitive information. And why at the start of the call did I owe them £388.84, then if I wouldn't give them my new insurance company and policy number I owed them a cancellation fee.
He then said there was no cancellation fee and just having the Insurers name was enough. They could contact them and give my registration number to get whatever information they needed.
I fully understand a car needs to be insured and unless I register it as off road, I should keep paying insurance. This is right and helps identify those who do not insure. But an insurance company managing these new legislations like this is underhand and outrageous.
Too make it worse I was on the phone for at least 20-minutes which cost me at least £1.60 plus network extra's.