GolfGTIforum.co.uk
General => Insurance => Topic started by: Bellend on 06 October 2011, 18:07
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There's a reason this company is cheap, it's SHOCKING.
Putting my premium up when they like as I pay monthly, which I pay 800 pounds a year EXTRA for. :rolleyes:
Went to cancel, they sneakilly tried adding a days insurance at £20! and said that to cancel it's gonna be round £100 charges. :rolleyes: £30 Admin fee, £5 Admin fee and a huge admin fee for all the months I won't be insuring it for?
So hang on, I'm now paying the admin fee I pay each month for months I'm not insured for.
Got angry, she said absolutely nothing can be done, asked for a manager "no point won't change anything", DEMANDED that I recieve a phone call back from him asked and demanded about ten times, started saying I want her name and I'm writing letters and also cancelling direct debits until this gets resolved and all of a sudden "oh hang on, let me just have a word with the manager" "but you said he's not in" "oh he's just come in" "bollocks" "well he has".
Anyway, still paying £50 which I am furious about and all they ever say is "other companies charge for paying monthly" and "all companies charge the admin fee" well screw you, Direct Line charged £17 for cancelling 6 months in and monthly was 5% on top.
Absolute crap and unless you REALLY cannot get anyone else (remember some companies aren't on the price comparison sites that this company thrive on and will match the quotes anyway, such as Quinn) then PAY IT ALL OFF.
DO NOT pay monthly, they reckon they reserve the right to put it up as they want if it's done monthly.
TERRIBLE customer services and will be threatening trading standards and trying to get me £50 back.
WILL NOT be going back again and will be paying slightly extra for Direct line insurance.
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I will always pay my insurance in full they add a silly amount on. I have never once paid an administration fee from Admiral, I always use my irish charm to get it waved :wink:
Am I the only one who's insurance has gone down :undecided:
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I'm with Admiral and pay monthly and everything has been cool. Even managed to haggle a lower price and an extra 2 years no claims from them over the phone. However most insurance compaines don't care about their current customers and are only really interested in recruiting newbies.
Did they just put up your premium in the middle of they year or was it a renewal quote? Surely they can't just hike it up when the feel like it!!
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I have always found Admiral to be most helpful. Never had a charge from them when others charge for the same services. As for raising the price for a Monthly payment that is rubbish. When you take out your premium and Credit Agreement you sign for a fixed 12 month price plan and the payments are explained prior to signing. This cannot then be altered unless the cover changes (i.e vehicle change etc). The cancellation charges are at the discretion of the company and will again be explained in the small print of the original Credit Agreement and are usually explained on the phone as well.
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Nothing like I've had, never been called back when I said I would. :rolleyes:
Would NEVER waive any charges and never haggle at all.
So frustrating.
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I'm with them and tbh they have been pretty good. I've been paying monthly to and its bad how much money im giving away. This year i'm gonna get a 15 month 0% interest free credit card and pay it on that. Then don't pay any extra change just pay off the card over a year and your all good! :smiley:
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I'm with Bell and have dealt with customer services numerous times to declare mods & make changes to my policy. Almost always had my admin fee wavered after a little sweet talking, always found the staff to be helpful and reliable.
Guess you caught someone on a bad day as I've never had any issues with them....I do pay my premium in full though so haven't had to deal with any direct debit issues.
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I never pay insurance in full, way too much money to find in one lump.
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All insurance companies charge unreasonable admin and cancellation charges.
I've not found one that will waver the charges.
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I find paying upfront works out cheaper than the monthly installments especially living in London, we get hit with a premium just for living here!!!!!!
Pay upfront and save in the long run people.
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Just a thought - read the small print on the quote before singing up? :rolleyes:
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All insurance companies charge unreasonable admin and cancellation charges.
I've not found one that will waver the charges.
I got caught out with the laws on the insurance automatically renewing changing. With Admiral BTW. Had been living away ( and didn't change my address where they send the new years renewal quote) and so didn't get the letter telling me that my insurance had gone up by £8, I asked why and she said I was lucky to have it only raised by that amount, the cheek! :shocked: So it auto renewed and I got a phone call confirming this. In the mean time I did some searched and could of gotten insured for £200 less, so I tried to cancel. Similar story to OP they wanted nearly £250 for cancelling my policy a week after it started for a £800 policy! Had to stick with them in the end as I would of lost too much. Will be moving next year for sure even if it costs more!
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All insurance companies charge unreasonable admin and cancellation charges.
I've not found one that will waver the charges.
I got caught out with the laws on the insurance automatically renewing changing. With Admiral BTW. Had been living away ( and didn't change my address where they send the new years renewal quote) and so didn't get the letter telling me that my insurance had gone up by £8, I asked why and she said I was lucky to have it only raised by that amount, the cheek! :shocked: So it auto renewed and I got a phone call confirming this. In the mean time I did some searched and could of gotten insured for £200 less, so I tried to cancel. Similar story to OP they wanted nearly £250 for cancelling my policy a week after it started for a £800 policy! Had to stick with them in the end as I would of lost too much. Will be moving next year for sure even if it costs more!
I would have thought you would be lucky to get away with living at a different address to the one on your policy. In fairness to Admiral they give you a couple of weeks notice for any renewal and you can cancel anytime within these weeks for free. I am with Admiral and find them very helpful. Whenever I have rung them they have been polite and helpful and done everything I have asked with no bother.
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im with admiral.
the first month of my insurance was an absolute mare. i did a quote with alloys and window tints on the car just to see how much it was (car was still standard) got a letter in the post saying i owe them 400 quid in outstanding charges, rang up and it was for admin fees and for the alloys and window tints, i explained i haddent modded the car and they asked for pics so i sent them some. a few weeks later i got another letter saying my policie is being canceld and i will not receive any of the 1500 i paid for the policy back. rang up they said that they haddent got the pictures and asked for me to send them off again, i emailed them again, one week later another letter saying i have 2 days to pay the now 500 quid i owe from other admin fees and fines before my policy is canceld i ring up again and they say they havent received them and tell me to send them in the post, i do, again they send another letter out saying i have 2 days to pay before my insurance is canceld, i ring up and explain and the lad on the end of the phone could tell i was sick of sending them over and over again so just said ok ill take them off your policy (shouldnt have been on my policy in the first place cause i didnt have those mods and thats the reason i didnt declare them, only did the quote to see how much theyd charge) and just said if i did have them done then i wouldnt be coverd, which is fare enough.
was a right pain in the arse, cost me alot too, think it was about £40 i spent ringing them :angry:
insurance is up for renewal this month so going to see who i can get it cheepest with, hopefully not them!
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TBH apart from where they hike the price for paying monthly ive had no problems, been with one of these companies for the last 3 years now.
Im insuring the mk3 with admiral on monthly with my NCB and Bell will be insuring my 200sx (mods declared) with no NCB on it for the same price per annum if i pay outright.
Always found customer services to be helpful when adding mods / changing cars etc etc.... Had a bit of bother getting them to insure the chip on the nissan but think ive got there now, still half the price of Sky & about a million pounds less than flux :)
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All these 'extra' admin and cancellation charges never existed not many years ago, its all about insurance companies extracting extra money for profit, simples.
And they all do it :rolleyes:
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All these 'extra' admin and cancellation charges never existed not many years ago, its all about insurance companies extracting extra money for profit, simples.
And they all do it :rolleyes:
Not necessarily true as I am with Admiral and have changed cars a few times this year and never been charged a penny for the privilage. Just rang them up and a very helpful person has done the change quickly and easily. Cancellation charges are standard and in the small print when you take the policy out.
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Althoug cheapest around.
they are the most useless, charged me twice then wouldnt admit it!
Got fined by the bank several time and had no money for 2 weeks. Had no sympathy.
If there cheapest again next year ill have to go with them, as much as i want an alternative.
Its all a con anyway, I pay an extra 800 onop of the price of a hard top car because they say an convertable is more likely to get stolen, But the cars only valued at £500. Also my excess is double the value of the car!
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All these 'extra' admin and cancellation charges never existed not many years ago, its all about insurance companies extracting extra money for profit, simples.
And they all do it :rolleyes:
Not necessarily true as I am with Admiral and have changed cars a few times this year and never been charged a penny for the privilage. Just rang them up and a very helpful person has done the change quickly and easily. Cancellation charges are standard and in the small print when you take the policy out.
Cancellation charges didn't exist probably 5 years ago, when i used to insure a second car i could cancel without charge.
Change of address, change of car, they all charge an admin fee, its in the small print.
Again these charges never used to exist.
Profiteering again.
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All these 'extra' admin and cancellation charges never existed not many years ago, its all about insurance companies extracting extra money for profit, simples.
And they all do it :rolleyes:
Not necessarily true as I am with Admiral and have changed cars a few times this year and never been charged a penny for the privilage. Just rang them up and a very helpful person has done the change quickly and easily. Cancellation charges are standard and in the small print when you take the policy out.
Cancellation charges didn't exist probably 5 years ago, when i used to insure a second car i could cancel without charge.
Change of address, change of car, they all charge an admin fee, its in the small print.
Again these charges never used to exist.
Profiteering again.
I beg to differ Mate.....I have changed my car 7 times within the last year and never been charged a penny for the privilage :smiley:
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All these 'extra' admin and cancellation charges never existed not many years ago, its all about insurance companies extracting extra money for profit, simples.
And they all do it :rolleyes:
Not necessarily true as I am with Admiral and have changed cars a few times this year and never been charged a penny for the privilage. Just rang them up and a very helpful person has done the change quickly and easily. Cancellation charges are standard and in the small print when you take the policy out.
Cancellation charges didn't exist probably 5 years ago, when i used to insure a second car i could cancel without charge.
Change of address, change of car, they all charge an admin fee, its in the small print.
Again these charges never used to exist.
Profiteering again.
I beg to differ Mate.....I have changed my car 7 times within the last year and never been charged a penny for the privilage :smiley:
You're very lucky then. Its in the small print of all the insurance policies i looked at this year.
Every company i looked at charged an admin fee for ANY change to the policy.
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OK, so I went back with Elephant for the sh!tera.
It was cheap and my whole "principles" went right out the window cause it saved me £1200. :laugh:
Anyway.
Declare your modifications people.
Mr Golf. £960. w/Exhaust: £997 + Exterior Decrative Changes: £1234 +Lowering: £1026.
:cool:
So not driving ATM, driving in my mates Cinquecento for the next couple weeks then I'm back in the Golf people!