Decided not to renew my insurance with Admiral this year due to massive price-hike on renewal. Phone call as follows...
Admiral: "If you're cancelling, you'll need to return the certificate of insurance."
Me: "You mean the one you don't bother posting out anymore?"
Admiral: "Yes, that one. You can print it out from the website."
Me: "You charge £15 as an admin fee for paper copies of the document. If you make me print it out and post it back I'll charge you the same £15."
Admiral: "One moment..."
* Hold Musak *
Admiral (different voice): "You can download it from the website and then email it to us."
Me: "Am I right in thinking that my insurance certificate is visible on the screen in front of you?"
Admiral: "Yes."
Me: "And you want me to download an identical copy, and email that copy to you unaltered?"
Admiral: "Yes."
And they wonder why I left!
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Ask them for the recording (don't forget your call may be recorded)
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I was insured with Esure. Bought a new Jazz but to enable it to be registered in my name, needed insurance to tax it.
Phoned Esure.
Want to insure my new car.
ES: certainly . Is it registered in your name?
No
Sorry sir, won't insure you.
Me: But I need it so I can tax it and register it in my name.
ES: sorry no can do..
(sequence abbreviated as it was 9 years ago)
So stuff them, I changed insurer.Never been back.
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They're all at it.
A couple of years ago we had the same as FF with Saga and the admin girl we were dealing with took it upon herself to beat us at all costs over the issue with threats if we did not comply with her required procedure the non-renewed cancelled (by me) policy would be regarded as in force and we'd be charged for it.
In my situation they'd sent a renewal quote by email with a link to the policy certificates which needed me to sign in with a password to access. As I decided not to renew I never even clicked on the link.
She went as far as sending a paper form for a lost certificate for me to sign which I refused as it would have been a false statement.
In the end I had to beat their complaints department over the head with the Road Traffic Act which was amended in 2010 to account for electronic transmission of certificates.
It states...
...in accordance with the 1988 Road Traffic Act as amended by The Motor Vehicles (Electronic Communication of Certificates of Insurance) Order 2010...
...the policy to which it relates is cancelled by mutual consent or by virtue of any provision in the policy.
　(4D) The person must, within seven days from the taking effect of the cancellation,either transmit to the insurer, by means of an electronic communication to an electronic address specified by the insurer, a statement confirming that the policy to which the certificate relates has ceased to have effect, or deliver to the insurer a legible printed copy of the certificate endorsed with a statement made and signed by him to that effect.
　(4E) A person who transmits a statement or delivers a copy of a certificate as described in paragraph (a) or (b) of subsection (4D) above is to be treated as having surrendered the certificate in question.
So yes you do need to send them an email but you do not need to attach the certificate by means of a pdf etc.
Last edited by: Fenlander on Wed 26 Nov 14 at 14:03
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>> So yes you do need to send them an email but you do not need
>> to attach the certificate by means of a pdf etc.
Yes but none of that applies if you are not renewing, there is no policy in force to surrender if not renewed, it has expired.
You simply tell them "don't renew" And that is all you should have to tell them.
Last edited by: Zero on Wed 26 Nov 14 at 14:07
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Maybe but I had no issue with emailing to say I wasn't going to renew (common politeness & they needed to know as I was on auto renew DD payments)... but I damn well wasn't going to play games with the "never accessed" electronic certificate.
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>> Decided not to renew my insurance with Admiral this year due to massive price-hike on
>> renewal. Phone call as follows...
>>
>> Admiral: "If you're cancelling, you'll need to return the certificate of insurance."
I got into a right muddle with an insurance company one year, and it may well have been Admiral or Bell (an Admiral company) as the kids used them both, but I'm not 100% sure - anyway, they took "cancelling" literally, and cancelled the current policy before it expired!
Weird thing with Admiral/Bell - prices were pretty good for both daughters until they got to 25 when they shot up. Exact same thing happened with both of them. They offered a small "loyalty" discount but were still way out. I was glad to get away from them, though, they always felt dodgy.
Mind you, LV=, of all companies, set a new policy up my daughter using the previous year! So a letter arrived, but rather than containing her docs, it told her that her insurance had expired!
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You can't make it up... - RichardW
