Friday, 23 September 2022
  8 Replies
  574 Visits
I changed my car on Tuesday and rang my car insurance company (Admiral) the same day to update my existing policy to cover the new vehicle, and to temporarily add the old one back on until I sold it. The guy on the phone kept muttering about IT problems and the system being slow but eventually confirmed that it had all gone through.

Today, Friday, I sold the old car and went to update my policy again, but saw that the changes from Tuesday had not been processed meaning I was still only insured for the old vehicle and had been driving the new one with no insurance for a couple of days.

Legally of course it is my responsibility and I slipped up by not checking that the policy documents had come through within the first 24 hours.

I've initiated a complaint against Admiral and my call from Tuesday will have been recorded, so the evidence should be clear that I was led to believe the car was insured.

What I wanted to ask was whether I could have been picked up by a camera for having no insurance and if so how long would it be before I got a fine through the post, as this will obviously affect the timing and what I should accept from Admiral in compensation. I guess I should also require Admiral to provide a letter confirming their error.
1 week ago
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#316625
Admiral will have a standard process, and compensation amount . Threaten to go ombudsman as they get a fine for every complaint even if not upheld .

As for fine , due to them stating over the phone line you are insured legally adimiaral have to honour that so therefore you would have argument against the fine.
1 week ago
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#316626
Admiral will have a standard process, and compensation amount . Threaten to go ombudsman as they get a fine for every complaint even if not upheld .

As for fine , due to them stating over the phone line you are insured legally adimiaral have to honour that so therefore you would have argument against the fine.


Cheers Happy. I think if I was caught I would have to pay the fine as it's a black and white offence, you either have insurance or you don't and it's the driver's responsibility. However I would definitely be able to recover the fine from Admiral going by a couple of example cases I've seen on the Ombudsman's website.

Not having considered the matter before, I'm not sure whether you can get an automated fine from a camera for driving without insurance or whether you have to be pulled over to be caught.
1 week ago
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#316627
It's very frustrating when this sort of thing happens heilkmoon. You have done everything a normal person would do. It would strengthen your case if there was a charge made for the extra insurance risk of driving both cars for a short period. There is a fixed ANPR camera monitoring cars on the main road outside where I live. I have never heard of anyone being prosecuted as a result of driving past with no insurance, tax or MOT. I think to be prosecuted you need to be stopped by police who can ask you about your insurance position. I suspect the fixed ANPR cameras are used more to locate stolen cars or cars linked to known disqualified drivers. I think you should be alright. It's not about the fine though it is the six point penalty which stings.
1 week ago
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#316628
It's six points on your driving licence for having no insurance. Under the circumstances you've explained you have no worries whatsoever, Admiral are totally liable and would still be even if you'd had an accident.
1 week ago
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#316629
Thanks carwash and yoonited.

There was a charge for having the old car temporarily insured as well as an admin fee, so I should be getting those back at least hopefully. I've been working from home the last couple of days so have only made a few short trips locally in the new car, so fingers crossed there'll be no further repercussions.
1 week ago
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#316648
Admiral put me on a black monitor when I took out insurance with them-I had 9 points.6 months later, they asked for the box back as they said my driving was fine, other than I was using the car at the wrong time of the day.

Anyway, a year on and the insurance was due.Points now down to 6, no claims and they deemed me a good driver.Despite this, they loaded my premium by 20pc

I called them-said I was going elsewhere and they immediately gave me the ‘good news’ that they had found angles to reduce back to the previous year’s premium.

Point here is they have a cost of customer acquisition algorithm in their software and I reckon it’s £250.They don’t like churn.

Same for Sky-I called them and their immediate question was ‘how much can you afford?’
1 week ago
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#316651
I'm surprised people use Admiral. Hastings are very good and I've had cars insured with Esure for over a decade. The AA are another outfit where you get your annual fee reduced if you ring them and hum and haw about whether it's worth the cost.
1 week ago
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#316756


Same for Sky-I called them and their immediate question was ‘how much can you afford?’


Funny enough I phoned Sky up last week to see if I could get a deal because my contract was up,I told them straight that I was going unless they improved on what I was paying and straight away they dropped my bill by £10 a month and included Sky Cinema into the deal,I was surprised at how quickly they sorted something out, definitely worth a try if your contracts up
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