Insurance Idiots!

[JDub]

I phoned Admiral yesterday after getting a quote on multi-car on my 1.1, and asked for them to change it to a VTS and gave them the registration number, they changed the registration number and re-quoted me which came out at £750 as opposed to the £600 I'd been quoted on my 1.1 which I thought was a bargain!!!

I then got the email follow up stating the following...

Car 1 Manufacturer: CITROEN
Model: SAXO EAST COAST
Registration: W733VMY
Type of Cover: Third Party Fire & Theft
No Claims bonus years: 1
Voluntary Excess: £.00
From: 26/10/2011 To: 26/10/2012

Insurance Premium: £750.33
Windscreen £9.95
Optional Extras Sub Total: £9.95
Total: £760.28


This is what my 1.1 was...
Car 1 Manufacturer: CITROEN
Model: SAXO EAST COAST
Registration: T599BRV
Type of Cover: Third Party Fire & Theft
No Claims bonus years: 1
Voluntary Excess: £.00
From: 26/10/2011 To: 26/10/2012

Insurance Premium: £663.76
Windscreen £9.95
Optional Extras Sub Total: £9.95
Total: £673.71


So basically they put that it was an east coast, what should I do?
Should I accept the quote and see what happens or what?

That would be a ridiculous price to pay for an 18 year old on a VTS haha.

[Stefan_Wood]

You told them the right details, so keep that quote lol.
If you get pulled just say i didnt know i told them it all right

[delux]

Just get that quote , there mistake

[Havark]

Admerial wasnt 1k extra for me to swap my VTR for a VTS! Your lucky! Take that quote asap!

[Havark]

or maybe its a east coast that has had a vts engin put in and nobody has told the insurance people!

[devilsadvocate]

Some people haven't got a clue.

If you don't tell them then two things could happen:

a) The police do a check (ANPR or manually) and they see that the model doesn't match
b) You have to claim and the insurance company refuse to pay out.

Somewhere in the terms and conditions it will say that you have to read all the paperwork and any mistake which you fail to tell them about is down to you, not them.

You've got to tell them otherwise you will get screwed later down the line, one way or another.

[rick_VTR]

clearly just drive with out insurance.

no insurance FTW.

[saxova]

I'd take the quote, and risk it.

ANPR's pick up if your vehicle isn't taxed/mot'ed/insured.. which your's is all of them.

It's not going to pop up saying you've got a different engine.

[Mochachino]

Some people haven't got a clue.

If you don't tell them then two things could happen:

a) The police do a check (ANPR or manually) and they see that the model doesn't match
b) You have to claim and the insurance company refuse to pay out.

Somewhere in the terms and conditions it will say that you have to read all the paperwork and any mistake which you fail to tell them about is down to you, not them.

You've got to tell them otherwise you will get screwed later down the line, one way or another.

APNR does not tell them what the car is insured as, how many miles you do a year, where you keep the car over night, if you have any children etc.

To find those details they have to phone the insurance database or the insurance provider themselfs.

They have clearly updated the premium manually rather than putting in the reg plate and searching the asigned car for it.

[JDub]

Think I'll probably just stick with my 1.1 then haha!

[devilsadvocate]

APNR does not tell them what the car is insured as, how many miles you do a year, where you keep the car over night, if you have any children etc.

To find those details they have to phone the insurance database or the insurance provider themselfs.

They have clearly updated the premium manually rather than putting in the reg plate and searching the asigned car for it.

That was a guess on my part, I have no idea what an ANPR is able to check for as I have never had to worry about it.

Either way, it's a stupid risk to take and will get found out eventually.

[Mochachino]

That was a guess on my part, I have no idea what an ANPR is able to check for as I have never had to worry about it.

Either way, it's a stupid risk to take and will get found out eventually.

It is handy having a traffic cop as a next door neighbour! lol

[GolfJay]

Tell you what, don't declare it, have an accident, watch your insurance company void your insurance and THEN watch you end up in court for driving without insurance.

[Proffitt]

You have to ring up and tell them that they are not your car details.

Otherwise, if you have an accident or someone goes into you...you're fucked.

[skyinsurance]

Should I accept the quote and see what happens or what?



It is down to you to make sure the car is insured correctly..

[GaryKiddd]

If you have an accident the insurance company won't want anything to do with you,

they will regard it as your mistake for not checking your e-mails