Ok, on their website it asks for your main occupation and secondary occupation, which I filled in as computer operator (8.5 ish years) and mature student (since sep 2008), this seemed right to me due to the length of time I have been doing both.

Now I get the documents through in the post and these are suddenly listed as full time and part time, which I didn't specify (no mention of full/part time on their website when getting the quote)... technically the wrong way around, as a university course counts as full time (though only 12 hours contact a week this semester) and I only work 12 hours.

Do I need to bother ringing them to put this right? Putting the occupations in on their website the other way around adds around £60.

As far as I can tell it's their fault for not being clearer on the website, plus the policy doesn't start until this Sunday/Monday at midnight, so I shouldn't have to pay any extra premium or admin charges, or I should be able to get a full refund and cancellation if any extra charges are excessive?

I wouldnt worry.the system isnt going to be geared to allow 2 full time occupations
so the second one would be classed as part time

Student isn't really an occupation and putting anything student on the proposal form will probably increase the premium. I would have only put my normal full time occupation.

BlueDan said:

Do I need to bother ringing them to put this right? Putting the occupations in on their website the other way around adds around £60.

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yes you do need to correct it. The mistake has saved you £60. It is your responsibility to check that the insurance details are correct and give you the cover you need. And, yes I know thats not fair.

If you leave it as it is, and anybody checks you could well find yourself without cover, your car seized, 6 points on your licence, a fine and increased insurance costs for the future.

Davren said:

Student isn't really an occupation and putting anything student on the proposal form will probably increase the premium. I would have only put my normal full time occupation.

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Tbh being a student is an occupation so does need to be mentioned, especially to cover commuting to and from place of study.

Like John has said, it needs to be corrected to protect yourself more than anything. Regarding cost if they ask for more advise them of what you done through their website and that you don't feel you should be charged more.

Yep good point John, I'll give them a bell tomorrow (like I said, it doesn't start until midnight Sunday/Monday).

Most Easterly Pandas said:

Like John has said, it needs to be corrected to protect yourself more than anything. Regarding cost if they ask for more advise them of what you done through their website and that you don't feel you should be charged more.

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I was going to mention that too. Screenshot of the website at the ready

I'm already £44 up from last year's renewal due to other people's fraud, etc (or so the insurance cos claim), I'll pay more if I have to but I don't want to tbh. If the website had made it clear the £60 less was due to this I would have entered it correctly in the first place.

Davren, it's a full time University degree course, I probably wouldn't have bothered putting it in if it was some one or two night a week thing at a local College. Shame it's only until May-ish, then I'll need to ring them after the exams, then again in September once I start a work placement, admin fees ahoy!

Just on the phone to an Indian chap over a crap VOIP line... £70 :bang:

Insisted that I shouldn't be paying any admin fee due to their website not being clear about this when I applied, and it's down to £53, so kinda a victory, but still way more than last year... meh.

Recorded the call to have to hand until the new docs turn up, just in case...

id ring again or put a complaint in.
is it within 2 weeks?
cancel it insist on paying nothing and switch to chris knott if you can.

you shouldnt have to pay id keep ringing to try to get a british call center. less scripted
had a choice between admiral with extra cover or chriss knott for the same price
went for chriss knot since its a smaller company

Now they've sent me a letter claiming I have mods (the car is standard). They assumed this based on another quote I had from them to see how much it would cost to insure as modified, and have said they are going to charge my debit card the extra.

They can ring to pester me about taking out courtesy car cover but can't check with people before taking money without permission (illegal?) which could cause some to default on direct debts/cheques/other.

Dickheads!

Now I have to waste my time and money calling them to sort this out :bang:

I'm always fearful of similar happening with doing different online quotes with and without mods. Hope you sort it. Might be worth asking for some sort of token gesture from them as an apology?

I emailed them shortly after posting, I'll see if they get back before noon on Monday.

This shouldn't happen, if they want to check up on stuff and make assumptions based on other data - fine, especially if some people hadn't realised they may be technically driving with no insurance - but check with the policy holder first instead of blindly making changes.

If I have to ring them I'll probably have to talk to someone reading from a script so I doubt I'll be able to get any kind of compensation. Makes me wonder if they would reimburse bank charges if I had gone overdrawn or didn't have enough money for direct debits (doubt it).

What a bunch of dickwads!

Insurance pisses me off something chronic. Hope it all sorts out for you.

They just rang me back - sorted out now.

If they had applied the changes and I had an accident would my insurance have been invalid, like if you insure a modified car as standard? Hrm.

BlueDan said:

Now I get the documents through in the post and these are suddenly listed as full time and part time, which I didn't specify (no mention of full/part time on their website when getting the quote)... technically the wrong way around, as a university course counts as full time (though only 12 hours contact a week this semester) and I only work 12 hours.

Do I need to bother ringing them to put this right? Putting the occupations in on their website the other way around adds around £60.

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Clerical errors and typos happen all the time. Buried away in the small print it will state somewhere that as part of the policy agreement you must check through the schedule yourself and contact them if there is any discrepency in the information they hold on you however slight.

Read the small print or the covering letter, it will be in there somewhere....As is so often the case you will find yourself on your own if you dont do or ignore what they say

Hmm, there has been an interesting development...

I got a letter this morning saying the modifications had been removed, and the charge will be refunded, even though they never took the money in the first place (there was never even a difference between my balance and available balance)... :chin:

BlueDan said:

Hmm, there has been an interesting development...

I got a letter this morning saying the modifications had been removed, and the charge will be refunded, even though they never took the money in the first place (there was never even a difference between my balance and available balance)... :chin:

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Here's to hoping. Lol. Might put right the inconvenience youve had. Lol.

Weird goings on

Experienced the same mistakes over the past two days but not including refunds to bank accounts that were never taken out of your account
Made enquires to ascertain difference between prices of OEM parts vs new aftermarket IMPROVEMENTS, not modifications, so going in armed with the facts and arguing my point that these should in no way be regarded as modifications as, the said improvements are actually cheaper than OEM Fiat items, the insurance company was backed into a corner, HA :woot:

Whilst i except things can be classed as mods, MANY insurance companies need to take heed of what they preech, otherwise could very swiftly find themselves at the mercy of their own governing body (Insurance Ombudsmen). Anyone daft enough to avoid mentioning anything other than factory fitted, is taking a big gamble, odds at which could be slim but nevertheless are worth risking.

Good point mentioned by MEP about doing comparisons of standard quotes then, declaring changes, this is a very grey area in the insurance business yet gets, pretty dark and deep the more you look into variables, they one minute have strict guidelines to which they profess to absolutely sticking to, the next leniency at their discretion, ambiguousness is an understatement

Comparisons must fuel the fire though, shouldn't really come into question really or effect standard vehicles quotes as, when we take out cover fully aware of what we are entering into, knowing full well any slight detail not quite correct could render a policy void, we are not going to do ourselves out of watertight cover for the sake of small detail recorded as part of the insurance terms and conditions agreement.

Getting loaded on a quote for parts exceeding the car's value makes perfect sense within reason, but after comparing for example, how much if at all it would be if i put set of alloys on (for sake of argument), then get unreasonable quote for a bog standard car because of shopping around to see the difference in price over the net or by phone is totally unjustfied :bang: