Just got my renewal through for my car, came in at £690 which seemed very high as I have been getting quotes online for £440 to £500.
So I called them to see why it was high.
Last year while I was in work, a chap came into the office to tell me a woman had reversed into my car and drove off. Went out and had a look and there was only a pressure dent and a slight scuff but called my insurers anyway to see what I should do.
The did a check on her and said it appeared she wasn't insured and as a result I would lose any excess paid and my premiums would increase. Because of this and the minor damage I just left it to the Police and made no claim.
Low and behold, Admiral have now said although I haven't claimed i did have an incident to which I now have to pay higher premiums for
I was completely baffled by this because I didn't make a claim, I just don't understand how they can get away with this sort of thing.
Needless to say Ive cancelled the insurance as I refuse to stay with them even if they end up being cheaper than other companies.
My only worry now is that as they have me down as making a claim, how would this affect any furture car insurance etc with another company??
Think i should see a solicitor or something as Admiral can not say i have made any claims, for a start they will have no proof as nothing has been paid out, settlements etc
I have contacted the Financial Ombudsman and am waiting for a response.