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I forgot about the 3point when I renewed last year and then included it this year so it was my mistake .
having admitted i made a mistake in omitting the 3 point penalty ,they are now admitting they were wrong to take my money for the renewal without my permission and admit the initial charge was excessive and also admit they were not very efficient with correspondace regarding the extra payment.
They have now offered to reduce last years outstanding from the original £750 down to £327 ,which I still feel is excessive for 3 points on the licence.
Do I have any chance of reducing the amount.
I have already cancelled my renewal with them due to the poor service.They accept this and say they could have done better.
I only had those 3 points on my licence and they told me the premium last year would have been the £750 extra at that point if i had declared it and I told them if i had known that at the time I would not have renewed with them,they agreed with me!
Thank you very much for your help ,I will continue my dialogue with them after your assistance. Sadly i have been driving for some 40 years!!
Very best regards
I have spoken to the Financial Ombudsman and unfortunately he says that Insurance companies can and do charge extra for the first 3 points !!
thank you for your continued assistance ,I will do as you have suggested.