My daughter who was 21 in Oct renewed her car ins on the 18 Oct with xxxxx for £986.36 who she has always insured through for the last 3 years. She got her standard renewal notice and checked the comparison website before going with Bells. 2 weeks later she received a letter from them stating 'a check of your policy details against our system records has highlighted a discrepancy in the details you gave us. The information suffers to that recorded on another quote with us or another company within the same group. Your motoring conviction has been amended. We have added your driver awareness course details to your. They then ask for another £440.53.' She spoke to Bells and sent copies of her licence to show she had not got any points on her licence and did not know that she had to declare it as she had not incurred points, this is purely a lack of understanding on her part. What I want to know is do we have to pay this additional premium, at the moment we have stopped the payment coming out of her bank to check, please can you advise me Mrs jeanette xxxx
Are you there?
She received a Notice of Intended Prosecution, is that right?
Which offered her a fixed penalty (and points) or the course?
Ok - so she did NOT get a fixed penalty then, you would agree?
Yes. But now what the insurance company asked is very important.
Did they ask have you ever had a conviction or fixed penalty
Or did they ask have you ever had a notice of intended prosecution?
Ok - you need to know what exactly the question was asked.
This is very imporant
If they asked fixed penalty or conviction she is ok
If they asked for fixed penalty, conviction OR NIP she is not ok
What you need to do is write and complain. The course is NOT a conviction or fixed penalrt
They will go and investigate it and report back to you
If you disagree with the outcome you can go to the Ombudsman
They are free, independent and can examine the complaint at: www.financial-ombudsman.org.uk
Can I clarify anything for you about this today please?
Its not a conviction
Its not a fixed penalty
I think she will be fine
Does that help?
I would not contact Bells - they are clearly in the wrong
There is no fixed penalty or conviction - but they just dont see that
Can I clarify anything else for you?
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