How JustAnswer Works:

  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.

Ask Jo C. Your Own Question

Jo C.
Jo C., Barrister
Category: Law
Satisfied Customers: 69360
Experience:  Over 5 years in practice
12826847
Type Your Law Question Here...
Jo C. is online now

After calling our insurance co Admiral just to temporally

Customer Question

Hi, after calling our insurance co Admiral just to temporally add my daughter for 4 days to my car. I was asked numerous questions one was about have I been on a traffic awareness course. I said I had not been on one, but is that for a speeding ticket, she said yes. I was told my daughter was to young, engine to big and that she couldn't be added.
4 days later I get a call from Admiral saying the information I had given had not been disclosed before (my husband insured 4 cars multi car) I have had this for 22 months and they will back date me £1521-. I'm so shocked I am a policy holder and a named driver on my 3 childrens cars. I'm 51yrs old been driving for 34yrs and did have a clean licence I thought having been given 3 points and a fine was my punishment.
The guy who called back said I would not have been insured.
I'm wondering if that be so and if I have paid insurance for 22 months on all cars should I not receive a refund and pay the right sum of money going forward?
I received the ticket when I had driven my son to heathrow airport Junction 15/16
returning home Junction 3 I got a call to say my son had one of our other car keys ( he at that time worked aboard so needed the key at home)so I returned to heathrow to get the key. On my way back again there was the average speed cameras this is now passed 10pm no one working, all dark, driving 67miles per hour as on the M25 they consistently change speed limits and putting them back to normal again, in my experience. I did not think I was doing wrong, being the time of night, barely any traffic.
How do I stand with the money admiral is asking for, they said even if I only stay on my car I will have to pay £745.71 if I'm taken off all cars I still would have to pay £684.46.
I have spoken to another member of Admiral who said I would have been insured if I had had an accident I do not feel happy with a say so. Thank god I have not had an accident.
I'm unsure now what to do?
PLEASE HELP !!!
Many Thanks *****
Submitted: 1 year ago.
Category: Law
Expert:  Jo C. replied 1 year ago.
Hi.
Thank you for your question. My name is ***** ***** I will try to help with this.
What would you like to know about this please?
Customer: replied 1 year ago.
in my email I have asked how do I stand with the money Admiral are asking for ?
Expert:  Jo C. replied 1 year ago.
Is there any reason you think this can be challenged?
Or is it the amount?
You seem to accept the non disclosure?
Customer: replied 1 year ago.
I'm sorry Jo what is the non disclosure.
I was thinking that If they can put a price on me owing them money for not being insured. Then they could tell me how much I have already paid which should be refunded to me. Starting a fresh they would now insure me with this information and give me a premium going forward. Would that not be right
Customer: replied 1 year ago.
Hi Jo are you going to respond to my last question please
Customer: replied 1 year ago.
Hi Jo are you still there ?
Expert:  Jo C. replied 1 year ago.
The reason you are experiencing delay is that you keep posting before I have responded which pushes the question the back of my list.
They are saying that you didn't tell them about various road traffic incidents. If that is correct that is a relevant non disclosure as it would have affected the price.
They are perfectly entitled to void the insurance and refuse any refund at all.
They are offering you the option of paying the difference between the price that you would have been charged and the price that you did pay.
On the face of it, there is no challenge to that. I suppose you could ask them to reduce the amount slightly but it is really grasping at straws.
I'm very sorry but that is your position.
Can I clarify anything for you?
Jo
Customer: replied 1 year ago.
there are not various road traffic incidents there was just one SP50, as I have said I did not know this was something I should have disclosed or was ever asked about before.That maybe so that the insurance could be void, So how can they ask me for money when I then would not be insured
Customer: replied 1 year ago.
Hi Jo,
After waiting for an answer for over 24 minutes I can only come to a conclusion you are not going to respond
good bye
Expert:  Jo C. replied 1 year ago.
Ok.
Good luck.

What Customers are Saying:

 
 
 
  • Thank you so much for your help. Your answers were really useful and came back so quickly. Great! Maggie
< Previous | Next >
  • Thank you so much for your help. Your answers were really useful and came back so quickly. Great! Maggie
  • A quick response, a succinct and helpful answer in simple English. I believe I can now confront the counter party with confidence -- worth the 30 bucks! Rick
  • Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help. Mary C.
  • This expert is wonderful. They truly know what they are talking about, and they actually care about you. They really helped put my nerves at ease. Thank you so much!!!! Alex
  • Thank you for all your help. It is nice to know that this service is here for people like myself, who need answers fast and are not sure who to consult. GP
  • I couldn't be more satisfied! This is the site I will always come to when I need a second opinion. Justin
  • Just let me say that this encounter has been entirely professional and most helpful. I liked that I could ask additional questions and get answered in a very short turn around. Esther
 
 
 

Meet The Experts:

 
 
 
  • Jo C.

    Jo C.

    Barrister

    Satisfied Customers:

    30316
    Over 5 years in practice
< Last | Next >
  • http://ww2.justanswer.com/uploads/EM/emus/2015-7-7_192327_bigstockportraitofconfidentfemale.64x64.jpg Jo C.'s Avatar

    Jo C.

    Barrister

    Satisfied Customers:

    30316
    Over 5 years in practice
  • http://ww2.justanswer.com/uploads/BE/benjones/2015-12-1_0437_ennew.64x64.jpg Ben Jones's Avatar

    Ben Jones

    UK Lawyer

    Satisfied Customers:

    11553
    Qualified Solicitor - Please start your question with 'For Ben Jones'
  • http://ww2.justanswer.com/uploads/BU/Buachaill/2012-5-25_211156_barrister5.64x64.jpg Buachaill's Avatar

    Buachaill

    Barrister

    Satisfied Customers:

    1754
    Barrister 17 years experience
  • http://ww2.justanswer.com/uploads/JO/jojobi/2013-3-19_0265_maxlowryphoto.64x64.jpg Max Lowry's Avatar

    Max Lowry

    Advocate

    Satisfied Customers:

    894
    LLB, 10 years post qualification experience
  • http://ww2.justanswer.com/uploads/UK/UKLawyer/2012-4-12_9849_F2.64x64.jpg UK_Lawyer's Avatar

    UK_Lawyer

    Solicitor

    Satisfied Customers:

    750
    I am a qualified solicitor and an expert in UK law.
  • http://ww2.justanswer.com/uploads/KA/Kasare/kasare.64x64.jpg Kasare's Avatar

    Kasare

    Solicitor

    Satisfied Customers:

    402
    Solicitor, 10 yrs plus experience in civil litigation, employment and family law
  • http://ww2.justanswer.com/uploads/OS/osh/2015-7-7_19268_gettyimagesb.64x64.jpg Joshua's Avatar

    Joshua

    Lawyer

    Satisfied Customers:

    8199
    LL.B (Hons), Higher Prof. Dip. Law & Practice