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 Ash Your Own Question

Ash
Ash, Solicitor
Category: Law
Satisfied Customers: 10916
Experience:  Solicitor with 5+ years experience
75100385
Type Your Law Question Here...
Ash is online now

My insurance company gave me a quote at the beginning of my

Resolved Question:

My insurance company gave me a quote at the beginning of my car insurance in January. I was paying monthly, then there was a problem with one of my direct payments, so they requested the full remainder of the policy be paid. I did that, and thought my policy was clear for the year.
I just moved to the UK in September, but had been driving for 7 years, so when I initially applied for the policy, I was still using an international license. I was told that when I get my UK license, to let them know and my premium would be lowered. I got my UK license in March and they lowered my premium by about 80 pounds for the year.
A few weeks later, I received an email saying that there was a discrepancy and that I needed to pay 1800 pounds within a week. When I called to debate this, they gave me two stories. They said that because I had a UK license (automatic), it would not be considered a full license and I would have to pay the difference (even though my car is automatic). When I told them that I had told their colleague the type of license initially, and that he did not inform me of this, they reviewed the call and realized I was correct. Then they said that because I have a new license, my driving years started back at 0 (I had 5-7 years no claim when I took out the policy).
Today they called and said that their pricing and quality departments said that they best they can do is cancel my policy and give me 1000 refund (ignoring the cancellation fee), which means that I will need a new policy tomorrow, which will cost thousands more because I have a cancellation now.
I am a student and cannot afford these fees with a day or even a week's notice. What is the best course of action, in your opinion?
Submitted: 1 year ago.
Category: Law
Expert:  Ash replied 1 year ago.
Hello my name is ***** ***** I will help you.Just to be clear you never misled Admiral in any way and they always knew about the state of your licence?Alex
Customer: replied 1 year ago.
Correct. I told them the exact type of international license I had when I started my policy and the type that I changed to when I passed my UK driving exam.
Expert:  Ash replied 1 year ago.
Ok - then you should write and make a formal complaint. I realise this may take a little while. Once you make a formal complaint it will be investigated. Then if they dont uphold the complaint you can refer it to the Financial Ombudsman.They offer a free, independent service at: www.lgo.org.uk - but sadly you cant do that until you have complained to the insurance company. Therefore you need to follow this process.I realise this does not help you in the short term but the Ombudsman may make them refund this money back to you and take action. The only other thing would be to seek a Court order preventing them cancelling the insurance, but that could be quite expensive.Can I clarify anything for you about this today please?Alex
Ash, Solicitor
Category: Law
Satisfied Customers: 10916
Experience: Solicitor with 5+ years experience
Ash and 2 other Law Specialists are ready to help you
Customer: replied 1 year ago.
That's it; thank you.
Expert:  Ash replied 1 year ago.
Thanks. Alex

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
< Previous | Next >
  • http://ww2.justanswer.co.uk/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.co.uk/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.co.uk/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.co.uk/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.co.uk/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.co.uk/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.co.uk/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
 
 
 

Related Law Questions