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insurance, underwriter cancelled my insurance
post Sat, 11 May 2019 - 17:11
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Dear all

I would like to apologise in advance if I am in the wrong forum but I hope someone could help. Today I received a letter from Admiral Insurance which informed me about the cancellation of my policy due to unappropriated language.

The problem started when I renewed my car insurance in March 2019. I paid for my car insurance in full. In about 10 days after I paid for the insurance I received a letter from Admiral where they advised that an additional £125.20 was added to my premium which they demanded to be paid. I reluctantly but have paid it.

When I challenged them Admiral told that I forgot to inform them about a "theft/accident" which occurred in 2017. They could not say whether it was theft or accident. All they said it is registered as theft/accident. In 2017 whilst my car was parked at Tesco, the third party hit my car but there was no damage. I, as a stupidest man, informed my insurance about the accident but decided not to pursue it unless the third party decided to claim against me. The claim has never been investigated, there was no financial lost and importantly I was not compensated neither was my car repaired. The claim was genuinely forgotten and never was an issue even in the following year 2018-2019.

I accept I used an inappropriate language whilst I communicated with their staff. During the renewal time my mum was diagnosed with a skin cancer called melanoma. The CT scan revealed another tumour on her lung which they still believe does not relate to her skin cancer. Mum is soon to have a lung biopsy.

Admiral formally responded to my claim and as expected did not upheld any of the points I raised. I then decided to take my complaint to the Financial Ombudsman. So as soon as I complained to the Ombudsman, Admiral decided to cancel my policy.

Your advise would be very much welcomed and I would like to apologise in advance for my poor syntax and grammar. I am dyslexic and English is not my first language. Thank you all

This post has been edited by battleagainstinsurance: Sun, 12 May 2019 - 16:25
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post Sat, 11 May 2019 - 17:11
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post Mon, 13 May 2019 - 10:17
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QUOTE (Korting @ Mon, 13 May 2019 - 07:06) *
QUOTE (Mat_Shamus @ Sun, 12 May 2019 - 00:20) *
If you go into a shop and become aggressive, or are swearing at the staff it can be considered as a form of abuse and / or intimidation and they are well within their rights to refuse you service for behaving that way.

Likewise with service suppliers.

Does the same apply to HMRC and their agents?

I believe that if you go on HMRCs website, they have a list of what they expect from you, and what you can expect from them.

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