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Anonymous
Long review but defo worth a read before considering starting a policy with them and especially if you are a young driver. My 'plug in and drive' (black box you only have to have for 3months) policy started on Feb and already have had to cancel my policy in May absolute stress! My renewal price with a previous insurer went up by a lot so I had to start looking for another provider, admiral came along with a dirt cheap price (which I now know was too good to be true) Setting up the policy was very smooth and easy I can't complain about that. 30 days from the day I started my policy I received an email to say my driving score was 'bronze' and told me things I need to improve on such as harsh acceleration etc. I took this onboard and started to chill with the acceleration. 60 days from the day my policy started i got another email to say that my driving score was still 'bronze' and that for the next 30days I will really need to improve or my policy will be cancelled. At this point I called them up because I didn't really understand what was going on and what more I need to do to improve my score. I was told that there was 3 main factors effecting my score. Speed - Risk factor - night driving. Speed I took on the chin but I argued the other two. They said driving from 10pm - 5am was thought to be risky and this effects the score I explained to them that I have only drove once in 60days after 10pm (which I honestly had) I also asked about the 'risk factor' the man then began to explain that my car was not outside my house enough hours a day he said that it needs to be outside my house 12 hours a day(ridiculously unpractical)!! I explained that my car is practically outside my house for that amount of time anyway (I walk to work) and that the only time it's not there is when I stay at my boyfriends house 4times a month! They told me that in order to meet the % to get my score up I'm only allowed to keep my car away from my address 1 night a month!!!!! Furious and in disbelief I asked to see the data they have been getting from my box they told me I must pay £10 to see the data from MY box and it will take 40days to arrive to me (remember they said that if my driving doesn't improve in 30days it would be cancelled) so there was no point. The man then went on to tell me that if I do all of these things just for the next 30 days my score would certainly go up. Desperate for it not to be cancelled as I had no money to get another policy I did as they told me to. Every time I went out I put my cruise control on I did not speed once in those 30 days I also paid for hourly insurance on my sisters car to travel to my boyfriends house to insure that my car was outside my house 12 hours a day. 90 days from the day my policy started (judgement day) I was pretty confident they wouldn't cancel my policy as I done everything I was told to get my score up. I get an email to say that my score is still bronze and that in 7days they will cancel my policy. Furious I'm straight back onto the phone with them in tears this time I spoke to someone else who told me " I don't know who told you that your score would go up in 30days it never would of" I was so upset I was lied to I paid out extra money to Insure my car was outside my house all those hours. In fairness they give you a 7day before they cancel the policy so you can cancel the policy in those 7days and you don't have to pay a cancellation fee or declare that it was cancelled to other insurance providers, I paid for the policy in one lump sum so I am now waiting for a refund (it's only been 2days since I cancelled) for the 10months unused insurance which they said they would do But I was so stressed in those last 30 days making sure I wasn't speeding and using other people's cars for nothing. Really disappointed and now having to to look for new insurance is hectic. My advice to you guys is unless you're a perfect driver you have been warned if you have a black box it is beyond impossible to get a good score and your policy will probably get cancelled!!
7 years ago
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