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Subject Topic: ADAC European Breakdown - Beware! Post Reply Post New Topic
Personlidds0
09/10/2013 at 9:31am
 Location: Yorkshire
 Outfit: None Entered View lidds0's Profile View Profile   Reply to lidds0 Reply   Quote lidds0 Quote  
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Last year, we took out ADAC 'Partner Plus' breakdown cover, and included our two teenage sons on what I took to be a family policy.

This year, five or six weeks prior to renwal, we received documents through the post, apparently billing us separately: 79,50 for my husband, 19,20 for myself and 19,00 for our son, who was now aged nineteen.

I emailed several times, informing them that our son should not be included in the renewal this year and asking if I could pay a single premium, as per last year. After umpteen email attempts, all of which went unanswered, I telephoned Germany and explained the situation. I was informed that our son was now considered an independent customer and, since he had not personally written to inform them, 3 months prior to renewal, that he did not wish to continue a policy in his own right, he would now have to pay the 19 euros premium.

I argued that he had never entered into independent agreement with them, and that he was simply a named child on our family policy.

My account was debited a single payment of 98,50 and I thought that was that. Except, now our son has been billed for 19 euros.

So, just a heads up, to anyone who is thinking of naming teenage children for free inclusion on their ADAC policy; remember to get THEM to write (apparently it has to be a written communication, delivered by surface mail!), at least 3 months prior to renewal, stating they do NOT wish to continue a policy in their own right, once they attain 19 years of age.


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PersonVal A
09/10/2013 at 9:39am
 Location: West - North Yorkshire
 Outfit: Swift Speedbird 490 Mondeo Estate View Val A's Profile View Profile   Reply to Val A Reply   Quote Val A Quote  
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ADAC have strict terms and conditions about renewal - three months notice of cancellation - and everyone who takes out their policy should be aware of this.  I don't think I've noticed the 'teenage children' bit, as it doesn't apply to us.  I suppose as a 'Members Club' rather than an organisation they have different terms and conditions to most insurers.

Actually, though, by renewing now, you''ve saved yourselves a few euros because ADAC have put up their prices for 2014! 



Personlidds0
09/10/2013 at 9:44am
 Location: Yorkshire
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Heck, no, we renewed back in July, this bill for our son has only just been issued!

Another thing, they state cancellation must be made by letter, not by email.


Personlidds0
09/10/2013 at 9:48am
 Location: Yorkshire
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(No idea why I even bothered to name our two teenage sons,to be honest. Our eldest never drives our car anyhow and the youngest is too young to drive! I think I was just in a hurry to get it organised, last year, and when I saw the section to name children and have them included in the cover for free, I just filled in their details thinking it must relate to naming passengers/family members who'd potentially be in the car if it broke down! )


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Personjonbo
09/10/2013 at 10:12am
 Location: Ireland
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This sounds similar to the situation that applies to all motor insurance policies in Belgium, where the law is that a motor insurance policy will automatically be renewed unless the customer informs the insurance company in writing by surface mail a minimum of 3 months in advance of the renewal date that they do not wish to renew the policy and all the insurance companies are very strict in their application of this law.


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PersonCrach
09/10/2013 at 10:55am
 Location: France
 Outfit: Hobby 460Ufe View Crach's Profile View Profile   Reply to Crach Reply   Quote Crach Quote  
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Similar in France though in recent years it has changed to within one week of receipt of the renewal.


Personlidds0
09/10/2013 at 11:25am
 Location: Yorkshire
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It's not so much the 3 month notice period which concerns me, it's about their instigating an independent policy for any teenage children who are named (for 'free') on a family policy, once they reach 19 years of age. And insisting that the young person must be the one to opt out (within the 3 month ruling), despite them never having organised the policy in the first place!


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PersonMucker1884
09/10/2013 at 12:22pm
 Location: Derby.
 Outfit: Karsten 350+Awnings View Mucker1884's Profile View Profile   Reply to Mucker1884 Reply   Quote Mucker1884 Quote  
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I take it this bill is just that? A bill. I presume they don't have your son's full details, and certainly not bank details?

Personally, I'd tell him to bin it! Let them do the chasing.
He knows nothing about it, and has never entered into any agreement with them.

I'm tempted to say it even sounds an illegal practice!

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2024: 38 nights thus far...
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PersonJack+Jon
09/10/2013 at 1:43pm
 Location: 
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Good illustration of how what we are used to in the UK may not be quite the same across the channel. Their systems, their rules.

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Regards, Jack+Jon.


PersonStevann36
09/10/2013 at 7:54pm
 Location: Glos
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Is it OK to apply to join as a UK resident .I thought it was necessary to live in Germany
Steve

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Steve Tewkes


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PersonDiPhil
09/10/2013 at 8:34pm
 Location: Suffolk
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Yes it is quite OK to join as a UK resident we have been members for 6 years now and cannot speak highly enough of their service. Having used them twice.


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