Yep. Pain in the ****. Admiral said that because my car is over 3 years old they will not provide OEM glass.
However, I argued this, as it didn't mention it anywhere in my policy documents (it is however listed in the small print in the T&C's on their website) but nothing they sent me stated this.
Essentially I argued that had I known that they had a three year cutoff for OEM replacements, I would've never taken out the policy. It wasn't stated in my policy documents either. It just said '£75 excess for windscreen replacement'. Which could be considered a breach in ICOBS.
I also argued that I'm still have extended warranty and non OEM parts would void this warranty (look how strict Audi are with servicing for example...everything has to be approved, otherwise it can void warranty).
@Glassman was a fantastic help. Here's some advice he gave below:
ICOBS 6.1.5 is a requirement.
"A firm must take reasonable steps to ensure a customer is given appropriate information about a policy in good time and in a comprehensible form so that the customer can make an informed decision about the arrangements proposed".
6.1.7(2) is guidance (but usually followed) and "policy terms, including its main benefits, exclusions, limitations, conditions and its duration" should be shown.
Annex 2 suggests a Policy Summary to be included (it must for a life policy), and to show :-
Significant features and benefits.
Significant or unusual exclusions or limitations, and cross-references to the relevant policy document provisions.
They don't require the summary (i.e. not the small print) to show everything, just things that may not normally be found in comparable contracts.
i.e. enough information to allow them to make a informed decision.
_
I'd argue that in this case, the points are about as salient as they can be? Also, to point at a website is a bit beside the point. It is not part of the proposal; or did they actually say you should read the bumph on the website before heading to the checkout? I doubt it...
Anyway, moral of the story is...don't let them fob you off. Usually if you kick up enough stink they will submit