So here's a story on how Admiral Insurance illegally increased my premium by 37% for SPENT points they scrape themselfs from my old policy with them. I bought a premium about a month ago from Admiral by using Confused.com. They've quoted me for something like £680 per year payable in advance which I have paid on that day. This will be the third year in a row with Admiral and earlier there were no problems. Generally I have already been driving for over 10 years and in the UK I have four years of discounts. Yesterday morning, I get an mail from them saying that they're increasing my policy by £250 because I have 3 points for speeding from 2012! That's right because they are the 3 points exactly from 01/03/2012 and are SPENT and expired in March of last year. Logging onto the official UK government website it clearly shows 0 points. I did call them and quoted the Rehabilitation of Offenders Act 1974 which basically says that SPENT/expired point are expired and I have no obligation to inform anyone about them. I asked them how they found out about the point and they said that they worked it out from my previous policy ( yeah, in previous 3 years I was with them so they had that on record while the points where UNSPENT... ) They did not agree to reduce this amount and have my card details on file so will be charing me the extra £250! Fraud in broad daylight! I have already been paying an INCREASED premium for the last 3 years for those 3 points, despite the fact that these points have expired Admiral wants an extra £250 from me. Dear colleagues that about 37% more on top of what I have already paid. The case I described is already reported to the Financial Ombudsman and news papers but haven't had any replies yet as I am typing this. Anyone knows of a lawyer who want to represent me in court against this fraud by Admiral?