Admiral Car Insurance Rant

Admiral Car Insurance Rant

Author
Discussion

CRB14

1,493 posts

151 months

Sunday 7th July 2013
quotequote all
As many others I've not had a problem with them so far and never have in the past either. Then again so far I've yet to call on them to pay out on anything.

They are better than ensure though who wanted to charge me £2500 to change my address.

Incognegro

1,560 posts

132 months

Sunday 18th May 2014
quotequote all
P-Jay said:
Hope this is the correct section, couldn't find an 'insurance' or indeed 'endless moaning rant' section.

If anyone is considering using Admiral, please take a moment to consider the following:

The own (via their parent company) confused.com - and suspiciously will almost always be the cheapest, or at least in the top 3 on confused. - For me they are anyway.

The price they quote on confused is almost impossible to obtain, and if you do get it, you will only be getting 10 months cover, so when it's time to renew other insurers may not accept your NCB.

If you pay monthly the monthly figures bare little resemblance to the headline figure because 1) they have an insanely high APR 2) they will 'helpfully' include their dubious 'personal injury cover' without ever letting you know the cost of it and only a fleeting mention of it's existence, it's also never mentioned in any of the endless lit they send you post-sales.

Also you can ONLY buy monthly over the phone, so you can look forward to spending half-an-hour plus (seriously it took me 32 mins according to my phone) where you will be ruthlessly hard-sold extras like repayment insurance, hire car cover, breakdown cover etc etc they never take no for an answer for the first or second time.

Best of all, once you been dragged through hell and back just to give them your hard-earned for what will probably be nothing in return you can look forward to being called 4-6 times a day, during working hours which is REALLY handy when you've got a job to do. Under the pretence of 'making sure everything is ok' and then being hard-sold the junk extras you didn't take the first time.

Most of the time I’m ether too busy to answer or just ignore it, the few times I’ve picked it up I’ve spent a couple of seconds telling them yes, I got the stuff in the post, yes I’ve sent in my NCD, yes I’m happy.

As soon as they start the sales pitch I tell them to sod off and I get

“Sorry sir is this not a good time”
“No time is a good time, don’t call again”
“Sorry about that, is this afternoon better?”
“Do you understand what I’m saying?!?!”
“Yes, sorry you’re busy, I’ll call back”
“No don’t........” beeeeeeeeep and the prick’s hung up.

I wrote them an e-mail on Monday to complain, they promised me they would stop calling, but they still call 3 times a day – I answered the first few thinking it would be the customer service team but it’s the sales chimps I say “hello” they ask to speak to Mr. Jay, I confirm my address etc and then they say, “oh sorry sir, your notes say you don’t want to be called, I’ll leave you alone good day”

How the **** is that ‘leaving me alone’!?!?!?!?

They have offered me the chance to cancel the extras, but won’t tell me the costs of them – how the balls are you meant to judge the worth of something if they won’t tell you the cost!

Sorry, rant over.
All I am going to say is: AVOID ADMIRAL AT ALL COSTS! THEY WITHHELD INFORMATION FROM INVESTIGATORS AFTER REFUSING TO SETTLE MY CLAIM AND WOULD NOT ONCE BE STRAIGHT. ALL THEY DID WAS HIDE BEHIND T&Cs WHICH WERE NEVER APPARENT.

tighnamara

2,186 posts

152 months

Sunday 18th May 2014
quotequote all
Incognegro said:
All I am going to say is: AVOID ADMIRAL AT ALL COSTS! THEY WITHHELD INFORMATION FROM INVESTIGATORS AFTER REFUSING TO SETTLE MY CLAIM AND WOULD NOT ONCE BE STRAIGHT. ALL THEY DID WAS HIDE BEHIND T&Cs WHICH WERE NEVER APPARENT.
Never had a problem and have 3 cars insured through them over a number of years, honoured a claim which was my fault and paid out in another claim when an Admiral insured driver hit my car.

Out of curiosity what information did they withhold and who were the investigators ?
They must have had some strength behind not settling the claim, what T & C's that we're not apparent did they hide behind.
Would be interested to know since I am insured through them, half a story isn't very good to go on, especially one that just SHOUTS don't use Admiral.



Incognegro

1,560 posts

132 months

Monday 19th May 2014
quotequote all
Firstly after submitting everything to the ombudsman the adjudicator ruled in my favour. I would always disclose all mods and pay extra to have them however they then said my OVERFINCH bumper was not disclosed (magically lost the phone call). In addition to that I was victim in a brake slam in the middle of a no traffic 60mph zone the woman hoped straight out with pen and paper. I got home and told them immediately where/what hsppened. Don't pay a scam I said. The woman then put a claim I saying she was att traffic lights and I rear ended her? They paid her £350 but argued fully not to pay the £3500 to replace my bumper. They then argued standard parts clause and the ombudsman gave them too much room to manoeuvre and my complaint not upheld as they we only counter arguing and not disclosing all info. They then asked me to pay them if I wanted to leave... They got my middle finger and my custom NEVER AGAIN! Be careful is all I will say

tighnamara

2,186 posts

152 months

Monday 19th May 2014
quotequote all
Incognegro said:
Firstly after submitting everything to the ombudsman the adjudicator ruled in my favour. I would always disclose all mods and pay extra to have them however they then said my OVERFINCH bumper was not disclosed (magically lost the phone call). In addition to that I was victim in a brake slam in the middle of a no traffic 60mph zone the woman hoped straight out with pen and paper. I got home and told them immediately where/what hsppened. Don't pay a scam I said. The woman then put a claim I saying she was att traffic lights and I rear ended her? They paid her £350 but argued fully not to pay the £3500 to replace my bumper. They then argued standard parts clause and the ombudsman gave them too much room to manoeuvre and my complaint not upheld as they we only counter arguing and not disclosing all info. They then asked me to pay them if I wanted to leave... They got my middle finger and my custom NEVER AGAIN! Be careful is all I will say
OK thanks, sounds like a bit of a nightmare.

Incognegro

1,560 posts

132 months

Monday 19th May 2014
quotequote all
It really left a bad taste with me I had been open and with them for years and that's how I was treated. Absolutely shocking

TwigtheWonderkid

43,244 posts

149 months

Tuesday 20th May 2014
quotequote all
CRB14 said:
They are better than ensure though who wanted to charge me £2500 to change my address.
Assume you are a war correspondent, and got posted to Homs.

Incognegro

1,560 posts

132 months

Tuesday 20th May 2014
quotequote all
TwigtheWonderkid said:
CRB14 said:
They are better than ensure though who wanted to charge me £2500 to change my address.
Assume you are a war correspondent, and got posted to Homs.
Or they forgot the decimal £25.00 lol wink

lukefreeman

1,492 posts

174 months

Thursday 22nd May 2014
quotequote all
P-Jay said:
Hope this is the correct section, couldn't find an 'insurance' or indeed 'endless moaning rant' section.

If anyone is considering using Admiral, please take a moment to consider the following:

The own (via their parent company) confused.com - and suspiciously will almost always be the cheapest, or at least in the top 3 on confused. - For me they are anyway.

The price they quote on confused is almost impossible to obtain, and if you do get it, you will only be getting 10 months cover, so when it's time to renew other insurers may not accept your NCB.

If you pay monthly the monthly figures bare little resemblance to the headline figure because 1) they have an insanely high APR 2) they will 'helpfully' include their dubious 'personal injury cover' without ever letting you know the cost of it and only a fleeting mention of it's existence, it's also never mentioned in any of the endless lit they send you post-sales.

Also you can ONLY buy monthly over the phone, so you can look forward to spending half-an-hour plus (seriously it took me 32 mins according to my phone) where you will be ruthlessly hard-sold extras like repayment insurance, hire car cover, breakdown cover etc etc they never take no for an answer for the first or second time.

Best of all, once you been dragged through hell and back just to give them your hard-earned for what will probably be nothing in return you can look forward to being called 4-6 times a day, during working hours which is REALLY handy when you've got a job to do. Under the pretence of 'making sure everything is ok' and then being hard-sold the junk extras you didn't take the first time.

Most of the time I’m ether too busy to answer or just ignore it, the few times I’ve picked it up I’ve spent a couple of seconds telling them yes, I got the stuff in the post, yes I’ve sent in my NCD, yes I’m happy.

As soon as they start the sales pitch I tell them to sod off and I get

“Sorry sir is this not a good time”
“No time is a good time, don’t call again”
“Sorry about that, is this afternoon better?”
“Do you understand what I’m saying?!?!”
“Yes, sorry you’re busy, I’ll call back”
“No don’t........” beeeeeeeeep and the prick’s hung up.

I wrote them an e-mail on Monday to complain, they promised me they would stop calling, but they still call 3 times a day – I answered the first few thinking it would be the customer service team but it’s the sales chimps I say “hello” they ask to speak to Mr. Jay, I confirm my address etc and then they say, “oh sorry sir, your notes say you don’t want to be called, I’ll leave you alone good day”

How the **** is that ‘leaving me alone’!?!?!?!?

They have offered me the chance to cancel the extras, but won’t tell me the costs of them – how the balls are you meant to judge the worth of something if they won’t tell you the cost!

Sorry, rant over.
I definitely paid over the phone, for a year in one go!

THey did give me a higher reknewall after a year.......I just rang up and siad if you dont' knoc it down to £100 under what I paid year before I'm going elswhere.


They soon changed their mind.

(Multicar policy, 3 cars.)

anonymous-user

53 months

Thursday 22nd May 2014
quotequote all
That's strange. They were the lowest priced on Comparethemarket. 12 months cover . I opted to pay monthly online as it was only 15 more. I ticked the box that says never call me, but I only ever give such places my iPhone number so I can block their number should they call me. so I'm more than happy!!

russ_a

4,568 posts

210 months

Thursday 22nd May 2014
quotequote all
I got caught out by their 10 month bonus NCD not being accepted by other insurers. Wrote to them to complain and they sent me a cheque for the difference. This was 15 years ago mind!

GG89

3,526 posts

185 months

Thursday 22nd May 2014
quotequote all
russ_a said:
I got caught out by their 10 month bonus NCD not being accepted by other insurers. Wrote to them to complain and they sent me a cheque for the difference. This was 15 years ago mind!
I have been using their 10 month bonus ncd policy for 3 years now. I think a lot of other insurers now accept them as full year. (Could be wrong)

greggy50

6,161 posts

190 months

Friday 23rd May 2014
quotequote all
Never had an issue with them myself also had a 50/50 claim paid out at 400 more than I purchased the car for and had a hire car provided the next day as well so could not complain!

I would recommend ringing during office hours in the week if you can as otherwise you get transferred over to an Indian call centre and although they try their best to help they really don't appear to have a clue what they are doing...

TVR1

5,460 posts

224 months

Friday 23rd May 2014
quotequote all
Incognegro said:
All I am going to say is: AVOID ADMIRAL AT ALL COSTS! THEY WITHHELD INFORMATION FROM INVESTIGATORS AFTER REFUSING TO SETTLE MY CLAIM AND WOULD NOT ONCE BE STRAIGHT. ALL THEY DID WAS HIDE BEHIND T&Cs WHICH WERE NEVER APPARENT.
These NEVER APPARENT T&C's? Not the ones that would've popped up so you could read them when you tried to progress your application for insurance, I suppose? Or did you just tick 'read' without actually reading them?

Just wondering?

Incognegro

1,560 posts

132 months

Sunday 25th May 2014
quotequote all
No not quite like that at all! They were referring to a standard parts clause. This was then overturned by the ombudsman as they had clearly been charging me the extra premiums as I informed them of mods.... However they then claimed they had no specific knowledge of the OVERFINCH bumper (most expensive part)! And the phone calls then became conveniently selected and I was given a token offer. Don't worry your jobs safe with them.

Oh and FYI I didn't take out online I clearly described my vehicle over the phone as the customisations are not quite as simple as a tick box as they never cover all bases and by going with Admiral neither did I.

Edited by Incognegro on Sunday 25th May 20:01

Incognegro

1,560 posts

132 months

Sunday 1st June 2014
quotequote all
Oh yeah and I forgot to mention that despite me telling them immediately what had occurred (and going to the police station voluntarily to report and let them know of a suspected scam). They paid out despite a gross misrepresentation from the 3rd party. We were slap bang in the middle of a 60mph road. Her version was she was waiting at traffic lights and I hit her in the rear?!

imagineifyeswill

1,223 posts

165 months

Monday 2nd June 2014
quotequote all
I have to agree with Incognero, Ive also been stitched up Admiral on a non a simple straightforward non fault claim, accused me of not informing them off an SP30 which I could prove I did, followed that up with an accusation that anyone who doesnt tell them about one conviction obviously has multiple other undisclosed convictions, asked for permission to go to DVLA to enquire about my license and told me DVLA had no record off me, when I contacted DVLA and inquired it transpired they had never actually contacted DVLA. They then tried to pursue the totally wrong insurance company for the at fault driver before totally washing ther hands of the matter, told me to pay for repairs myself and get my legal protection to pursue the other party for recompense, This was followed up with a customer satisfaction survey to ask could I let them know why Id decided not to renew policy with them.

Grumfutock

5,274 posts

164 months

Tuesday 3rd June 2014
quotequote all
Been with Admiral multi car for 5 years now. Insured 7 cars via the policy including super car and my daughters 1st car, which was written off and she was seriously injured in, (not her fault, apparently red lights mean go to some people).

Very good service and price. Couldn't praise them enough.

Incognegro

1,560 posts

132 months

Tuesday 3rd June 2014
quotequote all
imagineifyeswill said:
I have to agree with Incognero, Ive also been stitched up Admiral on a non a simple straightforward non fault claim, accused me of not informing them off an SP30 which I could prove I did, followed that up with an accusation that anyone who doesnt tell them about one conviction obviously has multiple other undisclosed convictions, asked for permission to go to DVLA to enquire about my license and told me DVLA had no record off me, when I contacted DVLA and inquired it transpired they had never actually contacted DVLA. They then tried to pursue the totally wrong insurance company for the at fault driver before totally washing ther hands of the matter, told me to pay for repairs myself and get my legal protection to pursue the other party for recompense, This was followed up with a customer satisfaction survey to ask could I let them know why Id decided not to renew policy with them.
The survey lol... sounding like De Ja Vu

Gnits

914 posts

200 months

Sunday 10th July 2016
quotequote all
This is the first thread that popped up when I searched car insurance rant so this is where it's going...
I have my ranting trousers on..

The industry you have to have by law and who regulate themselves with 'statistics' f*cking bunch of f*cking c**ts more like...
£50 'admin' fee. F*cking admin? What f*cking admin? You change my record and edit one f*cking field! I can change payments with my bank, change my address with my workplace, I can even exchange goods at shops with no f*cking admin fee!
You don't have some f*cking Oracle freak in the basement doing database updates just because I changed my f*cking underpants you c**nts!

C*ntious Pilate: When did you pass your driving test?
Me: Nearly 30 years ago now.
C*ntious Pilate: Do you know the date?
Me: Errr, I think it was Sept 20th, ish
C*ntious Pilate: Any endorsements?
Me: Provides details..

Today I got an Email saying that they have done some checking and it was the 24th and that I passed my test and that I didn't tell them about endorsements so that is an extra £10 WITH A £50 ADMIN FEE!
F*ck you, your inbred f*cking spawn, the horse you rode in on and all its relatives you f*cking ar*ehole eating, rat f*cking, feeble minded cow w*nkers. I f*cking TOLD your spotty oik all the information you required, you f*cking record it for quality purposes and then you accuse me of f*cking witholding information and charge me money for the privilege.
4 days difference 27 years ago - really? Bearing in mind my 'no claims discount' magically f*cking disappeared because I haven't had my own insurance policy specifically for a car for 2 years, because that sh*t is volatile and f*cking evaporates if you don't keep the lid on. You now want to quibble over 4 f*cking days, what amount of driving talent do you pea-brained gibbons think I accrued in those four days that made £10 difference in a bad way, if it was good way those 4 days would have saved me money but no, amazingly you f*cking know that those 4 days 27 years ago made me a worse driver by £10. And that check and those calculations that you were going to f*cking do anyway now magically cost me £60.
It makes absolutely no f*cking logical sense, have I been on the road on a motorbike, yes. Have I had to use the road with other road users, yes. Have I had to obey the same laws, yes. Have I been insured and driven other peoples cars, yes. Have I been free of massive or in fact ANY accidents, yes. Am I still licenced to drive a car, yes. Will that cost me more money - of course because... reasons.
If you listen really carefully when you call this shower of t*rds you can actually hear the dice rolling. No other explanation for what we have all had where the same company quotes different prices depending on when you call them. Really? the statistics changed that much in the last couple of hours? Thousands of people across the country suddenly had accidents in cars like mine, sounds perfectly reasonable...
Or my personal favourite: That will be £xxxx ...What is the best quote you have had so far?... Let me just check... oh yes we can offer it for you for £3 less. than that. - I guess that was some new f*cking statistics you just had come in then, is it like some teletype update from World of f*cking Sport?.
I bet the recording of my conversation with your imbecile has magically evaporated like my no claims discount you gargantuan bell-ends.
I can't wait for the day when your industry sh*ts the bed like it did for the lying bankers you utter cunch of bunts.