Admiral Insurance - any comments
Discussion
worsy said:
Please be wary of Bell/Admiral/Elephant
Optional extras are not covered unless they are explicitly declared and form part of the schedule. for german cars such as Porsche, Audi and BMW we all know the basic spec is very likely to have been optioned up.
From their policy booklet
We will not cover:
any modifications unless they form part of the manufacturers standard specification or are optional extras that we have agreed to cover. See also Extra Conditions (endorsement 11)
So make sure you declare every modification and optional extra.
Not a problem on a GT3 - there aren't anyOptional extras are not covered unless they are explicitly declared and form part of the schedule. for german cars such as Porsche, Audi and BMW we all know the basic spec is very likely to have been optioned up.
From their policy booklet
We will not cover:
any modifications unless they form part of the manufacturers standard specification or are optional extras that we have agreed to cover. See also Extra Conditions (endorsement 11)
So make sure you declare every modification and optional extra.
Avoid imo.
Had my S2000 insured with them. Got hit by a foreign driver (Dutch) on a roundabout, was not at fault. Admiral did f
k all trying to chase this guy down. In the end I had to do most of the leg work, as luck would have it I had some help from a guy (Dutch) off another forum, who just happened to work in the insurance industry in Holland.
Had to write several stroppy letters to Admiral to persuade them that the claim was not going to go 50/50.
Absolute tts who do not deserve your business.
And yes I am biased. Cheaper is not always better.
Had my S2000 insured with them. Got hit by a foreign driver (Dutch) on a roundabout, was not at fault. Admiral did f
k all trying to chase this guy down. In the end I had to do most of the leg work, as luck would have it I had some help from a guy (Dutch) off another forum, who just happened to work in the insurance industry in Holland.Had to write several stroppy letters to Admiral to persuade them that the claim was not going to go 50/50.
Absolute t
ts who do not deserve your business.And yes I am biased. Cheaper is not always better.
That's pretty interesting, I've literally saved thousands over many years with Admiral underquoting everyone, and I shop around every year, but ive never had to claim! At least I specified all the extras, I wonder if they'd agree a guaranteed settlement figure for a little extra, or is it always Market value?
Hmmm.......
Hmmm.......
Well I'm with Bell (part of Admiral) and I made sure they had the expensive extras all noted on the policy - Alloys 18" Carrera, Spoiler GT Aero Kit and PSE exhaust. It didn't bump the premium to much.
Maybe its because I am a Insurance Claims Assessor that I actually read the policy documents and phoned them to tell them what extra's were on the car and that I wanted it noted. I don't deal with car claims but I do know how most insurers try and wriggle out of paying unless you've been very careful when taking out your cover (no matter what its for - car,house,business etc.)that you must declare everything and fill out any proposal form VERY carefully.
Read the policy terms carefully and query anything you are not sure about before you take out the cover. If you don't like what they say or they won't amend the cover, then move on to someone else.
Yes you do get what you pay for but more expensive doesn't necessarily mean better.
@B16 FYS - I would be interested to see whatever your gripe is/was about. Can you e-mail me? or seeing as you've posted on an open forum spill the beans and not leave us wondering......the abbreviated version will do
Maybe its because I am a Insurance Claims Assessor that I actually read the policy documents and phoned them to tell them what extra's were on the car and that I wanted it noted. I don't deal with car claims but I do know how most insurers try and wriggle out of paying unless you've been very careful when taking out your cover (no matter what its for - car,house,business etc.)that you must declare everything and fill out any proposal form VERY carefully.
Read the policy terms carefully and query anything you are not sure about before you take out the cover. If you don't like what they say or they won't amend the cover, then move on to someone else.
Yes you do get what you pay for but more expensive doesn't necessarily mean better.
@B16 FYS - I would be interested to see whatever your gripe is/was about. Can you e-mail me? or seeing as you've posted on an open forum spill the beans and not leave us wondering......the abbreviated version will do
Edited by TonyB66 on Friday 1st October 03:08
I am going to go with Maning and their Allianz policy for two reasons - the first being that Admiral declare that for a car over three years old they may not fit original parts or properly source obsolete parts and the second being that Allianz say they will pay for repairs up to the market value of the car before writing it off. I suspect the writing off threshold is a lot lower for Admiral too and where the hell is anyone going to find a Zanzibar GT3Mk1 as a replacement anyway?
The other thing which sways me is the prospect of a better service if I ever need it and, of course, I can still drag the trackday wheels out of the shed, put some decent tyres on them and have some fun whilst insured to do so.
The other thing which sways me is the prospect of a better service if I ever need it and, of course, I can still drag the trackday wheels out of the shed, put some decent tyres on them and have some fun whilst insured to do so.
I've not had to claim yet, but overall I am reasonably happy with Admiral simply because they are competitive in terms of price (£650 for a group 20 car for me).
Two things of note, probably already mentioned:
- Avoid monthly payments. My premium would have gone from £650 to £950 if I spread the cost
- The multi policy discount only applies if you keep both cars at home. Might seem obvious to most, but not me. I just wanted some TPFT for my '5 whilst it was stored in a relatives garage but it was literally more expensive than the current fully comp cover.
Two things of note, probably already mentioned:
- Avoid monthly payments. My premium would have gone from £650 to £950 if I spread the cost
- The multi policy discount only applies if you keep both cars at home. Might seem obvious to most, but not me. I just wanted some TPFT for my '5 whilst it was stored in a relatives garage but it was literally more expensive than the current fully comp cover.
I had to make a £5000 claim with Admiral and the experience was first rate.
You can have the work done at the body shop of your choice, as long as they are official. don't understand the previous post about admiral only using their own, they will ask you of course but you do get a choice.
Carl_Docklands said:
I had to make a £5000 claim with Admiral and the experience was first rate.
You can have the work done at the body shop of your choice, as long as they are official. don't understand the previous post about admiral only using their own, they will ask you of course but you do get a choice.
My experience was the same as above.You can have the work done at the body shop of your choice, as long as they are official. don't understand the previous post about admiral only using their own, they will ask you of course but you do get a choice.
Was loaned a merc while my car was fixed no problems whatsoever.
They will cane you come renewal as any claim (no matter whose fault) makes you a target for increased premiums.
Carl_Docklands said:
I had to make a £5000 claim with Admiral and the experience was first rate.
You can have the work done at the body shop of your choice, as long as they are official. don't understand the previous post about admiral only using their own, they will ask you of course but you do get a choice.
Sounds similar to my experience as I posted ealier. My claim was £9000 for a new front-end on a 996 Carrera (worth about 25k at the time). You can have the work done at the body shop of your choice, as long as they are official. don't understand the previous post about admiral only using their own, they will ask you of course but you do get a choice.
As for all the exclusions/market value etc they repeat that several times when they give you a quote.
A friend of mine (actually her daughter) recently bought a car after just passing her test. A week after getting insurance through Admiral she was involved in an accident. Seeing where the damage was on her car and knowing the road layout I worked out that the person that hit her must have been on the right side of the road which of course in this country is the wrong side. The other driver miraculously produced an 'independent' witness but I smelled a rat so emailed Admiral of my concerns asking them to at least investigate before passing judgement. Sadly they took no notice and informed my friend's daughter that they were blaming her for the crash as they were taking the word of the 'independent' witness. Her car after examination was written off and had cost nearly £2000 to buy. Even private sales were in the £1700 - £1800 region (of the same condition, year etc). Sadly Admiral only offered her £750 plus her old car as payment and that is after she had argued with them about the £600 she had originally been offered. I think this is a very mean derisory offer and certainly won't be touching Admiral with a barge-pole if I ever decide to change from Saga that is. I certainly won't be recommending these robdogs to anyone else anyway.
We have 3 cars insured with Admiral, including my GT3.
They were faultless when my wife's car was written off last year.
They charged a moderate premium increase when I increased the declared 'market value' of my GT3 to £165k for the recent renewal, which should make things easier in the event of me having to make a major claim.
They were faultless when my wife's car was written off last year.
They charged a moderate premium increase when I increased the declared 'market value' of my GT3 to £165k for the recent renewal, which should make things easier in the event of me having to make a major claim.
sidicks said:
They were faultless when my wife's car was written off last year.
Similar experience here: wife's car involved in large claim, no other vehicle involved. I wanted all repair work to be carried out at the local main dealer.Admiral simply could not have handled the case better or more professionally. There was never the slightest issue with me getting the work done where I wanted. The claim was settled quickly & efficiently, no hassle.
I'll continue to use them going forward.
I think most insurance policies are there to protect against large claim or total loss. I'm with Admiral as they are the cheapest. However, I'm moving over to Aviva this year due to their online management system, thereby eliminating the administration charges when you have to make changes to the policy, like adding named drivers.
Bought my 986, my 3 series which I was keeping was already insured with them. They offered to stop the 3 series policy, and then start a new "multicar" style policy. I agreed.
Turns out a few months later they helped themselves to my bank account to auto renew the 3 series policy. Yes, the old policy from before I bought he 986, that a) should have been cancelled and refunded anyway and b) I had expressly told them NEVER to auto renew anyway. Their derisory £20 compensation offer for their colossal fk up probably didn't even cover the costs of 0871 calls to their offshore call centre to sort their whole sorry mess out.
They then had the cheek to ask for a £20 admin fee to cover the paperwork change when I put a private plate on the 986 with less than a month to run before the policy end date anyway.
Bunch of idiots. I have just moved both cars to A plan where I saved some cash, got to speak to the same person in a small office on a UK geo number three times, and can give me an agreed value on the 986.
Turns out a few months later they helped themselves to my bank account to auto renew the 3 series policy. Yes, the old policy from before I bought he 986, that a) should have been cancelled and refunded anyway and b) I had expressly told them NEVER to auto renew anyway. Their derisory £20 compensation offer for their colossal f
k up probably didn't even cover the costs of 0871 calls to their offshore call centre to sort their whole sorry mess out. They then had the cheek to ask for a £20 admin fee to cover the paperwork change when I put a private plate on the 986 with less than a month to run before the policy end date anyway.
Bunch of idiots. I have just moved both cars to A plan where I saved some cash, got to speak to the same person in a small office on a UK geo number three times, and can give me an agreed value on the 986.
Hard-Drive said:
Bought my 986, my 3 series which I was keeping was already insured with them. They offered to stop the 3 series policy, and then start a new "multicar" style policy. I agreed.
Turns out a few months later they helped themselves to my bank account to auto renew the 3 series policy. Yes, the old policy from before I bought he 986, that a) should have been cancelled and refunded anyway and b) I had expressly told them NEVER to auto renew anyway. Their derisory £20 compensation offer for their colossal fk up probably didn't even cover the costs of 0871 calls to their offshore call centre to sort their whole sorry mess out.
They then had the cheek to ask for a £20 admin fee to cover the paperwork change when I put a private plate on the 986 with less than a month to run before the policy end date anyway.
Bunch of idiots. I have just moved both cars to A plan where I saved some cash, got to speak to the same person in a small office on a UK geo number three times, and can give me an agreed value on the 986.
Which part of 'admin fee' are you struggling with?Turns out a few months later they helped themselves to my bank account to auto renew the 3 series policy. Yes, the old policy from before I bought he 986, that a) should have been cancelled and refunded anyway and b) I had expressly told them NEVER to auto renew anyway. Their derisory £20 compensation offer for their colossal f
k up probably didn't even cover the costs of 0871 calls to their offshore call centre to sort their whole sorry mess out. They then had the cheek to ask for a £20 admin fee to cover the paperwork change when I put a private plate on the 986 with less than a month to run before the policy end date anyway.
Bunch of idiots. I have just moved both cars to A plan where I saved some cash, got to speak to the same person in a small office on a UK geo number three times, and can give me an agreed value on the 986.
sidicks said:
Which part of 'admin fee' are you struggling with?
Well, in my mind, if you colossally cock up from a customer service point of view, I dunno, by perhaps forgetting to cancel a customer's insurance policy, forgetting to issue a refund, and then renewing a policy which is the actually the second one in force from the same company on the same car, you might, just might, decide in the interests of customer service, to not be so fast to slap on a £20 fee for running a single piece of A4 off a printer and sticking it an envelope, when it's only got 3 weeks left to go anyway. Bit like the way I didn't charge them a £20 admin fee for sitting on several hundred quid of mine for a few months. Which bit of "in the interests of customer service" are you struggling with? Because you're struggling with it more than they are, as they said "fair enough...we'll waive it" when I pointed out the error of their ways.
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