What does this Admiral clause mean...
Discussion
ZOLLAR said:
akirk said:
don't want the thread to go too far off topic... 
but my lease car, covered with Admiral came with DOC automatically - so there may be some exceptions...
When did your policy last start/renew as it's a fairly new change.but my lease car, covered with Admiral came with DOC automatically - so there may be some exceptions...
Picked up my new lease car on Friday 22nd May (less than a week ago). New Admiral policy for same day and I still have DOC, which is good as I occasionally borrow parents car for towing.
RB Will said:
ZOLLAR said:
akirk said:
don't want the thread to go too far off topic...
but my lease car, covered with Admiral came with DOC automatically - so there may be some exceptions...
When did your policy last start/renew as it's a fairly new change.but my lease car, covered with Admiral came with DOC automatically - so there may be some exceptions...
Picked up my new lease car on Friday 22nd May (less than a week ago). New Admiral policy for same day and I still have DOC, which is good as I occasionally borrow parents car for towing.
No what the reason for the change was the cover isn't particularly relevant to my role.
I'm going to have to ring them I think.
Checked all the docs I can online and nowhere mentions registered keeper/ owner. I did tell the lady on the phone that the owner was Volkwagen Financial and that it was a lease car.
I'm wondering if its been confused with a multicar policy as I also have my old Audi covered on a temp policy with them for 3 weeks while I try to sell it.
only one car is mentioned on each certificate though.
Checked all the docs I can online and nowhere mentions registered keeper/ owner. I did tell the lady on the phone that the owner was Volkwagen Financial and that it was a lease car.
I'm wondering if its been confused with a multicar policy as I also have my old Audi covered on a temp policy with them for 3 weeks while I try to sell it.
only one car is mentioned on each certificate though.
BertBert said:
TwigtheWonderkid said:
OP, does your occupation involve the possible driving of any of those vehicles?
nope, why do you ask?Bert
But obviously I'm barking up the wrong tree.
ZOLLAR said:
RB Will said:
ZOLLAR said:
akirk said:
don't want the thread to go too far off topic...
but my lease car, covered with Admiral came with DOC automatically - so there may be some exceptions...
When did your policy last start/renew as it's a fairly new change.but my lease car, covered with Admiral came with DOC automatically - so there may be some exceptions...
Picked up my new lease car on Friday 22nd May (less than a week ago). New Admiral policy for same day and I still have DOC, which is good as I occasionally borrow parents car for towing.
No what the reason for the change was the cover isn't particularly relevant to my role.
have always had DOC, but then have also had multiple cars and as long as I have it on one policy I don't really care about the others...
so I spoke to a nice Welsh man at Admiral Towers who said that despite the online documents not saying I had DOC cover, I do in fact have it.
I asked about the discrepancy of the paperwork and he was going to check it and get it changed if it needed it (which it clearly does).
So the question is...is it enough to get verbal confirmation (accompanied by my contemporaneous notes) of DOC or should I not rely on that until the documents say so?
Bert
I asked about the discrepancy of the paperwork and he was going to check it and get it changed if it needed it (which it clearly does).
So the question is...is it enough to get verbal confirmation (accompanied by my contemporaneous notes) of DOC or should I not rely on that until the documents say so?
Bert
Strictly speaking you don't have DOC unless it's shown on your Certificate.
If it's not on your Certificate as far as the authorities are concerned you're not covered for it, however if Admiral have confirmed you're covered for it and you're stopped you may end up having the car impounded and / or the police commence no insurance procedure. But after a few calls you should be able to obtain confirmation from Admiral they were covering you.
The obvious answer is to ensure they issue a Certificate showing the DOC
If it's not on your Certificate as far as the authorities are concerned you're not covered for it, however if Admiral have confirmed you're covered for it and you're stopped you may end up having the car impounded and / or the police commence no insurance procedure. But after a few calls you should be able to obtain confirmation from Admiral they were covering you.
The obvious answer is to ensure they issue a Certificate showing the DOC
Obviously it's better to have the docs saying what they should.
But I think in terms of my agreement with Admiral, they can make agreements with me verbally.
Regarding a roadside stop, the car (someone elses driven by me under DOC cover) is unlikely to be a problem as it has to have its own insurance anyway (an Admiral condition) and in the absence of the docs which I don't carry, plod would have no reason to believe I was uninsured - they'd phone and get the same answer as me. Maybe!!
I'll chase the docs down
But I think in terms of my agreement with Admiral, they can make agreements with me verbally.
Regarding a roadside stop, the car (someone elses driven by me under DOC cover) is unlikely to be a problem as it has to have its own insurance anyway (an Admiral condition) and in the absence of the docs which I don't carry, plod would have no reason to believe I was uninsured - they'd phone and get the same answer as me. Maybe!!
I'll chase the docs down
BertBert said:
Obviously it's better to have the docs saying what they should.
But I think in terms of my agreement with Admiral, they can make agreements with me verbally.
Regarding a roadside stop, the car (someone elses driven by me under DOC cover) is unlikely to be a problem as it has to have its own insurance anyway (an Admiral condition) and in the absence of the docs which I don't carry, plod would have no reason to believe I was uninsured - they'd phone and get the same answer as me. Maybe!!
I'll chase the docs down
If the police stop you and ascertain it's not your car and you're not a driver on the vehicle they will normally believe you're not insured. If they call Admiral's MID desk (The dept that deals with calls from the police about MID queries) and your Certificate states you do not have DOC they will tell the police you don't have DOC.But I think in terms of my agreement with Admiral, they can make agreements with me verbally.
Regarding a roadside stop, the car (someone elses driven by me under DOC cover) is unlikely to be a problem as it has to have its own insurance anyway (an Admiral condition) and in the absence of the docs which I don't carry, plod would have no reason to believe I was uninsured - they'd phone and get the same answer as me. Maybe!!
I'll chase the docs down
If the person you spoke to remembered to make a note about your call they may tell the police there's been a mistake and you do in fact have DOC. If you've ever worked for an Insurer you'll know there's no guarantee they will have made a note.
The easiest way for all involved is to ensure you have a Certificate of Insurance stating you have DOC
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