Heads up: Admiral multi car policy.
Discussion
Tuscanless Ali said:
Blue Oval84 said:
Also, I have claimed from a driver insured through Admiral and they were excellent which is always reassuring!
That's good to hear 
V8mate said:
I used to have a car insured with Admiral. Wife's car came up for renewal with a different firm, so I called Admiral with a view to taking a multi-car policy with them. (Ahead of calling, I did a single car quote online with them for my wife's car)
The multi-car quote was higher than the two individual premiums and the call centre bloke said there wasn't a cash saving, the multi-car 'thing' was just to make it easy for people to have their whole group of cars come in for renewal on a single date each year.
For a majority the multicar does come in cheaper than single car quotes however single car quotes can come in lower, the reason is that on multicar there are a few questions not asked and a few that are different to the single car questions obviously this results in slightly different premiums.The multi-car quote was higher than the two individual premiums and the call centre bloke said there wasn't a cash saving, the multi-car 'thing' was just to make it easy for people to have their whole group of cars come in for renewal on a single date each year.
If you have an active multicar policy and you get lower single car quotes at renewal admiral will match the price so that you don't have to cancel and set up 2 single cars.
I'm not sure why he said there isn't a cash saving because you get a discount of the 1st car which is then removed off the amount quoted for the second car should you wish to take the policy out.
So do you have to insure all cars under the multi-car umbrella policy at the same time?
Example. We have two cars, my wife's and mine. We both drive each others cars.
My policy is due for renewal, but my wife's isn't due till June.
Do I have to cancel the wife's policy, or can I add it to the multi car policy later on?
Example. We have two cars, my wife's and mine. We both drive each others cars.
My policy is due for renewal, but my wife's isn't due till June.
Do I have to cancel the wife's policy, or can I add it to the multi car policy later on?
Dr Doofenshmirtz said:
So do you have to insure all cars under the multi-car umbrella policy at the same time?
Example. We have two cars, my wife's and mine. We both drive each others cars.
My policy is due for renewal, but my wife's isn't due till June.
Do I have to cancel the wife's policy, or can I add it to the multi car policy later on?
You can add her car at a later date Example. We have two cars, my wife's and mine. We both drive each others cars.
My policy is due for renewal, but my wife's isn't due till June.
Do I have to cancel the wife's policy, or can I add it to the multi car policy later on?
Milky Joe said:
Had a multicar policy for two years and was by far the cheapest, however, this year despite no extra / adverse risk they weren't competitive and wouldn't match other quotes.
Sorry to hear that, although none of your details have changed the claimed statistics etc may have shown an increase in risk meaning the price would increase too.Hopefully though it'll be competative in the future
I don't understand Multicar, never have and never will.
Here's the quote I get for my 2 cars:
ASTON MART VANTAGE V8 CABRIOLET
Price for 365 days cover: £1860.64
MINI COOPER S ALL4 COUNTRYMA
Price for 365 days cover: £793.07
Toal, £2654
The 2 cars are insured separately on Admiral Single Car policies for the same mileages, same named drivers, same distribution of NCB yet individual prices are £1600 (£260 less) and £680 (£115 less). Why would I want to pay £375 more a year for this privilege or is their calculator just stupid?
Here's the quote I get for my 2 cars:
ASTON MART VANTAGE V8 CABRIOLET
Price for 365 days cover: £1860.64
MINI COOPER S ALL4 COUNTRYMA
Price for 365 days cover: £793.07
Toal, £2654
The 2 cars are insured separately on Admiral Single Car policies for the same mileages, same named drivers, same distribution of NCB yet individual prices are £1600 (£260 less) and £680 (£115 less). Why would I want to pay £375 more a year for this privilege or is their calculator just stupid?
Zollar,
What's the deal with the personal injury cover on a multi-car policy? I just had the misfortune of listening to a guy giving me the hard sell on it and he was so pushy that I almost hung up the 'phone on him. He interrupted me, question my decisions on more than one occasion and generally became less helpful when I told him that his determination to sell me something was verging on the offensive.
If it wasn't for the c£300 saving on the policy I would have immediately went elsewhere.
Rant over....Sorry!
BTW, adding my parents used to bring my policy prices down, but this year removing them resulted in a big saving, even though they have extra NCB etc. Strange. Do older drivers start to become more of a risk as they approach a certain age?
What's the deal with the personal injury cover on a multi-car policy? I just had the misfortune of listening to a guy giving me the hard sell on it and he was so pushy that I almost hung up the 'phone on him. He interrupted me, question my decisions on more than one occasion and generally became less helpful when I told him that his determination to sell me something was verging on the offensive.
If it wasn't for the c£300 saving on the policy I would have immediately went elsewhere.
Rant over....Sorry!
BTW, adding my parents used to bring my policy prices down, but this year removing them resulted in a big saving, even though they have extra NCB etc. Strange. Do older drivers start to become more of a risk as they approach a certain age?
irodger said:
Zollar,
What's the deal with the personal injury cover on a multi-car policy? I just had the misfortune of listening to a guy giving me the hard sell on it and he was so pushy that I almost hung up the 'phone on him. He interrupted me, question my decisions on more than one occasion and generally became less helpful when I told him that his determination to sell me something was verging on the offensive.
If it wasn't for the c£300 saving on the policy I would have immediately went elsewhere.
Rant over....Sorry!
BTW, adding my parents used to bring my policy prices down, but this year removing them resulted in a big saving, even though they have extra NCB etc. Strange. Do older drivers start to become more of a risk as they approach a certain age?
No need to be sorry Irodger, when offering upgrades we are told not to be pushy just to offer it explaim the benefits and if they decline move on.What's the deal with the personal injury cover on a multi-car policy? I just had the misfortune of listening to a guy giving me the hard sell on it and he was so pushy that I almost hung up the 'phone on him. He interrupted me, question my decisions on more than one occasion and generally became less helpful when I told him that his determination to sell me something was verging on the offensive.
If it wasn't for the c£300 saving on the policy I would have immediately went elsewhere.
Rant over....Sorry!
BTW, adding my parents used to bring my policy prices down, but this year removing them resulted in a big saving, even though they have extra NCB etc. Strange. Do older drivers start to become more of a risk as they approach a certain age?
As with all financial companies there will be hard sellers unfortunately it seems you dealt with.
With regards to removing the older drivers, yes in some circumstances as you become older you can be a higher risk but as with all quotes it'll vary per insurer.
ZOLLAR said:
irodger said:
Zollar,
What's the deal with the personal injury cover on a multi-car policy? I just had the misfortune of listening to a guy giving me the hard sell on it and he was so pushy that I almost hung up the 'phone on him. He interrupted me, question my decisions on more than one occasion and generally became less helpful when I told him that his determination to sell me something was verging on the offensive.
If it wasn't for the c£300 saving on the policy I would have immediately went elsewhere.
Rant over....Sorry!
BTW, adding my parents used to bring my policy prices down, but this year removing them resulted in a big saving, even though they have extra NCB etc. Strange. Do older drivers start to become more of a risk as they approach a certain age?
No need to be sorry Irodger, when offering upgrades we are told not to be pushy just to offer it explaim the benefits and if they decline move on.What's the deal with the personal injury cover on a multi-car policy? I just had the misfortune of listening to a guy giving me the hard sell on it and he was so pushy that I almost hung up the 'phone on him. He interrupted me, question my decisions on more than one occasion and generally became less helpful when I told him that his determination to sell me something was verging on the offensive.
If it wasn't for the c£300 saving on the policy I would have immediately went elsewhere.
Rant over....Sorry!
BTW, adding my parents used to bring my policy prices down, but this year removing them resulted in a big saving, even though they have extra NCB etc. Strange. Do older drivers start to become more of a risk as they approach a certain age?
As with all financial companies there will be hard sellers unfortunately it seems you dealt with.
With regards to removing the older drivers, yes in some circumstances as you become older you can be a higher risk but as with all quotes it'll vary per insurer.
I know that not all advisors are the same and treat each one from the start as though they are sound. It's up to them to annoy me, which in turn I'd imagine, would lose them custom if it was repeated regularly.
Maybe we are just not used to the hard sell in the UK yet, but in a few years it will be commonplace!
Anyways, great price again from Admiral, both cars insured for less than the 5th lowest price on a comparison site for the MR2 on its own!
V8mate said:
While we're having an 'ask the man in the know' session, what's Admiral's appetite for modified cars? Didn't like my experience with the 'PH partner' company last year when insuring my track-day car and have used Admiral regularly for other cars.
Unfortunately admiral doesn't cover cars on track days ( i've always thought there may be a niche market for it TBH).With regards to modified cars could you be more specific?, we do cover things like chips, bodykits etc but when you get to the more serious stuff it tends to be a decline.
There are probably a few better insurers for medium to heavy modified cars who would pay out for mods and would have a better understanding of your needs.
HTH
The wife insures our Mk2 1.3 Astra and her 1.2 Nova with Admiral. Neither are fireballs in the performance arena, but both are modified: lowered, alloys (Vauxhall ones, but still not original fit), they both have enormous brakes and different exhausts. Admiral were significantly cheaper than most places as she had a bump about 3 years ago. She also gets cover to drive other cars and I'm a named driver (not that it matters, I have other cars extension on both my policies). They also allowed her to add a 1.6 Corsa Sport I bought as a bit of project, mid-term, for only £80.
They couldn't quite match HIC for me on my Mk4 Astra SRI and my Astra GTE 16V (both unmodified) but they weren't that far off.
So overall pretty good for some, handy if you have a modified car.
They couldn't quite match HIC for me on my Mk4 Astra SRI and my Astra GTE 16V (both unmodified) but they weren't that far off.
So overall pretty good for some, handy if you have a modified car.
Astra Dan said:
...and I'm a named driver (not that it matters, I have other cars extension on both my policies).
Do you realise that the other car extension is 3rd party only, whereas named driver gives you fully comp cover (assuming the policy is fully comp, of course)?Also, some companies don't allow DOC cover to be used on cars registered to the same household, although that's a bit irrelevant now we have the requirment for continuous insurance.
Zollar, hope you can help with this!
I'm having a bit of trouble getting to the bottom of what I can do with adding my second car to my parent's policy.
The first girl that I spoke to offered to mirror my 5 year's NCB if I insured a second car with them. She also added my parent's (it's their policy) as drivers on my car. The quote was very competitive but she hadn't changed to my address, she said she would change it over and call back 15 mins later.
I didn't hear from her so rang back today and the second person that I spoke to said that they can only mirror my NCB if I'm a sole driver, they won't allow me to add my parents to my car, even though it's their policy!
Could you confirm a couple of things for me:-
Hope you can help de-mystify it for me!
EDIT - To clarify as I've realised that my post is a bit long!
Perhaps I should consider using Admiral to insure the Z4 with my actual NCB and asking other insurance companies if they will mirror my NCB on my runabout?
I'm having a bit of trouble getting to the bottom of what I can do with adding my second car to my parent's policy.
The first girl that I spoke to offered to mirror my 5 year's NCB if I insured a second car with them. She also added my parent's (it's their policy) as drivers on my car. The quote was very competitive but she hadn't changed to my address, she said she would change it over and call back 15 mins later.
I didn't hear from her so rang back today and the second person that I spoke to said that they can only mirror my NCB if I'm a sole driver, they won't allow me to add my parents to my car, even though it's their policy!
Could you confirm a couple of things for me:-
- Is it true that if I get mirrored NCB then I can be the only driver on the car?
- The car I'm looking at adding is lower grouped than my Z4, in an ideal world I would add the Z4 to the multicar with mirrored NCB and insure my second (lower grouped) car elsewhere with my actual NCB. The girl I spoke to said she wouldn't allow me to do that, is this right?
Hope you can help de-mystify it for me!
EDIT - To clarify as I've realised that my post is a bit long!
- My parents and brother have 4 cars insured with Admiral.
- I currently live at a different address and have a Z4 insured elsewhere with 5 years NCB.
- I want to get a second car and come up with the cheapest insurance solution, I don't mind which way around they're insured (Z4 on Admiral or elsewhere).
Perhaps I should consider using Admiral to insure the Z4 with my actual NCB and asking other insurance companies if they will mirror my NCB on my runabout?
Edited by Blue Oval84 on Saturday 26th February 17:33
They've got 4 on there now.
I have one car that is insured elsewhere with 5 years NCB (when I took out my policy it wasn't possible to insure at a different address under Multi-Car)
I want to buy a second car and then find the cheapest solution, the biggest obstacle is that I will only have one set of NCB but two cars.
I thought-
I have one car that is insured elsewhere with 5 years NCB (when I took out my policy it wasn't possible to insure at a different address under Multi-Car)
I want to buy a second car and then find the cheapest solution, the biggest obstacle is that I will only have one set of NCB but two cars.
I thought-
- Insure the 2nd car on parent's multicar - Leave the Z4 insured myself elsewhere
- Insure my Z4 on mutilcar - insure the 2nd car elsewhere
- Setup my own multicar - too expensive at £2200 due to only one set of NCB - would they let me mirror my NCB if I did this?
Blue Oval84 said:
I thought-
Option 3 is the best bet as you should be able to mirror the NCB you don't have to be sole user just the main user of the 2 cars.- Insure the 2nd car on parent's multicar - Leave the Z4 insured myself elsewhere
- Insure my Z4 on mutilcar - insure the 2nd car elsewhere
- Setup my own multicar - too expensive at £2200 due to only one set of NCB - would they let me mirror my NCB if I did this?
One other option I thought of in case a multicar for the 2 cars on their own is too expensive is to ask if they can add the Z4 onto the multicar taking the policy to a maximum of the 5 cars and ask if they could mirror the NCB onto a separate single car policy, now I haven't seen this done before but theoretically there is nothing to say it can't be done but it would involve you getting an agreement from the new business department to do it ask the person on the phone to ask a manager to auth it.
HTH
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