Admiral multi car insurance don't make changes to policy!

[Neptune300]

Insurance companies, I love them...
I'm 51 never made a claim so max NCB, clean license no points.
May 19th this year I took out Admiral multi car insurance for my 2006 E60 M5 value £22k and my runaround 2006 Megane deisel value £3k.
Cost for both full comp with protected NCB total £695 (£465 M5 & £230 Renault)

Circumstances have changed recently so needed to sort my car life out.

Two weeks ago 24th Aug I px'd the M5 for a 2010 X5 3.0d m sport at Rybrook.

Phoned Admiral India to change policy, expected small rebait.... No an extra £165 to them for the remaining 9 months of the policy (their reason X5 worth £8k more than M5 although lower group) Total paid out so far a shocking £860.

Tonight sold the Megane. Phoned Admiral to cancel the Megane part of the policy. £39 refund!!
So to cover the Megane for just over 3 months £191.

Absolute jokers. I will never go near this company again.

[sebhaque]

This'll probably be scrubbed for N&S soon but I always found Admiral Multicar to be quite reasonable. Like all insurers they tried to shaft me come renewal time, but their "actual" prices are decent enough. My M6 costs about £600 fc to insure (I'm 23) and my previous 911 was actually a few quid cheaper. I change cars quite a lot and 9/10 times the cost has been very reasonable given my age - the only quote I wasn't happy with was £587 for a year to insure a Mazda 323 - which was very close to the quote on my-then 911.

[XAF]

Here's to a good flaming, but I've been with them on multicar for years, nobody else can touch them. Maybe I've just been lucky, but with the multiple cars, including some more expensive stuff, they've been brilliant. Just my 2p.

Guess some insurers a just don't 'like' the risk of some cars hence why the cost is so high.....

[cuprabob]

Most insurance companies these days charge you a stupid admin fee anytime you need to amend the policy, so it can be expensive to chop and change cars.

Also, on the rebate side of things it's always weughted in their favour, especially if you cancel after 6 months.

[lexusboy]

I recently took out a multicar policy (my car and GF car) with them and couldn't fault the process at all.

Got it £100 on both cars cheaper than going for separate policys

[nottyash]

It's because the "discount" you got wad added back on when you cancelled the 2nd car. If you want to change vehicles mid policy, DO NOT go with Admiral. I learnt this the hard way too.
They are not even competative for me anymore anyway.

[nottyash]

lexusboy said:

I recently took out a multicar policy (my car and GF car) with them and couldn't fault the process at all.

Got it £100 on both cars cheaper than going for separate policys

This means nothing. Great if you don't make changes, but standby for a bumming when you do.

[Deerfoot]

nottyash said:

If you want to change vehicles mid policy, DO NOT go with Admiral.

I've just done a vehicle change with Admiral 8 months in on a multicar policy. They charged me £16....

Thought that was quite reasonable to be honest.

[sleep envy]

Deerfoot said:

I've just done a vehicle change with Admiral 8 months in on a multicar policy. They charged me £16....

Thought that was quite reasonable to be honest.

And me, £70 to replace the A3 with the Golf.

[LFC856]

I know it's in the fine print but the admin fees some companies charge are silly. I recently cancelled my Admiral policy and they charged about £50 for the privilege, and RAC charged me £30 to amend their mistake on a previous policy. They eventually credited it back, but it took a month to sort.

[nottyash]

sleep envy said:

Deerfoot said:

I've just done a vehicle change with Admiral 8 months in on a multicar policy. They charged me £16....

Thought that was quite reasonable to be honest.

And me, £70 to replace the A3 with the Golf.

Multicar?

[lost in espace]

You can pay by direct debit over 9 months free of interest with Liverpool Victoria. I figure I just stop paying and they can't take a whacking great chunk of your money.

Actually its probably a good reason to pay in installments even if you get hit by big interest rates.

[sleep envy]

nottyash said:

sleep envy said:

Deerfoot said:

I've just done a vehicle change with Admiral 8 months in on a multicar policy. They charged me £16....

Thought that was quite reasonable to be honest.

And me, £70 to replace the A3 with the Golf.

Multicar?

Yup.

[lost in espace]

You can pay by direct debit over 9 months free of interest with Liverpool Victoria. I figure I just stop paying and they can't take a whacking great chunk of your money.

Actually its probably a good reason to pay in installments even if you get hit by big interest rates.

[Snowboy]

With two cars on the policy you would have had a discount on both cars.
When you cancelled the megane it became a single car policy, so you lost the discount on the other car which was taken out of the refund.

[lemonslap]

I changed my vehicles around after my Subaru Legacy Spec B was written off:

My Subaru Legacy Policy Transfered to Wifes Focus ST170, Wifes policy from Focus to Audi S4.

All ended up with a £50 saving.

Just don't phone them just after an you have had accident...

[Little Dave]

I insure my Cayman, the wifes Koleos and my 18yr old daughters Clio for under £1100 through Admiral. This is a multi car policy but we all have our own policy accruing individual NCB. A friend of mine sometimes borrows the Cayman and Admiral charge a very reasonable admin fee (c£30) to put him on the policy.

[TwigtheWonderkid]

Neptune300 said:

I'm 51 never made a claim so max NCB, clean license no points.

51 years old and can't spell licence

You entered into an annual contract. Then you renaged on the deal and wanted to change the contract, swapping one car for another car worth £8K more. Then you asked to alter the contract again, taking one car off altogether.

Supposing Admiral had rang you mid contract, and said "we want to alter the terms of the deal we've entered into, we want to increase your excess and restrict the mileage. What amount of premium do you want us to pay you to make these changes?"

I bet you would have thought "cheeky buggers, if they want to muck me about mid contract then I'm going to make them pay."

[scorcher]

lost in espace said:

You can pay by direct debit over 9 months free of interest with Liverpool Victoria. I figure I just stop paying and they can't take a whacking great chunk of your money.

Actually its probably a good reason to pay in installments even if you get hit by big interest rates.

If you pay for 6 months and then cancel you'll probably find you haven't paid them enough and they'll still want some more money off of you,and they'll just send the bailiffs around if your monthly payments haven't covered what you owe them.

[nottyash]

sleep envy said:

nottyash said:

sleep envy said:

Deerfoot said:

I've just done a vehicle change with Admiral 8 months in on a multicar policy. They charged me £16....

Thought that was quite reasonable to be honest.

And me, £70 to replace the A3 with the Golf.

Multicar?

Yup.

Intresting.
I had to go through complaints, after no joy speaking to Indians I was put through to a Welsh lad in the U K who sorted out the problems.
Maybe it was because I was insuring jap imports, and M3s, not sure but its something to think about before you insure Multicar if you change cars.