Multi-car insurance / Admiral

[MattM135i]

I was looking at getting a second car as a runabout so I have been looking at a separate policy as it will be stored elsewhere. The customer service team at Admiral suggested multi-car and said I could have one car in storage and the other on my driveway. However, their website stipulates the cars need to be at the same address to qualify for multi-car.

Does anyone have a similar set up to this? Can I have two cars at two different addresses?

I just don't want to buy it under multi-car and then get stung when I change the address after. Any help would be appreciated!

[Fresh Air Ian]

Best to phone them. After lots of pushing I got a good deal from them. Not same scenario as you though.

They price each car individually.

[Somebody]

I had 2 cars at different addresses on Admiral multicar insurance. Changed back to same address for both at renewal, which lowered the risk and therefore the premium.

[catfood12]

It's defo single address I looked into it in detail. I have the below multicar, renewal is less than £1K for all three. On occasion when I have had to call them there has always been an astonished intake of breath at what's covered.

[adamfawsitt]

catfood12 said:

It's defo single address I looked into it in detail. I have the below multicar, renewal is less than £1K for all three. On occasion when I have had to call them there has always been an astonished intake of breath at what's covered.

I have an F12, Urus and Taycan with them - can I ask you:

1. Did you bother listing all your options (I didn’t)
2. Do you have active trackers (I don’t)

They seem to be incredible value on exotica.

[catfood12]

adamfawsitt said:

I have an F12, Urus and Taycan with them - can I ask you:

1. Did you bother listing all your options (I didn’t)
2. Do you have active trackers (I don’t)

They seem to be incredible value on exotica.

No specific options stated, just vehicle value. I've had the Cayenne from new, with genuine £30K of options, so value insured is higher than a low optioned one.
Trackers on all three as required, lifetime subscriptions, i.e. the Murcielago had a Tracker Tracker 15 years ago when I bought it, with lifetime subscription. All have business use, Lambo & FF are garaged/limited mileage etc.

Admiral are very good value on this sort of stuff. The Lambo premium is something like £250!

[adamfawsitt]

Thanks. Need to check my tracker situation as the F12 doesn’t have one and from what you are saying maybe I misunderstood Admiral when they said it didn’t need one.

Enjoy your cars!

[LooneyTunes]

catfood12 said:

No specific options stated, just vehicle value. I've had the Cayenne from new, with genuine £30K of options, so value insured is higher than a low optioned one.
Trackers on all three as required, lifetime subscriptions, i.e. the Murcielago had a Tracker Tracker 15 years ago when I bought it, with lifetime subscription. All have business use, Lambo & FF are garaged/limited mileage etc.

Admiral are very good value on this sort of stuff. The Lambo premium is something like £250!

Have they given up treating options as needing to be declared? It was one of the things that always put me off them...

I’d like a multi car policy but always struggle to get the vehicles priced competitively as a package (each time I’ve looked there have always been one or two that either can’t be included or have prices attached that are a multiple of what they run at separately).

[tomsugden]

adamfawsitt said:

1. Did you bother listing all your options (I didn’t)

Admiral tried very hard to get out of paying me when our house was broken into at night, and my Audi S1 was stolen. Firstly they checked that all my endorsements on my license were correctly declared by making me and my wife do an interview with DVLA. Next they asked what my last 3 journeys were, one of which was a journey to York and back for work. They leapt on that until I pointed out the car was insured for business use. Their final stunt was saying I hadn't declared all the modifications on my car. I said it didn't have any, and it had rolled out of the factory like that. They still tried to insist I should've declared the seats, Bose hifi, flat bottomed steering wheel, you name it. I pointed out that I bought the car as an approved used Audi, and how was I supposed to know what options somebody else had ticked, but anyway the value of the vehicle I had declared was more than a brand new S1. It was only when I wanted to involve regulators that they backed down. Personally I'd rather st in my hands and clap than ever give admiral or any of their subsidieries a single penny.

TLDR - always declare options. I hate admiral.

[CS Garth]

Legally I don’t think they’ve got a leg to stand on here.

It would be very simple to change the wording of their up front questions to “do the vehicles have modifications, and note we include options as modifications” but they obviously haven’t for a reason.

[adamfawsitt]

Good news - no tracker required by Admiral