admiral or aviva
Discussion
sone said:
My only issue with Admiral is they count a driver awareness course as a conviction and up the charge accordingly.
I'm with Elephant and while they're in the same group of companies don't seem to care.
only if you tell them.I'm with Elephant and while they're in the same group of companies don't seem to care.
It's a confidential course, so f
k them and lie!though if you have the option for the same price, do go for the others on principal!
With big payouts insurance companies are always looking for ways not to pay. I had a large payout from Chubb following my 360 accident and they even contemplated suing me to get the money back at one point.
And don't think the specialist insurers are any better at claims handling as in my experience they aren't.
And don't think the specialist insurers are any better at claims handling as in my experience they aren't.
Fwiw, we went with Admiral for their multi-car policy and they asked about the speed awareness courses (they didn't the year before though). My wife has been on one and also has a standard three points but to honest the price was still pretty good. I'd be 100% honest and swallow the extra few quid as I'd never want to be in the position of fighting for a payout on a technicality.
Boxster S, MX5, 360 - cost in the eights for us. Previous separate costs were 500, 550, 250 respectively.
Boxster S, MX5, 360 - cost in the eights for us. Previous separate costs were 500, 550, 250 respectively.
Efbe said:
again, how can they possibly, legally find out with any certainty?!?
they can't. There is no proof. Proof cannot be gained because fundamentally it is a confidential course.
and because it is confidential, IMO morally you have the right to lie about it all you want.
I agree there is no way they could find out ATM but where it 'could' fall down however unlikely would be if a case were to go to court.......they can't. There is no proof. Proof cannot be gained because fundamentally it is a confidential course.
and because it is confidential, IMO morally you have the right to lie about it all you want.
Say someone was reckless and had a high speed accident. They are asked under oath if you have had any previous convictions or SAC's. What should they reply then? Would it still be a good idea to fib?
Back OT......OP I'm also with Admiral. There is a lot of talk about having to use their preferred repairer etc. I understand that you have a right to choose your repairer, you just have to do some leg work and may not get a coutesy car etc. I've done this is the past with other insurers.
You might get a haircut on a full loss without agreed value but that applies to most others and I don't see them being any different.
mike01606 said:
I agree there is no way they could find out ATM but where it 'could' fall down however unlikely would be if a case were to go to court.......
Say someone was reckless and had a high speed accident. They are asked under oath if you have had any previous convictions or SAC's. What should they reply then? Would it still be a good idea to fib?
Back OT......OP I'm also with Admiral. There is a lot of talk about having to use their preferred repairer etc. I understand that you have a right to choose your repairer, you just have to do some leg work and may not get a coutesy car etc. I've done this is the past with other insurers.
You might get a haircut on a full loss without agreed value but that applies to most others and I don't see them being any different.
mike agreed. though I don't know how confidentiality works with courts.Say someone was reckless and had a high speed accident. They are asked under oath if you have had any previous convictions or SAC's. What should they reply then? Would it still be a good idea to fib?
Back OT......OP I'm also with Admiral. There is a lot of talk about having to use their preferred repairer etc. I understand that you have a right to choose your repairer, you just have to do some leg work and may not get a coutesy car etc. I've done this is the past with other insurers.
You might get a haircut on a full loss without agreed value but that applies to most others and I don't see them being any different.
Kyodo said:
Fwiw, we went with Admiral for their multi-car policy and they asked about the speed awareness courses (they didn't the year before though). My wife has been on one and also has a standard three points but to honest the price was still pretty good. I'd be 100% honest and swallow the extra few quid as I'd never want to be in the position of fighting for a payout on a technicality.
Boxster S, MX5, 360 - cost in the eights for us. Previous separate costs were 500, 550, 250 respectively.
now this is on her record and is no-longer confidential though.Boxster S, MX5, 360 - cost in the eights for us. Previous separate costs were 500, 550, 250 respectively.
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