Admiral want proof that car is standard
Discussion
Z064life said:
Talk about not trusting your customers and treating them like crap.
I know the risks of not declaring mods and it is something that I would NEVER do. Oh well.
Just wondering if anyone has had something similar?
Annoying that when I brought the policy last week they were happy to take my money.
You're in your right to cancel period, who's going to pay for the time for this inspection?I know the risks of not declaring mods and it is something that I would NEVER do. Oh well.
Just wondering if anyone has had something similar?
Annoying that when I brought the policy last week they were happy to take my money.
I had a similar thing with Admiral a few years ago - a snotty letter through the post advising they would be taking an additional payment for a policy I’d already taken out as apparently my car was non-standard and I hadn’t declared it to them.
They’d obviously been digging through my policy history as yes it hand been modded and appropriately declared previously when I used the car for track days (changed the drivers seat) but after swapping to using a dedicated track car I returned my everyday car back to normal for road use. A stroppy phone call to them nipped it in the bud, but cheeky b
ds!
They’d obviously been digging through my policy history as yes it hand been modded and appropriately declared previously when I used the car for track days (changed the drivers seat) but after swapping to using a dedicated track car I returned my everyday car back to normal for road use. A stroppy phone call to them nipped it in the bud, but cheeky b
ds!KingNothing said:
I'd cancel and find a better insurance company
^^This, when I insured the 540 (not with Admiral) I had a phonecall every other day saying that they needed a photo of this or proof of that, it got to the point that if I'd had one more phonecall I was going to tell them to do one! When I insured the Mondeo on the other hand (with LV) last year I didn't even get asked for proof of my NCD.
I'm sure insurance companies make it up as they're going along these days.
Had huge argument when i bought a 9 year old car asked what optional extras it had. I told him how would I know, I didn't buy the car new. So he just kept repeating "when you find out the options please update us". I just said I'd never know. Went on like this in circles for a few minutes. Insured with them till last year, now moved to Aviva.
If you get through to a UK call centre with Admiral they were much better. The latter definitely seemed to make stuff up as they went along.
If you get through to a UK call centre with Admiral they were much better. The latter definitely seemed to make stuff up as they went along.
Edited by shost on Saturday 24th February 22:55
Z064life said:
Yeah I only really went with them for the price and intend to keep the car standard while with them (a year).
Ultimately a supercar needs a supercar policy with a specialist insurer, like the majority of owners do.
Problem is, the specialists aren't giving competitive quotes either. So I may just have to accept the jump in cost.
Given the amount of money you've spent on the car, you should be researching for a policy based not so much on price (although that should always be a consideration) but more on the insurer's reputation for dealing with claims fairly. You don't want to spend £80k on a new car and end up with an insurer who is going to argue the toss and nickel & dime you should you have to make a claim.Ultimately a supercar needs a supercar policy with a specialist insurer, like the majority of owners do.
Problem is, the specialists aren't giving competitive quotes either. So I may just have to accept the jump in cost.
Suggest you seek recommentations / feedback on any of the UK GTR forums
Not quite the same level of grief but I was questioned on taking out a policy if my car was standard. The reason being I'd had a play with the quotes to see what effect various tuning would have. I had quite a play with various options to see what made a difference and what didn't.
Turned out that just a remap added a *lot* to the premium (probably because on my car it adds 22% more power!) and while adding even more modifications eventually dropped it back down again it really wasn't worth it as I'd be spending thousands to save a few hundred. So when it came to actually take out a policy I insured it as standard because it was and then got the Spanish inquisition as to if it was really standard!
Turned out that just a remap added a *lot* to the premium (probably because on my car it adds 22% more power!) and while adding even more modifications eventually dropped it back down again it really wasn't worth it as I'd be spending thousands to save a few hundred. So when it came to actually take out a policy I insured it as standard because it was and then got the Spanish inquisition as to if it was really standard!
shost said:
Had huge argument when i bought a 9 year old car asked what optional extras it had. I told him how would I know, I didn't buy the car new. So he just kept repeating "when you find out the options please update us". I just said I'd never know. Went on like this in circles for a few minutes. Insured with them till last year, now moved to Aviva.
If you get through to a UK call centre with Admiral they were much better. The latter definitely seemed to make stuff up as they went along.
iIf you get through to a UK call centre with Admiral they were much better. The latter definitely seemed to make stuff up as they went along.
Edited by shost on Saturday 24th February 22:55
I have some multicar cover with a naval named insurer.
When we initially set it up, they merely asked if the cars were modified.
They were not.
About ten months later, I changed the dull car for another dull car. At this point they asked if it had any optional extras.
This piqued my interest as something I’d not been asked before. So I asked how I would know, given it was a second hand buy and I hadn’t spec’d it.
They didn’t have an answer.
2 months later the policy renewed, and so when we came to the slightly more interesting car I offered the chassis number, so they’d be very clear what they were insuring.
“No sir, we need every option that the car has”
Again, how would I know?
“Well, ask Mercedes-Benz”
I have no relationship with them.
As it happened, the wonders of the internet and a chassis number gets you a build sheet.
So I asked where I should email it.
“No, just read it out to me”
Ok then.
At page 2 of build codes they said it was fine.
I insisted on reading the full 5 pages of arcane codes to them. In the interests of full disclosure.
No premium change.
I suspect it’s an excuse to underpay total loss claims.
If they want to play silly b
ds, I’m game. corozin said:
Given the amount of money you've spent on the car, you should be researching for a policy based not so much on price (although that should always be a consideration) but more on the insurer's reputation for dealing with claims fairly. You don't want to spend £80k on a new car and end up with an insurer who is going to argue the toss and nickel & dime you should you have to make a claim.
Suggest you seek recommentations / feedback on any of the UK GTR forums
I'm contacting brokers again, now with a car in my ownership so experience of it to help and aid me.Suggest you seek recommentations / feedback on any of the UK GTR forums
Just waiting to hear back.
TBH it feels like bullying from Admiral.
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