Admiral want proof that car is standard
Discussion
jamoor said:
Why not just find another insurance company?
I'd never use them on any of my personal cars.
I will be - next year.I'd never use them on any of my personal cars.
I will just give them what they want, the inspection is a good thing anyway as I was going to do it anyway (only had the car a week).
Anyone got any suggestions for brokers? I've contacted the usual suspects like Keith Michaeals, Adrian Flux, A Plan, Pace Ward, etc.
The aforementioned naval-themed insurance company are a bunch of slithery wossnames in all manner of areas.
In the event of a total loss, they will only pay out for the value of a base car, not for any factory-fit optional extras (which, as others have said, is a nightmare for old used cars). If you declare mods, the value of the mods is not covered - again, they will only pay out for the value of an unmodified unoptioned car.
They will also load your premium for having been sent on a Speed Awareness Course as if it were a speeding conviction. They are the only insurance company to do this, to my knowledge.
Bear in mind they have several brands, not just the naval-themed one.
In the event of a total loss, they will only pay out for the value of a base car, not for any factory-fit optional extras (which, as others have said, is a nightmare for old used cars). If you declare mods, the value of the mods is not covered - again, they will only pay out for the value of an unmodified unoptioned car.
They will also load your premium for having been sent on a Speed Awareness Course as if it were a speeding conviction. They are the only insurance company to do this, to my knowledge.
Bear in mind they have several brands, not just the naval-themed one.
Edited by Clockwork Cupcake on Sunday 25th February 00:34
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.
But why would you need a supercar policy on a nissan?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.
Z064life said:
I will be - next year.
I will just give them what they want, the inspection is a good thing anyway as I was going to do it anyway (only had the car a week).
Anyone got any suggestions for brokers? I've contacted the usual suspects like Keith Michaeals, Adrian Flux, A Plan, Pace Ward, etc.
Why not this year, they're causing you so many problems right now I've no doubt if the worst happens they will be just as bad.I will just give them what they want, the inspection is a good thing anyway as I was going to do it anyway (only had the car a week).
Anyone got any suggestions for brokers? I've contacted the usual suspects like Keith Michaeals, Adrian Flux, A Plan, Pace Ward, etc.
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.
What an earth do they need to know that for??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
You think Admiral are bad now, just wait until your car is stolen:
https://www.pistonheads.com/gassing/topic.asp?h=0&...
https://www.pistonheads.com/gassing/topic.asp?h=0&...
hyphen said:
As below, they dig through the precious quotes/policy on the car looking for a way to charge more.
It's called quote manipulation.You'd be surprised at the amount of times when it comes to claiming & the engineer's report comes back, that there are all sorts of undeclared mods.
Some insurer's don't cover mods.
Your insurer will ask if the car is standard at policy inception & then to declare any future modifications. Is it really their fault if you've lied?
If you want to be covered for them, then declare them. If you've put in exploratory quotes then you've nothing to worry about.
I agree - if telling the truth is too much like hard work, then deny the insurer your business. I'm sure it'll teach 'em.
I had a similar issue with Admiral a few years ago when I got a quote for my 106 Rallye and looked at the price for a modified exhaust. At the time, the car had a standard exhaust but I'd checked the price of the upgrade on the online form. It only worked out at about £30, so I left it off and planned to amend the policy later in the year when I was ready to change the exhaust.
A few weeks later I got an email from Admiral saying that they had charged me for the exhaust which they considered an undeclared modification. I queried the charge and they said they had assumed the car was modified since I had asked for a quote for a modified exhaust. Since the price they charged was less than the £30 they initially offered, I was down at a fabricator the next week having a new exhaust made up since they'd already taken their fee for it!
A few weeks later I got an email from Admiral saying that they had charged me for the exhaust which they considered an undeclared modification. I queried the charge and they said they had assumed the car was modified since I had asked for a quote for a modified exhaust. Since the price they charged was less than the £30 they initially offered, I was down at a fabricator the next week having a new exhaust made up since they'd already taken their fee for it!
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.
What supercar are we talking about. ?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.
Beware the dreaded STANDARD PARTS REPLACEMENT CLAUSE (SPRC) with The Admiral Group.
You get a quote and state that you have 20" aftermarket alloys in place of the 16" wheels. They charge you £100 to cover the modification. In theory that £100 just keeps your insurance valid. You have a prang and one of the front 20" wheels is totalled too. Admiral authorise repairs but refuse to supply a new 20" wheel and tyre that you thought was covered - they offer to supply a 16" wheel and tyre or the repairer can get a 20" wheel and tyre but you have to pay the difference - that's the SPRC for you.
How far does the SPRC extend? No knows. Is is aftermarket mods? Or factory fitted modifications? The definition is the standard car. You order a BMW 320d MSport. You tick the boxes on the options sheet for 20" rims, individual spangly leather, etc etc. You do or don't declare the £15k of options and the car is totalled a month after purchase. In theory Admiral Group, under the SPRC, could just supply you with a new vanilla 320d MSport without any of the £15k of options. It's insurance. Do ya feel lucky punk? I've posted this loads of times on various forums and no-one from Admiral Group has ever corrected me on this.
You get a quote and state that you have 20" aftermarket alloys in place of the 16" wheels. They charge you £100 to cover the modification. In theory that £100 just keeps your insurance valid. You have a prang and one of the front 20" wheels is totalled too. Admiral authorise repairs but refuse to supply a new 20" wheel and tyre that you thought was covered - they offer to supply a 16" wheel and tyre or the repairer can get a 20" wheel and tyre but you have to pay the difference - that's the SPRC for you.
How far does the SPRC extend? No knows. Is is aftermarket mods? Or factory fitted modifications? The definition is the standard car. You order a BMW 320d MSport. You tick the boxes on the options sheet for 20" rims, individual spangly leather, etc etc. You do or don't declare the £15k of options and the car is totalled a month after purchase. In theory Admiral Group, under the SPRC, could just supply you with a new vanilla 320d MSport without any of the £15k of options. It's insurance. Do ya feel lucky punk? I've posted this loads of times on various forums and no-one from Admiral Group has ever corrected me on this.
A story I've mentioned before on another thread.
Admiral multi car.
I had a Cayman S value about 28k and shed Polo value 1500 quid. Premium not too bad, but don't get me strarted about NCB and percentages split on one car or the other.
After a couple of years I decided to sell the Cayman buy something else but keep the Polo.
I of course did this near the time of renewal, about a month before.
Phone them up once I sold the Cayman to update my policy. And had only the Polo he said "ok let me just update that for you.... ok that's £200". Ok good I said you'll pay that back when?
"No no, that's what you pay to us "
Eh? My cover was for two cars total value about 26k and now it's only one car value just over a grand and you want me to give you money!?
I asked if this call was recorded, it was, I said play it to your manager, and I went off on one (firm, fair and enraged) I didn't pay anymore and of course didn't renew when I bought a BMW.
Admiral multi car.
I had a Cayman S value about 28k and shed Polo value 1500 quid. Premium not too bad, but don't get me strarted about NCB and percentages split on one car or the other.
After a couple of years I decided to sell the Cayman buy something else but keep the Polo.
I of course did this near the time of renewal, about a month before.
Phone them up once I sold the Cayman to update my policy. And had only the Polo he said "ok let me just update that for you.... ok that's £200". Ok good I said you'll pay that back when?
"No no, that's what you pay to us "
Eh? My cover was for two cars total value about 26k and now it's only one car value just over a grand and you want me to give you money!?
I asked if this call was recorded, it was, I said play it to your manager, and I went off on one (firm, fair and enraged) I didn't pay anymore and of course didn't renew when I bought a BMW.
I'm going to go against the grain here and say I can see where they are coming from on this one. Obviously I don't have hard data but I imagine it's not uncommon for people to get quotes for their modified car and upon seeing the price difference decide "sod that.. I'll tell em it's standard and chance it"
Currently insured with Admiral, prices are good generally and have used them for years but never had to claim so can't comment there. I dislike their policy adjustment charge for things like private plate removal especially when it's all online on their insurance portal and print everything yourself.
98elise said:
Typical insurance bashing thread...
Self-righteous indignation of people wanting to mod cars but not wanting the insurance company to ask any questions.
Not really. Self-righteous indignation of people wanting to mod cars but not wanting the insurance company to ask any questions.
Insurance company asking a question that a reasonable person can’t answer.
I knew roughly what options the merc had (the bloody obvious ones like a roof I can see through). I didn’t know that the steering wheel was a ~£300 option for example, and it’s only because I’m interested in the car that I found out.
How the insurer expect my mother (for example) who cares not one bit about cars to answer I have no idea. Hence I suspect they know this and it’s cynically used to lowball claims knowing that most people will roll over.
Edit; sorry, you’re right and I’ve gone off on a thread drift.
Edited by Mr E on Sunday 25th February 08:37
TooMany2cvs said:
Admiral. The Ryanair of insurers.
I wouldn't touch them with somebody else's bargepole for a perfectly vanilla policy on a perfectly vanilla car. Anything more complicated than that...?
Bit of an eye opener this thread. I can’t recall using Admiral before, but definitely won’t after reason this. I wouldn't touch them with somebody else's bargepole for a perfectly vanilla policy on a perfectly vanilla car. Anything more complicated than that...?
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