Admiral multicar insurance. Any good?

[erdnase]

Have to say, as an Admiral customer, it's nice to know there's a few Admiral employees here.

I know you're all bound by company policy, and have your hands tied on many issues - but it's good to know I'll be able to get answers or advice for general queries, etc, as well as just knowing there's an Admiral "presence" on Pistonheads.

Insurance companies get a bad rap a lot of the time - and perhaps with Admirals annoying advert, they deserve it - but other than that advert, I've nothing but praise for them.

[ZOLLAR]

erdnase said:

Have to say, as an Admiral customer, it's nice to know there's a few Admiral employees here.

I know you're all bound by company policy, and have your hands tied on many issues - but it's good to know I'll be able to get answers or advice for general queries, etc, as well as just knowing there's an Admiral "presence" on Pistonheads.

Insurance companies get a bad rap a lot of the time - and perhaps with Admirals annoying advert, they deserve it - but other than that advert, I've nothing but praise for them.

they are annoying!I dont mind answering questions or helping if i can, just ask on this thread my email address thats connected to the PM on here has not been working for a few weeks (grr blackberries)obviously as you said some info i can't advise (company policy things) but i'lldo my best

Edited by ZOLLAR on Wednesday 3rd March 20:17

[james2009]

Was with admiral and they were great, multi car didnt end up covering my new vehicle,a T5 van even though it was non commercial so i had to get seperate policy with a new company.

however the way they handled a no fault accident claim on my old vehicle i would have left anyway, absolutely terrible service that has left me out of pocket £585 as they wouldnt fight my corner despite having full admission of liability from the third party, only been dragging on since mid June and still not resolved...

[RiccardoG]

ZOLLAR said:

Unfortunately no, I have been asked by policyholders previously and its declined, possibly one of the reasons is that the T+Cs require a policyholder to not be out of the country more than 90 days (3 months) per policy term .

Thanks again. As I have understood it, policyholders need to be UK residents although this doesn't limit them to spend a maximum of 90 days out of the country because by (tax) law residency is defined in more complex ways depending on days of travel etc.

[ZOLLAR]

RiccardoG said:

ZOLLAR said:

Unfortunately no, I have been asked by policyholders previously and its declined, possibly one of the reasons is that the T+Cs require a policyholder to not be out of the country more than 90 days (3 months) per policy term .

Thanks again. As I have understood it, policyholders need to be UK residents although this doesn't limit them to spend a maximum of 90 days out of the country because by (tax) law residency is defined in more complex ways depending on days of travel etc.

For insurance purposes the T+C need the policy holder to be present in the uk for at least 9 or 7 months of the year (depending on what policy you have with admiral) its to do with care of the vehicle,the underwriters believe that if the policyholder is away alot then the car may be neglected which breaks the T+C's on policyholders having a responsibility for the vehicle, simple way around it is make a family member the Ph if your going to be away for longs periods, as far as im aware the T+C for being in the uk isnt based on tax law/residency issues.
HTH

[McAndy]

will_ said:

Currently with Admiral for one car, tried to get a multicar but the computer said my K-Series Caterham R400 didn't exist....!

That's amazing! Non-existance must be the best anti-theft device you can have...they should pay you!!

[will_]

McAndy said:

will_ said:

Currently with Admiral for one car, tried to get a multicar but the computer said my K-Series Caterham R400 didn't exist....!

That's amazing! Non-existance must be the best anti-theft device you can have...they should pay you!!

I had a rather circular argument with the guy on the phone.

Apparently (for reasons I can't recall) they recognise the newer 2.0 duratec cars but not the older 1.8 k series cars, even if you put the right year in (i.e. they can quote for a car which doesn't actually exist, but can't quote for the one that was sitting in my garage....)

[ammw]

We've got an admiral multicar policy. Just got our renewal in yesterday - £656 for a 2.7 Boxster and a BMW 130i.

[ZOLLAR]

will_ said:

McAndy said:

will_ said:

Currently with Admiral for one car, tried to get a multicar but the computer said my K-Series Caterham R400 didn't exist....!

That's amazing! Non-existance must be the best anti-theft device you can have...they should pay you!!

I had a rather circular argument with the guy on the phone.

Apparently (for reasons I can't recall) they recognise the newer 2.0 duratec cars but not the older 1.8 k series cars, even if you put the right year in (i.e. they can quote for a car which doesn't actually exist, but can't quote for the one that was sitting in my garage....)

If you had spoken to me i would have referred the model to underwriters and had it included in our list's unfortunately like all companies there are a few people that are unable to think of solutions and just go with "computer says no" sorry you spoke to one of them

[will_]

ZOLLAR said:

will_ said:

McAndy said:

will_ said:

Currently with Admiral for one car, tried to get a multicar but the computer said my K-Series Caterham R400 didn't exist....!

That's amazing! Non-existance must be the best anti-theft device you can have...they should pay you!!

I had a rather circular argument with the guy on the phone.

Apparently (for reasons I can't recall) they recognise the newer 2.0 duratec cars but not the older 1.8 k series cars, even if you put the right year in (i.e. they can quote for a car which doesn't actually exist, but can't quote for the one that was sitting in my garage....)

If you had spoken to me i would have referred the model to underwriters and had it included in our list's unfortunately like all companies there are a few people that are unable to think of solutions and just go with "computer says no" sorry you spoke to one of them

To be fair I'd heard of this problem with Caterhams and Admiral before - I think the issue is with your underwriters not recognising the earlier cars as road cars at all....! In any event they are pretty specialist kit and the specialist insurers usually give such good quotes that I wouldn't have expected someone as "mainstream" as Admiral to beat them, but it was worth a crack. The chap on the phone was actually pretty good and helpful but I think this one might be a genuine case of computer says no. I still went with Admiral for one car so you guys still got my cash!

[ZOLLAR]

will_ said:

ZOLLAR said:

will_ said:

McAndy said:

will_ said:

Currently with Admiral for one car, tried to get a multicar but the computer said my K-Series Caterham R400 didn't exist....!

That's amazing! Non-existance must be the best anti-theft device you can have...they should pay you!!

I had a rather circular argument with the guy on the phone.

Apparently (for reasons I can't recall) they recognise the newer 2.0 duratec cars but not the older 1.8 k series cars, even if you put the right year in (i.e. they can quote for a car which doesn't actually exist, but can't quote for the one that was sitting in my garage....)

If you had spoken to me i would have referred the model to underwriters and had it included in our list's unfortunately like all companies there are a few people that are unable to think of solutions and just go with "computer says no" sorry you spoke to one of them

To be fair I'd heard of this problem with Caterhams and Admiral before - I think the issue is with your underwriters not recognising the earlier cars as road cars at all....! In any event they are pretty specialist kit and the specialist insurers usually give such good quotes that I wouldn't have expected someone as "mainstream" as Admiral to beat them, but it was worth a crack. The chap on the phone was actually pretty good and helpful but I think this one might be a genuine case of computer says no. I still went with Admiral for one car so you guys still got my cash!

bubbly for the shareholders meeting no worries if you ever need a quote and ring again just suggest to the person on the phone to get the underwriters to add it simple process.

[irodger]

Holy thread resurection, Batman! (the search button worked, for once

Kinda hoping Zollar or someone else can help with a dilemma. I'm going to be insuring two cars early in the new year and I'm wondering what the best way is to go about it.

Car 1: Toyota MR2 Roadster, me as main driver, car will be mainly used by me from April to October, but is also used occasionally by my sister and the very odd time by my parents if they fancy a roof down run. I also like to go out for an 'Open Season' run in the cold. Kept at my place through summer, at my parent's through winter (I only have residential parking). I'll be main driver on this all year.

Car 2: Volvo V40 workhorse/winter shed for me November to March, and mostly used by my parents for dog carrying and by the family in general for load lugging duties thoughout the year. Kept at mine through winter, and anywhere its needed the rest of the time!

Does anyone have any ideas on how best to categorise these with respect to who to name as main driver on the Volvo? I'll be main driver for a period of time, but then my Dad will probably do more miles at other times. Also, we all have NCD on other cars (the MR2 in my case) and live at seperate households. No one has seperate NCD available for use on another car, so the Volvo would be going with 0yrs, unless there is a way round this?

Thanks in advance for any help.

[CampDavid]

ZOLLAR said:

CampDavid said:

Quick comment, changed cars, went through the whole thing, quick, painless, didn't cost much, all good.

However, I need to tax the car to drive it home. Docs come out in the post, no chance of e-mail or download so I end up having to pay a chunk in storage fees or risk driving without tax. Any plans to change this?

The company is having a new IT system this year replacing the current one, once in place we should be able to email certificates,also customers will have their own "access portal" you have your own password which you login to on the website and all your insurance info so if you need a new certificate there will be no need to ring the company you and just print a copy off.
But it'll probably be at least a year to a year and a half until the full system is in place (I don't know the full technical details unfortunately).

As predicted, they now e-mail you out a new certificate. Hammer dropped on the new car at auction at 10am and i had it insured, taxed and outside the house within a couple of hours. Top

[ZOLLAR]

irodger said:

Holy thread resurection, Batman! (the search button worked, for once

Kinda hoping Zollar or someone else can help with a dilemma. I'm going to be insuring two cars early in the new year and I'm wondering what the best way is to go about it.

Car 1: Toyota MR2 Roadster, me as main driver, car will be mainly used by me from April to October, but is also used occasionally by my sister and the very odd time by my parents if they fancy a roof down run. I also like to go out for an 'Open Season' run in the cold. Kept at my place through summer, at my parent's through winter (I only have residential parking). I'll be main driver on this all year.

Car 2: Volvo V40 workhorse/winter shed for me November to March, and mostly used by my parents for dog carrying and by the family in general for load lugging duties thoughout the year. Kept at mine through winter, and anywhere its needed the rest of the time!

Does anyone have any ideas on how best to categorise these with respect to who to name as main driver on the Volvo? I'll be main driver for a period of time, but then my Dad will probably do more miles at other times. Also, we all have NCD on other cars (the MR2 in my case) and live at seperate households. No one has seperate NCD available for use on another car, so the Volvo would be going with 0yrs, unless there is a way round this?

Thanks in advance for any help.

Personally I would make myself the main driver for the volvo and the MR2 as you may be able to get a mirrored ncb on the Volvo as your the main driver most of the time,also presuming you to be the highest risk its probably best for you to be the policyholder.
What you can do on the Admiral multicar is stipulate the main driver so say your the main driver for 6 months then your dad uses more ring up and change it to him, you'll still be the policyholder and gain NCB but the documents will show him to be the main user.

The only catch is the cars will have to be kept at the same address however it may be something that may be changing next year i.e. 5 cars to the policy all at different address's but its not something thats being pushed at the moment as its a bit complicated.

HTH

[irodger]

ZOLLAR said:

irodger said:

Holy thread resurection, Batman! (the search button worked, for once

Kinda hoping Zollar or someone else can help with a dilemma. I'm going to be insuring two cars early in the new year and I'm wondering what the best way is to go about it.

Car 1: Toyota MR2 Roadster, me as main driver, car will be mainly used by me from April to October, but is also used occasionally by my sister and the very odd time by my parents if they fancy a roof down run. I also like to go out for an 'Open Season' run in the cold. Kept at my place through summer, at my parent's through winter (I only have residential parking). I'll be main driver on this all year.

Car 2: Volvo V40 workhorse/winter shed for me November to March, and mostly used by my parents for dog carrying and by the family in general for load lugging duties thoughout the year. Kept at mine through winter, and anywhere its needed the rest of the time!

Does anyone have any ideas on how best to categorise these with respect to who to name as main driver on the Volvo? I'll be main driver for a period of time, but then my Dad will probably do more miles at other times. Also, we all have NCD on other cars (the MR2 in my case) and live at seperate households. No one has seperate NCD available for use on another car, so the Volvo would be going with 0yrs, unless there is a way round this?

Thanks in advance for any help.

Personally I would make myself the main driver for the volvo and the MR2 as you may be able to get a mirrored ncb on the Volvo as your the main driver most of the time,also presuming you to be the highest risk its probably best for you to be the policyholder.
What you can do on the Admiral multicar is stipulate the main driver so say your the main driver for 6 months then your dad uses more ring up and change it to him, you'll still be the policyholder and gain NCB but the documents will show him to be the main user.

The only catch is the cars will have to be kept at the same address however it may be something that may be changing next year i.e. 5 cars to the policy all at different address's but its not something thats being pushed at the moment as its a bit complicated.

HTH

Wow, thanks for the speedy response!

I didn't realise that changing the main-named driver mid way through would be easy, I'd presumed lots of complications, extended 'phone calls on hold and monetary transactions. It will be next year when the policy is arranged, so I think changin named driver in the summer is the direction I shall be heading!

Also didn't know about the mirrored NCD. Is this because the MR2 will be rarely used when I'm driving the Volvo? That would be a major plus point and would probably decrease the premium somewhat. It would definitely swing in Admiral's favour if it could all be on one easy to manage policy too.

Cheers Zollar, top help! Have a

[LandingSpot]

What's the crack with "NCB to apply to this car"

I am looking at a Multicar policy and each car has a "Number of years No Claims Bonus for this car".

Now, I have 5 years NCB and the OH has a couple more than I IIRC. Is it 5 for this car if I am the main driver and 10 if she is, or am I not able to apply any NCB to the third car?

[ZOLLAR]

LandingSpot said:

What's the crack with "NCB to apply to this car"

I am looking at a Multicar policy and each car has a "Number of years No Claims Bonus for this car".

Now, I have 5 years NCB and the OH has a couple more than I IIRC. Is it 5 for this car if I am the main driver and 10 if she is, or am I not able to apply any NCB to the third car?

Usually you can only apply 1 set of NCB to each car for example

Car 1 = 5 years
car 2 = 8 years

But then you buy a 3rd car for weekend use, normally you wouldn't be able to use the NCB thats on the other 2 cars on this one as they are being used to gain discount on car 1 and 2, what you can do is ask if they'll mirror the NCB on the 3rd car.
Essentially it gives you the equivalent reduction.

HTH

[ZOLLAR]

Paddy_N_Murphy said:

ZOLLAR said:

, what you can do is ask if they'll mirror the NCB on the 3rd car.
Essentially it gives you the equivalent reduction.

HTH

ONLY if you have a perfect claims record IIRC, don't know about points

Yes sorry forgot about that, no claims in the last 3 years to qualify.
Points arn't so much a problem but if there are more than 6 it may be declined.

[AcidReflux]

ZOLLAR is your name Gwyn by any chance? In ten minutes I'm due a callback from him so I can let him know whether I'd like to take out a policy or not. I'm stunned that there doesn't seem to be any criticism of Admiral in threads like this on PH.

[ZOLLAR]

AcidReflux said:

ZOLLAR is your name Gwyn by any chance? In ten minutes I'm due a callback from him so I can let him know whether I'd like to take out a policy or not. I'm stunned that there doesn't seem to be any criticism of Admiral in threads like this on PH.

No sorry not me!, I don't work in sales.
If you take the policy thank you for the business, it is nice to know that multicar is doing well obviously there have bound to be problems with it like all products but good feedback is always nice to hear.