Admiral Multicar Insurance
Discussion
Just had favourable quotes from Admiral for my fleet - unexpectedly beat my best quotes.
Are there any gotchas with it though? The sort of thing that you don't realise until you claim?
I got that there are excesses on windscreen and even chip repair!
Are there any things that they will sting me for that won't have been included - legal cover, etc.? When I got a single policy with them on the 9000 I was pretty much bullied into personal injury cover - I had declined and they were full of "so if you have an accident and x is injured you don't want to be covered?". I thought this was part of insurance anyway!? Don't want to be stung for an extra 50 quid here and there after agreeing policy and finding it's no better than my renewal quotes.
What are they like to deal with in the event of a claim?
Will I have problems with them if they write my car off and I want to buy it back, or will they insist they own it/charge me a ludicrous amount?
Will they do agreed value cover easily enough?
Head says go with them as they're the cheapest, heart says stick with brokers as I have found them good to deal with and I know that I will be able to get agreed value cover...
Are there any gotchas with it though? The sort of thing that you don't realise until you claim?
I got that there are excesses on windscreen and even chip repair!
Are there any things that they will sting me for that won't have been included - legal cover, etc.? When I got a single policy with them on the 9000 I was pretty much bullied into personal injury cover - I had declined and they were full of "so if you have an accident and x is injured you don't want to be covered?". I thought this was part of insurance anyway!? Don't want to be stung for an extra 50 quid here and there after agreeing policy and finding it's no better than my renewal quotes.
What are they like to deal with in the event of a claim?
Will I have problems with them if they write my car off and I want to buy it back, or will they insist they own it/charge me a ludicrous amount?
Will they do agreed value cover easily enough?
Head says go with them as they're the cheapest, heart says stick with brokers as I have found them good to deal with and I know that I will be able to get agreed value cover...
Only downer with them is you have to use their windscreen replacement company or you will only get £100 contribution. Don't know how water tight that is but hopefully I won't have to test it.
Multicar is effectively more than one policy using the same policy number.
Have had to claim in the past, pretty much like any other insurer - get a quote, send it in, get car dropped off, receive hire car, collect car when ready.
Multicar is effectively more than one policy using the same policy number.
Have had to claim in the past, pretty much like any other insurer - get a quote, send it in, get car dropped off, receive hire car, collect car when ready.
Other thing that just occurred to me:
Current policies being renewed are due 1 March and 7 March, other car (already with Admiral) in October. The quotes they are giving me are with policies running up until March 1 2013.
By my thinking I will miss out on the year's NCB on car 2 by 1 week, and the extra 5 months on car 3 will count for nothing. Plus, car 1 already has max NCB...
Current policies being renewed are due 1 March and 7 March, other car (already with Admiral) in October. The quotes they are giving me are with policies running up until March 1 2013.
By my thinking I will miss out on the year's NCB on car 2 by 1 week, and the extra 5 months on car 3 will count for nothing. Plus, car 1 already has max NCB...
Happy82 said:
Just checkthat it's not cheaper to insure with Admiral minus the multicar policy, we've insured both cars through them but multicar would have cost £100 more.
Blimey, how to check that without going through a separate single quote? Just spent half an hour+ on the phone and can't bear to do it again, such a waste of life(as an aside, how come they have to ask me the same questions time after time, but can tell me that I did CompareTheMarket quotes on a 98S BMW 328i Sport last September?
)NiceCupOfTea said:
Other thing that just occurred to me:
Current policies being renewed are due 1 March and 7 March, other car (already with Admiral) in October. The quotes they are giving me are with policies running up until March 1 2013.
By my thinking I will miss out on the year's NCB on car 2 by 1 week, and the extra 5 months on car 3 will count for nothing. Plus, car 1 already has max NCB...
I think I understand what you mean... in which case they will ask when each policy is due to expire and they will start them at their own expiry dates for example, your policy might start on the 1st, but the cover for the vehicle that expires on the 7th won't be active until then. Current policies being renewed are due 1 March and 7 March, other car (already with Admiral) in October. The quotes they are giving me are with policies running up until March 1 2013.
By my thinking I will miss out on the year's NCB on car 2 by 1 week, and the extra 5 months on car 3 will count for nothing. Plus, car 1 already has max NCB...
I'm not sure this gives you the answer you were looking for?
miniman said:
NiceCupOfTea said:
(as an aside, how come they have to ask me the same questions time after time, but can tell me that I did CompareTheMarket quotes on a 98S BMW 328i Sport last September? )
At a guess because they like to have a recording of you giving them your details each time. )
NiceCupOfTea said:
miniman said:
NiceCupOfTea said:
(as an aside, how come they have to ask me the same questions time after time, but can tell me that I did CompareTheMarket quotes on a 98S BMW 328i Sport last September? )
At a guess because they like to have a recording of you giving them your details each time. )I saved £400 when I renewed last week onto multicar. Previously I had 2 separate policies & Admiral were already the cheapest.
As far as I am aware they just do market rather than agreed valuations.
My wife drive into an iron railing earlier this year and the claims process was very strightforward (including agreeing to replace with OEM parts).
As far as I am aware they just do market rather than agreed valuations.
My wife drive into an iron railing earlier this year and the claims process was very strightforward (including agreeing to replace with OEM parts).
Not sure if it is still the case but when I was in the industry I beleive they had a policy to use either non manufacturers parts or recon parts and also they have a "Drink Drive Clause" which voids the accidental damage section of the policy (your car) in the event of a claim if you are found to be driving over the limit.
Please dont hold me to this but it may be worth checking
Please dont hold me to this but it may be worth checking
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