Warning: don't waste your time with AVIVA'S multicar offer!

[AMG Merc]

Just spent 40 minutes of my life that I'll never see again

AVIVA'S advertising and website says it'll take multiple cars but on its website earlier once you've entered two it won't take any more. So called up and spent more time talking to poor chap in call centre - he said there's a problem with the website but he can take my details verbally.

...So he entered all the details again and at the end (40 minutes by now!) said there was a problem and that HE couldn't even get me a quote. Said he'd report it to IT but it could take 2+ days before he'd get their response and could quote - 21st century technology and customer service - FFS!

[wack]

When they give you the quote you'll wish you hadn't bothered, waste of time all of them

I have 3 cars, 2 over 15 years old, it was cheaper to insure them all separately

[SS2.]

Just taken out our first multi-car policy (with Admiral) and saved loads - about a third off the 330D premium (already cheap with Hastings), with the M3 policy dropping by about half..

And the switch was effortless, really couldn't fault Admiral's customer service at all.

Worth a call, perhaps ?

[Saleen836]

SS2. said:

Just taken out our first multi-car policy (with Admiral) and saved loads - about a third off the 330D premium (already cheap with Hastings), with the M3 policy dropping by about half..

And the switch was effortless, really couldn't fault Admiral's customer service at all.

Worth a call, perhaps ?

Report back when you get the renewal

Myself and Mrs Saleen took out a multicar policy for our 4 vehicles and saved approx £200 each across the 4, come renewal time it was cheaper to insure all of them seperately.

[anonymous-user]

That's why most switch every year. No loyalty shown by them is rewarded appropriately

[pherlopolus]

Saleen836 said:

Report back when you get the renewal

Myself and Mrs Saleen took out a multicar policy for our 4 vehicles and saved approx £200 each across the 4, come renewal time it was cheaper to insure all of them seperately.

Same with us for 2 cars...

[CoolHands]

I just spent near-enough a day on all the fking compare crap websites to insure two cars. I fking hate it.

[STW2010]

SS2. said:

Just taken out our first multi-car policy (with Admiral) and saved loads - about a third off the 330D premium (already cheap with Hastings), with the M3 policy dropping by about half..

And the switch was effortless, really couldn't fault Admiral's customer service at all.

Worth a call, perhaps ?

Just hope you never need to claim....

[uuf361]

I've been with Aviva on their multicar for 3 years now with 3 cars.

Nobody else came close at each renewal, and a number of plate changes and car changes have all been easy to administer......

[Axionknight]

I run two cars and have checked these deals out in the past, but they've never worked out viable for me, but I will continue to check them come renewal time, along with separate "normal" policies, on the off chance that it works out cheaper.

[MarshPhantom]

STW2010 said:

SS2. said:

Just taken out our first multi-car policy (with Admiral) and saved loads - about a third off the 330D premium (already cheap with Hastings), with the M3 policy dropping by about half..

And the switch was effortless, really couldn't fault Admiral's customer service at all.

Worth a call, perhaps ?

Just hope you never need to claim....

Admiral were pretty good and generous when my Citroen ZX 16V went up in flames.

[MarshPhantom]

CoolHands said:

I just spent near-enough a day on all the fking compare crap websites to insure two cars. I fking hate it.

Drives me mad, you should try getting quotes for a LHD Campervan that was never sold in this country.

The worst is when you spend half an hour filling out an online form only for the s to insist on phoning you up to give you a quote.

If I wanted to speak to someone, I'd have phoned you.

[ChasW]

I have been on Admiral multicar for 3 years; fours cars to start with, now three, and I saved quite a lot. You just need to keep an eye on any changes at renewal time and be prepared to challenge them. I get the sense they listen to feedback because I find their people quite professional now.

[Ki3r]

SS2. said:

Just taken out our first multi-car policy (with Admiral) and saved loads - about a third off the 330D premium (already cheap with Hastings), with the M3 policy dropping by about half..

And the switch was effortless, really couldn't fault Admiral's customer service at all.

Worth a call, perhaps ?

Wait until you need to claim with Admiral...you'll see why they are so cheap!

[SS2.]

Ki3r said:

Wait until you need to claim with Admiral...you'll see why they are so cheap!

The Mrs was already with them, has been for over 10 years - just one small claim in that time and that was handled promptly, efficiently and with zero hassle.

[MarshPhantom]

SS2. said:

Ki3r said:

Wait until you need to claim with Admiral...you'll see why they are so cheap!

The Mrs was already with them, has been for over 10 years - just one small claim in that time and that was handled promptly, efficiently and with zero hassle.

I was happy with them as I said above, they offered me a fair price for my car (£2k) IIRC, then got another £500 out of them just by forwarding a couple of ads of Autotrader showing similar cars to mine at a higher.

Good news.

[krisdelta]

SS2. said:

Ki3r said:

Wait until you need to claim with Admiral...you'll see why they are so cheap!

The Mrs was already with them, has been for over 10 years - just one small claim in that time and that was handled promptly, efficiently and with zero hassle.

+1 a claim with Admiral processed and executed efficiently with no delays, messing around or stalling. Despite the sensible premium.

[Pan Pan]

A general question. On the basis that a good / experienced driver is `generally' going to be safer, than one who has little experience / aptitude for driving, (no matter what type of car they are driving)
Do insurance companies insure the car, or the driver?

My guess would be a bit of both, since the cost of repairing / replacing a particular car must come into the equation, But equally, a driver inexperienced or not, in a £200 banger, could run into a Veyron initiating colossal repair bills, even though the car they are driving is almost worthless.

If the bottom line is risk, would it be better to insure the driver, rather than the car, since a poor dangerous driver, is going to be a poor dangerous driver no matter what they are in.

A driver can only drive one vehicle at a time, so (apart from the fire / theft aspect) even if they have a garage full of cars of all types and cost, technically they can only be insured for driving one vehicle at a time.

Is it a case that they adjust their position so that no matter who, or what they are insuring, they can extract the most cash from a particular situation?

[berlintaxi]

krisdelta said:

SS2. said:

Ki3r said:

Wait until you need to claim with Admiral...you'll see why they are so cheap!

The Mrs was already with them, has been for over 10 years - just one small claim in that time and that was handled promptly, efficiently and with zero hassle.

+1 a claim with Admiral processed and executed efficiently with no delays, messing around or stalling. Despite the sensible premium.

Yep, my car was written off whilst insured with Admiral, no hassle and a quick generous settlement.

[beko1987]

Pan Pan said:

A general question. On the basis that a good / experienced driver is `generally' going to be safer, than one who has little experience / aptitude for driving, (no matter what type of car they are driving)
Do insurance companies insure the car, or the driver?

My guess would be a bit of both, since the cost of repairing / replacing a particular car must come into the equation, But equally, a driver inexperienced or not, in a £200 banger, could run into a Veyron initiating colossal repair bills, even though the car they are driving is almost worthless.

If the bottom line is risk, would it be better to insure the driver, rather than the car, since a poor dangerous driver, is going to be a poor dangerous driver no matter what they are in.

A driver can only drive one vehicle at a time, so (apart from the fire / theft aspect) even if they have a garage full of cars of all types and cost, technically they can only be insured for driving one vehicle at a time.

Is it a case that they adjust their position so that no matter who, or what they are insuring, they can extract the most cash from a particular situation?

I'd say that could be a good idea. I only buy cars that cost £500 or below. Apart from loving them, the other aspect is that if I happen to slide off the road and into a hedge, it would be cheaper to just bin the car and buy a new one rather than get the insurance involved, for them to write it off and then me have a claim on my history.

Of course it would be handy if I hit another car/building, but I dont make a habit of that. Come the decision to take evasive action into either a car or a tree the back end will be pointed towards the tree without thinking...