Aston Martin DB9 Insurance
Discussion
Of course premiums have a wide variation according to geography and many other circumstances.
In addition, some insurers appear to suddenly change their minds about willingness to accept specific categories of car.
A while ago, NFU Mutual suddenly went from being very competitive, to trebling renewal premiums for several contributors here, even though the individual risks were unchanged.
When I first insured my AM many years ago, the premium was in the £700 range through a broker. For the past two years (have just renewed), it has been just under £250 with AVIVA Direct. Perhaps give them a try.
Caslad said:
I’ve had Admiral multicar for the last couple of years. Competitive price & minimal additions to the premium for modifications.
I have been with admiral for a couple of years too on a multicar policy. Had an accident a few months ago (not the aston), what a shower of s
t Admiral are to deal with, wont ever use them again for insurance. Incompetent.M1AGM said:
I have been with admiral for a couple of years too on a multicar policy. Had an accident a few months ago (not the aston), what a shower of st Admiral are to deal with, wont ever use them again for insurance. Incompetent.
Funnily enough my renewal quote arrived this morning & they’ve hiked the premium for the 3 cars by £300 so looks like I’ll be going elsewhere.t Admiral are to deal with, wont ever use them again for insurance. Incompetent.Never ceases to amaze me that people pay for the cheapest cover they can find on either special or expensive cars irrespective of the provider then potentially have issues post claims whilst expecting a first class service.
Obviously no one expects to claim and no one likes spending money on insurance but there is a happy medium surely ?
I insured all my childrens cars with Admiral but relatively small values - very good website and document system but never had to claim.
Obviously no one expects to claim and no one likes spending money on insurance but there is a happy medium surely ?
I insured all my childrens cars with Admiral but relatively small values - very good website and document system but never had to claim.
alscar said:
Never ceases to amaze me that people pay for the cheapest cover they can find on either special or expensive cars irrespective of the provider then potentially have issues post claims whilst expecting a first class service.
Obviously no one expects to claim and no one likes spending money on insurance but there is a happy medium surely ?
I insured all my childrens cars with Admiral but relatively small values - very good website and document system but never had to claim.
Obviously no one expects to claim and no one likes spending money on insurance but there is a happy medium surely ?
I insured all my childrens cars with Admiral but relatively small values - very good website and document system but never had to claim.
It seems to be a complete gamble.
Initially I wanted a policy, which did not have a restriction of, 'our preferred repairers'.
Happily paid £700.
Recently I have been paying much cheaper premiums, about £250, so you might say, I am one who is paying for the cheapest cover.
However, the original and present insurer is the same, the policy wording is the same. Explain that. (Not the same insurer throughout.)
You are pleased with Admiral, but have never had a claim.
M1AGM said:
I have been with Admiral for a couple of years too on a multicar policy. Had an accident a few months ago (not the aston), what a shower of [clowns] Admiral are to deal with, won't ever use them again for insurance. Incompetent.
We just receive pieces of paper when we pay, but only discover what we have bought if a claim arises.
All very confusing.
The fondness for low price over excellent service is because, unlike almost everything else you buy, you have to buy car insurance, but hope not to require the service. And so the fact you might end up dealing with aholes for a few weeks is deemed worth it for the significant sum saved over all the years you don't.
holes for a few weeks is deemed worth it for the significant sum saved over all the years you don't.Agree it’s a gamble ( as with any insurance purchase ) but my point was it’s also linked to value.
I never said I was happy with Admiral but equally wasn’t unhappy but even if we had to have claimed neither the choice of vehicles or the values meant stress wouldn’t have been huge.
That’s really the issue - gamble and think about stress and how much you can stomach should the worst happen.
Then of course don’t get me started on renewal terms once you’ve found the best for you option the first year.
Car insurance is such a pain usually - I use a broker which costs me nothing and just presents the quotes.
I don’t doubt my policy is expensive but as I say if the worst happens no stress.
I never said I was happy with Admiral but equally wasn’t unhappy but even if we had to have claimed neither the choice of vehicles or the values meant stress wouldn’t have been huge.
That’s really the issue - gamble and think about stress and how much you can stomach should the worst happen.
Then of course don’t get me started on renewal terms once you’ve found the best for you option the first year.
Car insurance is such a pain usually - I use a broker which costs me nothing and just presents the quotes.
I don’t doubt my policy is expensive but as I say if the worst happens no stress.
Dewi 2 said:
We just receive pieces of paper when we pay, but only discover what we have bought if a claim arises.
All very confusing.
Last week I was with a senior director of a large insurance group, told him the story, which he was dismayed at. I then said I might as well just insure TPFT and he agreed! The system is completely loaded one way - pay your premiums and keep quiet, or else get stung.
The reason I went with Admiral (they weren’t that cheap) was the multi car option to have one renewal for 3 cars saving me admin. Will be going to a broker in future and chucking the bikes in too.
M1AGM said:
Last week I was with a senior director of a large insurance group, told him the story, which he was dismayed at. I then said I might as well just insure TPFT and he agreed!
I thought you were going to say he got the £106 back for you!To my surprise the option of TPFT was mentioned to me today, which surprised me as one thinks of that for old bangers, and as you go up the scale of niceness, 'fully comp' is the only game in town.
Does it make any sense to have an Aston insured TPFT? I can't think so as repair costs if needed would be more than yer average car.
Simpo Two said:
M1AGM said:
Last week I was with a senior director of a large insurance group, told him the story, which he was dismayed at. I then said I might as well just insure TPFT and he agreed!
I thought you were going to say he got the £106 back for you!To my surprise the option of TPFT was mentioned to me today, which surprised me as one thinks of that for old bangers, and as you go up the scale of niceness, 'fully comp' is the only game in town.
Does it make any sense to have an Aston insured TPFT? I can't think so as repair costs if needed would be more than yer average car.
M1AGM said:
It’s worse than that though. I been driving for over 30 years, never had a claim or accident, advanced biker, driver etc... Then a couple of months back I was involved in an accident (road rage, there’s a thread about it). Contacted Admiral to tell them about the accident, but not to start a claim until I had agreed to, as my excess was £800 and I wanted to check how much damage had been caused. Repairs were less so no claim, the other party also didnt want to claim. In the meantime, unknown to me, Admiral had started a claim. I only found out when I got a text several weeks later whilst spanking the Aston around the Alps that they were still dealing with my claim (I nearly fell off the Furka at that point lol). It took me 2 days of many hours on the phone to get through to them to explain I hadn’t agreed to start a claim and their phone recordings would prove it. They still put my policy premium up by £106 for the privilege. Cancelled the claim I never agreed to. No apology, just ‘Sandra’ from delhi telling me my risk has been adjusted upwards due to the claim. I gave up at that point.
Last week I was with a senior director of a large insurance group, told him the story, which he was dismayed at. I then said I might as well just insure TPFT and he agreed! The system is completely loaded one way - pay your premiums and keep quiet, or else get stung.
The reason I went with Admiral (they weren’t that cheap) was the multi car option to have one renewal for 3 cars saving me admin. Will be going to a broker in future and chucking the bikes in too.
Last week I was with a senior director of a large insurance group, told him the story, which he was dismayed at. I then said I might as well just insure TPFT and he agreed! The system is completely loaded one way - pay your premiums and keep quiet, or else get stung.
The reason I went with Admiral (they weren’t that cheap) was the multi car option to have one renewal for 3 cars saving me admin. Will be going to a broker in future and chucking the bikes in too.
Unfortunately your experience all sounds quite normal for insurers these days. Report an incident, and up goes your next premium. Make a few no-blame claims and they jump to the conclusion, that the driver must somehow be accident prone, so up goes the next premium.
- Simply report an collision/accident (which is of course a question at every renewal) and the next premium increases.
- Even when paying extra for a Protected No Claims Discount, make a claim, the full discount does remains the same, but the next premium probably increases significantly.
- I could give more examples.
All very different from years ago, when the basis was more that the many paid for the unfortunate few.
Some while ago, TPFT was (perhaps) less than half the cost of Comprehensive. A spate of drivers who had damaged their TPFT cars, seemed to 'unfortunately' drop a lit match at the wheel, when trying to ignite a cigarette. The cars caught fire and low and behold, there were claims under TPFT. That led to suspicion and TPFT premiums were increased considerably and now might not be much less than Comprehensive.
Large vehicle fleets are usually insured TPFT only. The arithmetic of a large number of vehicles usually under the employers control helps. Own blame damage claims have to be paid by the vehicle operator and TP damage being paid by the insurer, but no-fault claims are persued for recovery by a department of the fleet operator. Premiums on those policies are based on the actual claims experience of each individual fleet.
Edited by Dewi 2 on Wednesday 12th October 19:37
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