Is this malicious upselling by Admiral insurance
Discussion
Hopefully moderators don't think this is antagonistic but ...
I recently ran a comparison website quote for a vehicle and the quotation request included an accident.
There had been no accident, this was added for a comparative cost to someone else (a relative).
As a result of this inclusion Admiral insurance have decided to impose a financial penalty on anyone who has me as a named driver on their policy.
They admit that they have no details of any incident and that this was triggered by the inclusion on the comparison website quote.
Basically they have ZERO evidence that anything happened.
Is this just a malicious process that Admiral now use to increase revenue?
I've not heard of this practice being applied by any other insurers although that may be the case.
Looks like for any future speculative quotes for any vehicles will necessitate the use a separate e-mail account on the comparison sites and use a slightly different profile. I might be a few days older and live nearby but the key details will need to be the same.
Not too sure of the legality of this but as I wouldn't be masquerading as another living individual then hopefully OK.
To resolve this non-accident I now need to go through the process of getting my previous insurers to confirm that noithing happened and forward to Admiral.
In future, as a family, Admiral will not be on the list of insurers for anything.
House insurance is due in 3 weeks time and annoyingly Admiral were the cheaper option, although not by a huge amount.
Saga (yes I'm old) were just behind and guess who's getting the business?
I recently ran a comparison website quote for a vehicle and the quotation request included an accident.
There had been no accident, this was added for a comparative cost to someone else (a relative).
As a result of this inclusion Admiral insurance have decided to impose a financial penalty on anyone who has me as a named driver on their policy.
They admit that they have no details of any incident and that this was triggered by the inclusion on the comparison website quote.
Basically they have ZERO evidence that anything happened.
Is this just a malicious process that Admiral now use to increase revenue?
I've not heard of this practice being applied by any other insurers although that may be the case.
Looks like for any future speculative quotes for any vehicles will necessitate the use a separate e-mail account on the comparison sites and use a slightly different profile. I might be a few days older and live nearby but the key details will need to be the same.
Not too sure of the legality of this but as I wouldn't be masquerading as another living individual then hopefully OK.
To resolve this non-accident I now need to go through the process of getting my previous insurers to confirm that noithing happened and forward to Admiral.
In future, as a family, Admiral will not be on the list of insurers for anything.
House insurance is due in 3 weeks time and annoyingly Admiral were the cheaper option, although not by a huge amount.
Saga (yes I'm old) were just behind and guess who's getting the business?
I have been saying for a very long time that the insurance market is long overdue for an investigation into its business practices.
The concept of "treating customers fairly" as applied to other businesses seems to be a completely alien concept to them - it does not impact me much as over the years I have learned how to play the system but many other people are almost certainly being ripped off
The concept of "treating customers fairly" as applied to other businesses seems to be a completely alien concept to them - it does not impact me much as over the years I have learned how to play the system but many other people are almost certainly being ripped off
Admiral Group comprises - Bell, Elephant, Admiral, Gladiator, Diamond etc etc. They were always the sharks of the insurance world or a bottom feeder. Evidence?: Their Standards Parts Replacement Clause.
When you look at their Claims part of the website, there is a button for "I need assistance or emergency roadside recovery". Does that put you through to an agent to start your claim? No. It puts you through an accident management company and everything you say to an accident company sounds like Admiral are processing your claim. You have to claim separately because a Admiral getting a kickback from an AMC is more important.
When you look at their Claims part of the website, there is a button for "I need assistance or emergency roadside recovery". Does that put you through to an agent to start your claim? No. It puts you through an accident management company and everything you say to an accident company sounds like Admiral are processing your claim. You have to claim separately because a Admiral getting a kickback from an AMC is more important.
Wills2 said:
I think the lesson here is do not include things that haven't happened on a comparison site for the purposes of getting a quote, the advent of AI is only going to make things worse as they will have the compute to get really granular with the data (from all sources)
Yup, if you need to assess what something might do to your pricing, invent a fake driver and run a quote for them.
I have always avoided Admiral group after their history on these pages over the years.
They must well know that people play around with quotes online and experiment.
So to ask for money up front when they have full access to all the accident databases is sharp practice imho.
The Insurance Ombudsman might be interested.
They must well know that people play around with quotes online and experiment.
So to ask for money up front when they have full access to all the accident databases is sharp practice imho.
The Insurance Ombudsman might be interested.
I have been saying for a very long time that the insurance market is long overdue for an investigation into its business practices.
The concept of "treating customers fairly" as applied to other businesses seems to be a completely alien concept to them - it does not impact me much as over the years I have learned how to play the system but many other people are almost certainly being ripped off
The concept of "treating customers fairly" as applied to other businesses seems to be a completely alien concept to them - it does not impact me much as over the years I have learned how to play the system but many other people are almost certainly being ripped off
Andy665 said:
I have been saying for a very long time that the insurance market is long overdue for an investigation into its business practices.
The concept of "treating customers fairly" as applied to other businesses seems to be a completely alien concept to them - it does not impact me much as over the years I have learned how to play the system but many other people are almost certainly being ripped off
Lol! So what exact do you intend to do about it?The concept of "treating customers fairly" as applied to other businesses seems to be a completely alien concept to them - it does not impact me much as over the years I have learned how to play the system but many other people are almost certainly being ripped off
Clockwork Cupcake said:
I wouldn't go near Admiral Group personally.
They are the only insurers I know who treat a Speed Awareness Course as a motoring conviction and load accordingly.
They also exclude factory optional extras when valuing the car if it is written off or stolen.
Other than the fact that they don't. Like many, they used to and may have been one of the last to stop, but they stopped yonks ago.They are the only insurers I know who treat a Speed Awareness Course as a motoring conviction and load accordingly.
They also exclude factory optional extras when valuing the car if it is written off or stolen.
BertBert said:
Clockwork Cupcake said:
I wouldn't go near Admiral Group personally.
They are the only insurers I know who treat a Speed Awareness Course as a motoring conviction and load accordingly.
They also exclude factory optional extras when valuing the car if it is written off or stolen.
Other than the fact that they don't. Like many, they used to and may have been one of the last to stop, but they stopped yonks ago.They are the only insurers I know who treat a Speed Awareness Course as a motoring conviction and load accordingly.
They also exclude factory optional extras when valuing the car if it is written off or stolen.
• The Question: Admiral specifically asks about speed awareness course attendance on the phone and online during the new business or renewal stages.
• Impact on Insurance: Disclosing a speed awareness course to Admiral can result in an increase to your car insurance premium, as they factor it into their risk pricing.
• Honesty is Required: While attending a speed awareness course is not a formal driving conviction and is not legally required to be volunteered to insurers who don’t ask, if an insurer like Admiral explicitly asks, you must answer honestly. Lying or failing to disclose it when asked can invalidate your policy or cause problems if you need to make a claim.
• No Central Database Sharing: Police and course managers (UKROEd/NDORS) do not automatically share speed awareness course records with commercial insurance companies, meaning Admiral relies on you answering their direct question.
steveo3002 said:
If I'm testing the waters for various scenarios i use same postcode, different door number and name you just know they're recording all these quotes.
That's the method I use for all sorts of "exploratory" quotes.To amuse some data analysis gonk somewhere, I make use of Frederick West, Joseph Stalin, Harry Shipman, and assorted others.
nota@goaway.com or similar for email, 07234567890 for the mobile number.
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