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So, back in September someone drove into my car when it was PARKED. Amazingly they left details.
Took over 2 weeks for Admiral - to get their gaping anuses in gear; it took daily phonecalls (god I hate their "on hold" music) to chase up as while I had full name/ address/ policy details for the other person, they didn't leave a phone number and their reg no was illegible cos the corner of the note got wet. Admiral claimed that was insufficient info; finally sorted by Admiral phoning the other insurer (at my insistence to a supervisor, apparently that isn't standard practice! FFS).
Anyway car repaired, all good but I have to pay my excess and claim it back. Which I did, but it took over 3 MONTHS to get that back. I was passed passed between Admiral, their claims handling people and finally a solicitor. Several times I was asked if I wanted to pursue a claim for any injuries. NO I WASN'T EVEN IN THE EFFING CAR. HOW COULD I BE INJURED????
Now I get my renewal from Admiral and it's gone up by an amazing 50%. Phone them up to ask why - apparently it's because I have had an incident in the past year, even though non-fault, and that affects my history.
Anyway 15 mins online and I'm now paying less, for better cover, than I was last year with Admiral.
So ADMIRAL - avoid, unless you know you will not need to claim anything, or like speaking to a vast array of idiots and incompetents on the phone, or want a grossly unfair approach to be taken to your renewal. In any of these cases, I heartily recommend them.
Hmm, I did a quote for Admiral multicar at the start of this week. Quote for 2 cars and 2 drivers is only £20 more expensive than my renewal on 1 car from Swift cover.
...That said I am now been pestered by calls from Admiral all week which is driving me insane...to the point I'm almost not going to bother with them at all.
Good Thread!
Used to have a 3 car multicar policy with them... but the last quote was WAAAAY over what I could get insuring the cars individually... and then they didn't cancel their credit card grab...
muppets
Jon - don't do it!!!!!! Seriously.
Multicar is another scam; we got a quote that was only about 50 quid cheaper than insuring two cars separately, but it combines your no claims history - might work for in person with 2 cars, but for 2 people/ 2 cars not so clever....
Been with them 10 years or so myself. A few years back someone nicked the wheels on my car, they sorted a garage to collect it (and deliver a courtesy car) the next day and was all fixed with minimal fuss (needed new side skirts and other bits from when it had been left half on bricks). They were originally only going to pay part of the replacement tyres I think but sent them receipts showing they had less than 5k on them so they paid the full amount. There was a crack on the front indicator I didn't think was there before either (noticed when I collected the car) so they paid for that to be replaced to.
My premium actually went down at next renewal (although I do have a protected no claims as well).
I wouldn't go out of my way to recommend them (and some years they do take the piss with the renewal cost before you phone them up but that's standard industry practice) but I've no intention of switching provider any time soon.
Premium increase after a claim is standard irrespective of fault.
I tried to take my ex partners car off what was my multicar policy (she renewed after i'd got my insurance and was advised MC was cheaper). it was a right nightmare, they said that I had to start a whole new policy (even though i'd paid my policy outright) and that it wouldn't be possible to do it anyother way so I rings them on a sunday (the day before my renewal date) only to be put through to an indian call centre who said that they were closing in a miniute and that they'd get someone to call me back tomorrow - they didn't and I had to spend 40mins on hold.
luckily this person was english and could understand my frustration and eventually changed everything and I even got a rebate as i'd moved to a less risky area!
in all there isn't much consistency with their advisors - some are good and some are totally usuless.
but it combines your no claims history
What do you mean? GF and I are with them (they were vastly cheaper than anyone else), and maintain separate NCBs?
Premium increase after a claim is standard irrespective of fault.
My premiums have never increased after my non-fault (fully recovered) accident, I've always done online checks both with and without it declared and the first renewal after the accident my premiums went down.
Multicar is another scam; we got a quote that was only about 50 quid cheaper than insuring two cars separately, but it combines your no claims history - might work for in person with 2 cars, but for 2 people/ 2 cars not so clever....
What do you mean they combine your no claims?
Have you signed in full settlement yet?
If not, wait. You may be able to argue for reason future costs as a result of the claim to be clawed back.
I didn't know this and ended up paying increased premiums for almost 5yrs.
FYI
Will my No Claims Bonus be affected if a claim is made?If a policyholder covered by your MultiCar policy makes a claim or a claim is made against them, only they are affected. The No Claims Bonus of any other policyholders covered by the same policy won't be affected.
Now I get my renewal from Admiral and it's gone up by an amazing 50%. Phone them up to ask why - apparently it's because I have had an incident in the past year, even though non-fault, and that affects my history.
I think the logic is that they deal with imperfect information, so if I'm a 'perfect' driver, but my commute involves lots of stop lines at junctions, then someone rear ends me and I claim, my commute is still the same, and I'm still just as likely to get hit form behind, so the premium goes up even though my driving is still 'perfect'.
So in your case they assume you still park in the same car park, with the same dozy drivers, youre still likely to get hit, it's just that before they didnt know this.
HonestJohn argued that someone should test the protect NCD and a subsequent rise in premium from a no fault accident in a court as 'he' felt at that time its likely the Insurer may lose.
I can't remember a date but it was within the last two years in a Editorial in the Sat Telegraph motoring section.
Yeah protected NCD could go the way of PPI, although insurers don't have deep pockets like banks so I could see a few folding rather than paying out.
You can't win - whatever happens to you they'er always going to be able to show with some clever stats you're only ever more of a risk to them no matter what happens to you. In fact, based on normal basic A level stats, you only get more likely to have an accident as time goes on, so that in itself would give them reason to increase your premiums. You're screwed - it's a business out to make money based on the chance something might happen to you - you're charged on the back of a probability that can be calculated however they like.
my renewal with admiral this year was 1900, got i through elephant (which is owned by admiral) for 900...
Premium increase after a claim is standard irrespective of fault.
no, it's not. check the definition of indemnity, which is what insurers provide.
Direct Line didn't change; got a quote without disclosing the incident, then went back and put it in "hit by 3rd party vehicle/ object, recovery made" and made no difference to the premium. Happened in a car park I'd never parked in before, and unlikely ever to use again.
On no claims, my gf didn't have no claims at the time (she had an outstanding claim that was never pursued due to absolute ineptness of Admiral's claims handling team) but I did; basically they said she could piggyback on mine but if we had a claim we'd both loose NCB on a multicar policy.
ineptness of Admiral's claims handling team
Or by design they drag their feet?
basically they said she could piggyback on mine but if we had a claim we'd both loose NCB on a multicar policy.
That's reasonable though - if she benefits from your NCB then it's fair enough you both lose it if you claim - to be honest I'm impressed they gave her the discount.
If someone leave there details - call them and ask them to pay for the damage, the repairers are usually cheaper for private fixes, it saves both your premiums going up, easy.
if the other person reversed into you why aren't you claiming against their insurance company and not your own?
Because that's how its meant to work.
Del - Member
Premium increase after a claim is standard irrespective of fault.no, it's not. check the definition of indemnity, which is what insurers provide.
OK "future premiums will account for any previous losses irrespective of fault and may well increase" does that do you?
I know what indemnity means, I don't see how that's relevant here though?
Couple of years ago my car was legally parked and written off by a Lithuanian lorry.
I arrived on the scene to find my car completely crushed and the police sending the driver on his way as he was causing an obstruction and didnt speak english!
I jumped in his cab and refused to let him go till I got some identification or details of where he was from/going. The police officer was a bit upset with me but sod it.
I made the mistake of giving the details to my insurer.. End result.. They couldn't track him down and I lost my no claims (even though I didn't claim!!)
Hmm, similar experince with Churchill who could not 'trace' a driver who lived on the same street as me, who had left details, but was uninsured.
I have a letter from Churchill admitting they were crap, refunding NCB, excess and policy for the year, and a £50 M&S voucher and a pleading ending not to continue with my court action...
Insurers are basically legalised scams. This years 'incident' involved an accident 350 miles from where we live, on a day I could prove where the car was (airport carpark) and described our blue Touran as a red Astra....but our registration had been given at the scene. It took 2 months, photo's of our car, garage report of no damahe on our car all sorts of proof - and lots of 'where are you up to?' emails and calls. In the end our insurer (Axa) did escalathe things and deal with it well, but by heck it took time and us pushing..the other insurer was Admiral....