Admiral Multi car question

curtis122

I am just looking into renewing the car insurance and I am currently with Admiral for 1 car but have a 2nd car and have got a quote for adding it under Admiral's multi car policy with the 1st one which came out a bit cheaper.

I am looking for the catch, I take it as its one policy if you have an accident if effects the whole policy and the cost of both cars could go up?

Also in regards to NCB, when going through their quote system for a single car I could chose to protect my NCB but this was not an option when i went through to get a Multicar quote. I have 7 years NCB my partner only has 1 so what does this mean if I have an accident do I lose them? Can I not protect them anymore under this type of policy?

Is there anything else I need to be aware of, I'm of the sort that if it sounds too good to be true there is normally a catch!!

lisyloo

I don't know for sure but I suspect the catch is that you will only have one lot of NCB.
This means that should you go for 2 policies in future, one of you will have to start from scratch (unless it's within 2/3 years in which case the old NCB will still be valid).
The other disadvantage is that as you say, an accident on either car will affect the single NCB rather than just one.

I'm not 100% on how it works, but it's certainly an area to look into.
Whatever happens keep you latest renewal notice(s). The NCB is valid for 2 years with most insurers and longer with a select few (although very limited choice after 2 years).

There isn't necessarily a catch. It's just effectively a bulk buying discount.

curtis122

Well according to the info I've read and when we completed the quote we still keep our own NCB as when we added the cars we had to say which person was to get the NCD on which car and I read if one person has an accident it does not effect the others NCB my main concern is as I have 7 years are they protected as I don't want to save a hundred pound by doing it this way then find I have an accident lose a chunk of my NCB and then its cost me hundreds more on my policy as I don't have as many NCB to help keep it lower.

Quentin

lisyloo wrote: »

I don't know for sure but I suspect the catch is that you will only have one lot of NCB.
This means that should you go for 2 policies in future, one of you will have to start from scratch (unless it's within 2/3 years in which case the old NCB will still be valid).
The other disadvantage is that as you say, an accident on either car will affect the single NCB rather than just one.

No.

Each car held in a multicar policy earns its own NCD. A fault claim affects only the NCD of the car involved in the claim.

Quentin

curtis122 wrote: »

Also in regards to NCB, when going through their quote system for a single car I could chose to protect my NCB but this was not an option when i went through to get a Multicar quote. I have 7 years NCB my partner only has 1 so what does this mean if I have an accident do I lose them? Can I not protect them anymore under this type of policy?

As already posted, each car retains its own NCB.

You can protect your NCB on multicar policies (may need to speak to them to arrange this).

Admiral's max NCD is 5 years. So without protection one claim would drop your 7 years down to 3.

curtis122

Each car held in a multicar policy earns its own NCD. A fault claim affects only the NCD of the car involved in the claim.

So to be clear if I am on one of the cars as the main person to get the NCB on that car with my partner as a named/second driver he then has a prang in it. Who's NCB will be effected?

As from that statement it makes it sound like my NCB's will be effected not his because i am down as being associated with that car from the point of view of NCB even though he was the one driving???

Quentin

The way they treat NCB is no different from a normal policy.

The policyholder for each car included in the multi car set up gets separate NCD for their own car.

In your scenario, if a named driver is involved in a fault claim, then that car's NCD only would be affected. (ie yours)

POPPYOSCAR

We have Admiral Multi car for three cars.

We were told that it is like three policies under one roof and operates like three individual policies having the same renewal date although it is one policy.

We were told that any accident/claim would not affect the other two in any way.

Speak to Admiral about this they are the best source to clarify if you are not sure.Ask for it in writing if you are still unsure.



We all have protected no claims.

Lord_Bungle

my experience with Admiral multicar
1 Quoted me a price, then increased it when I am about to pay.
2 Taken money for the renewal of the policy for car no1 3 months before it was due and after they told me they wouldn't.
3 Managed to spell my name wrong on cover notes and policy (This is after me being a customer for 2 years and them spelling it right)
4 today I get a letter informing me they are charging me another £48 as they haven't received proof of no claims from my previous insurance company, (read point 3 and guess what company that would be)

not bad for a policy thats not even a month old is it

POPPYOSCAR

Lord_Bungle wrote: »

my experience with Admiral multicar
1 Quoted me a price, then increased it when I am about to pay.
2 Taken money for the renewal of the policy for car no1 3 months before it was due and after they told me they wouldn't.
3 Managed to spell my name wrong on cover notes and policy (This is after me being a customer for 2 years and them spelling it right)
4 today I get a letter informing me they are charging me another £48 as they haven't received proof of no claims from my previous insurance company, (read point 3 and guess what company that would be)

not bad for a policy thats not even a month old is it

Do they do this automatically direct to the previous insurer then as we have never been asked to provide proof of this.?

Quote

I think the catch is it's with Admiral.