Admiral multicar - help please

ROY47

Ask them to change the main policyholder to you and direct debits to your account

when I started my multicar with them ,my wife's car was first then a month later daughters car was added and now mine 6 months later

The policy is held overall in my wife's name and our joint account so no worries that daughter hasn't got the funds ,they told me that if I want to change it to me being the main policy holder , I could do it when my car came on to the policy

greenbee1

Thanks roy. From the replies I have had up to now it seems we are all criminals ! They have failed to pay one instalment to admiral for which we are now going to suffer dire consequences . I just want them to be insured.

ROY47

when you want to be completely legal the so.. won't help you I find

kwaks

Is there a cancellation charge on the policy? Would it be easier for you to cancel and reset them up? Get a quote to check it out.

Try to avoid the policy being cancelled by them at all costs

Quote

greenbee1 wrote: »

OMG this is horrendous . Does anyone have anyone have any good news ?

An insurance default doesn't constitute having "had insurance cancelled".

bouncydog1

Whose name is the policy in? From your post it is unclear.

If the policy is in the name of daughter 1, then she is the policyholder and as such the contract with Admiral is hers. The mess of the payments etc will be hers to deal with and her credit record affected.

You need to sort this quickly - they have asked for the full premium balance which needs to be paid - others have offered options for payment and this is really what you need to focus on. You can then rethink about the best way of ensuring funding in future.

Quote: please explain the basis of your comment - the letter from Admiral clearly states that the policy will be cancelled in 7 days. I can't see how that means anything different - when insurers ask if you have ever had a policy cancelled you would have to answer yes and then an explanation.

greenbee1

The policy was taken out in october in my daughter 1 name -this has been paid till march satisfactorily. daughter 2 was added in february adding a further premium and the instalments doubled. I was due to be added in July. The email as shown in the first post was addressed to daughter 2. Now I am confused. Are they cancelling the whole policy or just hers ?

mikey72

Quote wrote: »

An insurance default doesn't constitute having "had insurance cancelled".

Not good advice.

JasonLVC

Is there sufficient money in the account of Daughter 1 now so that if the DD was presented once more it would be paid?

If so, it may be worth instructing the bank to make a payment to the insurers now (by standing order, BACS, whatever).

From Admirals' view, they've tried twice to claim their money and got nothing and still have not got anything at this late stage so it looks to them as if you;re not interested in paying.

If they recevied funds then it may support your argument that it was an administrative error/oversight and that everything is now back on track.

Worth a try perhaps?

bouncydog1

Has daughter 2 got her own car or is she a named driver on daughter 1's policy?

It sounds as if what you are saying, is that the premium increased when daughter 2 was added to the policy to drive the car insured by daughter 1 (which would be reasonable because she is only 18 and insurers would require an extra premium for the additional risk she presents due to her inexperience).

If that is the case, then the liability for the payment will be with the policyholder - daughter 1. Presumably there was an agreement between the 2 of them that daughter 2 would pay the increase in the monthly premium and didn't have the money to do so.

If this is the case, then daughter 1 is going to have to find the premium being requested to avoid having the policy cancelled, and all that will entail going forwards as previously outlined.

Can you somehow loan her the money - can she get an overdraft facility etc. etc.

If insurers have already refused to accept the payment then there is little to be gained by sending the instalment to them, because they will either return it, or keep it towards the balance of premium and still insist on having the rest.