Where's this extra charge come from from Admiral?

Nine_Lives

My gf & i recently took out car insurance with Admiral.

I've 9yrs driving behind me, 3 years NCDs. 1 claim within the past 3 years. This time round i took out a 10 month policy to get my 4yrs sooner (for 1 it brings my renewal month out of January - not a good month, and for 2 - you can then protect your NCDs which i didn't do when i had a claim against me).

As like any other time, i have no voluntary excess, and £150 compulsory.

My gf is 1yr older than me at 29, has 5yrs experience & 5yrs NCDs with 0 claims. Hers is a 12 month policy.
This time she protected her NCDs after what happened with me.

Also, this time round she has the £150 compulsory, but also a £60 voluntary.

What's this £60 all about? Is that the charge for protecting? Even though protecting didn't bump her quote up by £60.

Also, the policy number format has changed.

It used to be AD MOT xxxxxxx but now there's numbers & letters, a slash / and an R25 at the end .... for both of us.




For a 3rd pointer - multi car policies - can your 2nd driver also build up no claims? Or are they admiral no claims & can't be transferred anywhere else?

jem16

K_P83 wrote: »

Also, this time round she has the £150 compulsory, but also a £60 voluntary.

What's this £60 all about? Is that the charge for protecting? Even though protecting didn't bump her quote up by £60.

That's the excess she will have to pay on any claim. £150 is compulsory and she has chosen a £60 voluntary excess so a total of £210.

dunstonh

Taking on a voluntary excess on top of the compulsory can reduce the annual premium. The greater the voluntary excess, the lower the premium. It can often make sense taking on some voluntary excess as it wont take long to break even but there comes a point where it is no longer worth doing it as the amount saved is not cost effective over the long term.

Nine_Lives

I'm not being funny here guys (hard to tell when just reading text i know) but i know what compulsory is & i know what voluntary is.

I was there when the form was filled out. It was done exactly like mine. So what i'm saying/asking - is WHY is it there? It wasn't there last year.

As we're both over 25, there's (in years gone by) a default voluntary of £0, and we've always left it at that. So whatever hers should be, mine should be the same - as we filled the form out the same - i saw it.

More importantly, is that there's not even a £60 option. Take a look:



The closest is £50, but £50 is £50, not £60.

The only difference this time round is that she has protected her no claims, but when getting a quote for protected & non-protected, the difference was about £20, not £60.

So the question remains - where is it likely to have come from? As it's not even a selectable option.

keith1950

What's this £60 all about? Is that the charge for protecting? Even though protecting didn't bump her quote up by £60.

£60 voluntary is not a "charge", it reduces your premium as already explained.

I'm not being funny here guys

I think you are not explaining yourself clearly enough.

Are you saying that when you filled out the form you selected zero voluntary but when you received the paperwork there was a voluntary excess ??

Is that the charge for protecting?

This is the bit that has made others thinks you didn't understand about voluntary excess otherwise you would not have linked an excess to protecting your NCD.

Without seeing the paperwork I don't think anybody can give you a definative answer.

[Deleted User]

K_P83 wrote: »

So the question remains - where is it likely to have come from? As it's not even a selectable option.

I would ring them up and ask them.

InsideInsurance

So has the £60 voluntary excess turned up on the renewal documents or on a new business? It is possible for insurers to offer more options than they choose to expose via their websites. There is a strong school of thought that if you give people too many options that you actually lose business because people get confused or they end up playing with them rather than buying etc

Ultimately the quickest way to check is to phone admiral and if it is a renewal quote and you dont want the voluntary excess as them to requote you with the voluntary excess removed.

Nine_Lives

No there was no voluntary on the renewal for either of us. This is as new business because it was cheaper that way.
My voluntary remained £0 whereas the gf's was £60.
I could understand it being on a compulsory, but surely on a voluntary would be the applicants choice!?

keith1950 wrote: »

Are you saying that when you filled out the form you selected zero voluntary but when you received the paperwork there was a voluntary excess ??

Correct

dunstonh

K_P83 wrote: »

No there was no voluntary on the renewal for either of us. This is as new business because it was cheaper that way.
My voluntary remained £0 whereas the gf's was £60.
I could understand it being on a compulsory, but surely on a voluntary would be the applicants choice!?
Correct

Ok. Ring admiral, tell them that the addition of a voluntary excess was not requested. They will remove it and you will have to pay the increased premium.

rudekid48

K_P83 wrote: »

My gf & i recently took out car insurance with Admiral.

I've 9yrs driving behind me, 3 years NCDs. 1 claim within the past 3 years. This time round i took out a 10 month policy to get my 4yrs sooner (for 1 it brings my renewal month out of January - not a good month, and for 2 - you can then protect your NCDs which i didn't do when i had a claim against me).

As like any other time, i have no voluntary excess, and £150 compulsory.

My gf is 1yr older than me at 29, has 5yrs experience & 5yrs NCDs with 0 claims. Hers is a 12 month policy.
This time she protected her NCDs after what happened with me.

Also, this time round she has the £150 compulsory, but also a £60 voluntary.

What's this £60 all about? Is that the charge for protecting? Even though protecting didn't bump her quote up by £60.

Also, the policy number format has changed.

It used to be AD MOT xxxxxxx but now there's numbers & letters, a slash / and an R25 at the end .... for both of us.


For a 3rd pointer - multi car policies - can your 2nd driver also build up no claims? Or are they admiral no claims & can't be transferred anywhere else?

Great. What did Admiral say when you asked them.............I mean, I assume you have asked them, seeing as they are the obvious ones to ask and the only people on the planet that can answer your question, you wouldn't be daft enough to not ask them and just throw out a random question on a forum right? No of course not, silly me.

rs65

Is this connected to the NCD protection?

I seem to recall that an insurer (can't remember who) applied an increased excess if you opted to protect your NCD - which might explain why the £60 is shown as voluntary.