Admiral Car Ins. admin.fee

chanz4

cheap insurance yes, they use howard basford garages, their work is really bad took x3 times to sort my car before I made them send it somewhere else

diamond_dave

Thanks for that advice ,dunstonh. Independent Financial Advisor? Mm!
I got what I wanted, let's just leave it at that,shall we?

ChrisEvanson

dunstonh wrote: »

The risk of the policy has nothing to do with the cost of implementation.



Or stupidPEOPLEwhoDONTreadTERMS.com or IwantSOMETHINGforNOTHING.com



Since when is paying someone a charge for work that you create unfair?



And the cost is passed on to everyone else in increased premiums in future. Yep. Very fair because you got what YOU want.

I'm really staggered that a major poster on this site (moneysaving) has made such an ill thought-out post.

Saving money on anything (be it a coupon used on shopping, haggling the insurance, switching utilities etc) could lead to others paying more. However this is surely a moneysaving site and the savvy ones here save money and the not so savvy ones don't, or pay more?

I really don't get the mentality on this board sometimes, that everyone feels they have to slag a poster off for saving money.

mikey72

diamond_dave wrote: »

Perhaps we should call this site "MoneySPENDINGexpert.com!! Why would it be ok to save 20p off a bottle of washing up liquid or 50p off a packet of crisps but not acceptable to attempt to negotiate a the non-payment of a totally unfair administration charge?
Anyway, I called Admiral again, was polite and asked whether they would be prepared to waive the charge. Not only did they agree to this but also the extra for changing the insurance.
So, 1 x free call and no charge for changing my insurance. Well done, Admiral!

Always ask. :T

I even haggle at Sainsburys.

Parking_Trouble

ChrisEvanson wrote: »

I'm really staggered that a major poster on this site (moneysaving) has made such an ill thought-out post.

Saving money on anything (be it a coupon used on shopping, haggling the insurance, switching utilities etc) could lead to others paying more. However this is surely a moneysaving site and the savvy ones here save money and the not so savvy ones don't, or pay more?

I really don't get the mentality on this board sometimes, that everyone feels they have to slag a poster off for saving money.

Totally agree.

Many people on the Insurance board are here to defend the industry, point out to people the mistakes they have made, how they should live with it and how they haven't read the small print.

dunstonh

ChrisEvanson wrote: »

I'm really staggered that a major poster on this site (moneysaving) has made such an ill thought-out post.

Saving money on anything (be it a coupon used on shopping, haggling the insurance, switching utilities etc) could lead to others paying more. However this is surely a moneysaving site and the savvy ones here save money and the not so savvy ones don't, or pay more?

I really don't get the mentality on this board sometimes, that everyone feels they have to slag a poster off for saving money.

No issues with people saving money or haggling. My post was purely in response to post #5.

For example:
totally unfair administration charge? - They are not unfair. They are logical and encouraged by the regulator who prefers explicit charging as its cheaper for most people.

If the charge is unfair, then why buy the policy in the first place?

So, after a number of costly calls and the insurer losing the income, that cost will be passed on to others. Why should others pay for work created by one person? (think bigger picture rather than the individual)

mikey72

dunstonh wrote: »

No issues with people saving money or haggling. My post was purely in response to post #5.

For example:
totally unfair administration charge? - They are not unfair. They are logical and encouraged by the regulator who prefers explicit charging as its cheaper for most people.

If the charge is unfair, then why buy the policy in the first place?

So, after a number of costly calls and the insurer losing the income, that cost will be passed on to others. Why should others pay for work created by one person? (think bigger picture rather than the individual)

Because we don't think they're always reasonable costs, and we don't want to pay them either, so we're not going to slag of a poster that thinks the same?

Think much bigger picture.

It's the same way I always get slated by posters that object to me advising other posters to use the FOS, because it may add a fraction of a penny to their premium.
I'm alright Jack, you can pay for our cheap premium by excessive charges. That's individual.

MiserlyMartin

ChrisEvanson wrote: »

I'm really staggered that a major poster on this site (moneysaving) has made such an ill thought-out post.

Saving money on anything (be it a coupon used on shopping, haggling the insurance, switching utilities etc) could lead to others paying more. However this is surely a moneysaving site and the savvy ones here save money and the not so savvy ones don't, or pay more?

I really don't get the mentality on this board sometimes, that everyone feels they have to slag a poster off for saving money.

Thats because this probably hit a nerve. In the world of financial advisors they tend to charge admin and commission for every little thing. I've had totally wrong financial advice from my company pensions IFA, its a good job I didn't take it or my pension would have lost many thousands. I'm paying a commission out of my pension that goes to the IFA, for zero work, since I don't seem him or want to see him after that episode.

To the OP the £17.50 charge for a job that takes 5 mins and costs a few £ is completely out of proportion and you are completely justified in feeling ripped off. Ignore those T's&C's people on here. I don't really understand this site and why quite a lot of people, instead of being helpful, seem to only post in order to display their imagined superiority, and just pick pick pick at OP's questions.

After all as just said, this is a site about saving money, not picking at people for wanting to do that.

chris-j

Total agree with miserlymartin . £17.50 standard admin fee is disproportionate to change being requested. Since changes such as this are pretty much automated it is shame Admiral don't have any online change facility.
Issue is insurance industry run the same rackets as airlines by having crazy fee structures. Everyone should always challenge high admin fees . Perhaps a structure of no charge for 2 changes per year which means most users would never be in this situation.

losgiganteskid

[QUOTE=dunstonh;51104275


And the cost is passed on to everyone else in increased premiums in future. Yep. Very fair because you got what YOU want.[/QUOTE]


Isn't this the case that applies to insurers "new business quotation departments" - they have massive overheads, but the insurers don't try and get the user to pay for that service do they ? - new business quotations are free, unless you know otherwise !

So all existing policyholders are paying indirectly for their insurers to offer and supply a service to non paying clients - and who pays for that - ?- finally got it........all existing policyholders.

Your comments on making it fair that the ones that use the service should be the ones that pay - don't really stack up on that arguement

Now of course if insurers actually charged for a new business quotation, that would be a different story - wonder why they don't !!