Admiral Car Insurance Con

metalstardust

How’s this for a trick to get you to renew your policy.

Both our cars are insured with Admiral. Separate policies not multi car.

My Wife’s car renewal comes through.
I do a price comparison and Admiral looks good so we renew.

Two months later we get a letter. We will take another £71.56 from your credit card. We found a discrepancy. What they found was on my policy there was a no fault claim last year. Another Admiral insured driver ran into my car.

When I did the price comparison I declared the no fault claim.
Did not realise that Admiral had not picked up even though we are both insured with them.

So good trick wait for you to renew then say we spotted the no fault claim on your policy. Had they included at renewal time we would have switched.

Plus how the hell can they charge my wife an extra £71.56 for having a named driver who was sat stationary in a car park when somebody ran into them?

We are now going to switch both our policies to another provider.

InsideInsurance

Or is it a bad trick that you did when you checked the paperwork for the renewal, noticing that the claim wasn't noted and then "forgetting" to mention it to them thinking you've gotten away with it?

Presumably you have her as a Ph on one policy and as a ND on another? The reality is that it is fairly difficult to identify people across multiple policies when you potentially had different information (NDs normally just have age rather than dob, people may spell names differently - vicky -v- victoria etc) and people would certainly get angry if their twin sister's accidents suddenly get registered to you because they believe they are one and the same person.

TDPIX

So the price comparison site's software failed and didn't send through a fault claim, and you want to blame the insurer? Riiiight...

When you sign up with Admiral (or any other insurer) they do ask you to double check all the details. You didn't, and now you're complaining?

pinkteapot

TDPIX wrote: »

So the price comparison site's software failed and didn't send through a fault claim, and you want to blame the insurer? Riiiight...

From my reading of the original post, they didn't buy the insurance through the comparison site anyway. They compared and then just renewed with Admiral using their renewal paperwork (which didn't list the claim).

By the way OP, when you accepted Admiral's renewal price, did you reduce the value of the car from last year? I only learnt recently that I should update the car's value each year as they just keep it the same (after three years of insuring my car for the £3k I bought it for, during which time it had depreciated to about £1k!). Brings the price down quite a bit.

The onus was on you to check the renewal paperwork and declare any errors or omissions.

And if you switch provider and it costs you more then you're going to be cutting off your nose to spite your face.

SuperHan

Ring them and ask about how you claim this money back from the other person's insurer... As you were at no fault, you are entitled to claim all consequential costs back from the third party.

Maybe when Admiral realise that they will have to foot the bill anyway, they'll just refund?

JimmyTheWig

They (or one of their sister companies, possibly Bell) did something similar to me.

Someone ran into the back of me. Their fault, clearly.
Caused no damage to my car (but my tow bar caused no end of damage to theirs!).
So I didn't make a claim, but did have an incident.

At renewal, 18 months later, I went through two different price comparison websites. One had the option to say I had had an incident, so I declared it. The other only had the option to declare a claim, so I didn't declare it.
Obviously, with hindsight, the latter came out cheaper and I went with it.
Paperwork came through. I know I was supposed to check it, but I was confident that I had answered all the questions correctly. So didn't bother.

Got a call some time later accusing me of making a fraudulent application. While I know how it would have looked, that wasn't my intention at all.
At that point they have you over a barrell. Either you pay their hefty additional fee or they cancel your insurance. You don't want to have to answer "Yes" to the "Have you ever had insurance cancelled?" question, so you have to pay the fee.

I accept that it was my fault, but I do believe that their systems could have checked it out on application. Particularly as it was the same company I was with when I had the incident.

At least it's a lesson learned. I now read the paperwork when it comes through! I'm still with Admiral now. They always match my best quote at renewal, which makes things easier.

metalstardust

pinkteapot wrote: »

From my reading of the original post, they didn't buy the insurance through the comparison site anyway. They compared and then just renewed with Admiral using their renewal paperwork (which didn't list the claim).

Correct
I remembered to mention when doing a comparison, but missed the fact Admiral did not list on the renewal.

My point is how convenient for Admiral not to spot it at renewal but a few weeks after taking the money they suddenly spot it. Very handy. We could have switched and saved money even with the no fault claim. Other insurance companies don't seem to be bothered by a ND having a non fault claim.

Also how come the no fault claim had no impact to my renewal but adds £71.56 to my wife’s policy?

We will be switching, maybe not until the next renewal but we will switch.

metalstardust

SuperHan wrote: »

Ring them and ask about how you claim this money back from the other person's insurer... As you were at no fault, you are entitled to claim all consequential costs back from the third party.

Maybe when Admiral realise that they will have to foot the bill anyway, they'll just refund?

Nice one :rotfl:

The person who hit me was with Admiral.