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Admiral Multi-Car Policy and AXA advice needed please...
W44NE
Posts: 10 Forumite
Admiral insurance have actually pretty good and helpful, don't get me wrong, however I'm currently having an absolute nightmare with my car insurance.
Two years ago, my girlfriend (who at the time had an "Admiral multi-car" policy with me) had two non-fault accidents within a short period of each other. Both were winter-condition related and it wasn't the best few months. However, it seems that when the claims went through, the insurance database was updated... in my name! I was the main Admiral policy holder so even though I wasn't even in the car at the time of the accidents, and it was nothing to do with me, I'm now expected to declare that these two accidents were non-fault claims of my own... not my girlfriend!
Please note, it's not a "named driver issue", its a "Multi car policy" and that's why admiral have admitted there shouldn't have been an issue. The Multi car policy listed two separate cars. Mine registered in my name and my girlfriend's listed in her name. However, the Multi car policy puts both cars under one policy. The issue arose for the reasons of data protection... They need one main policy holder so they can speak to that person about the policy details.
Therefore, I was classed as the main policy holder, however the accidents happened to my girlfriend in her car but the insurance database saw it as myself.
Admiral are now saying that they've updated the insurance database to show my girlfriend's name, and not my own, however this can take quite a few days to update. Not ideal when you need to renew!!
You can't speak to the Insurance Database directly it seems, unless you wait up to 5 working days for a return call. AXA, the insurance company I want to buy a policy (£3-400 cheaper than the renewal of Admiral) with aren't interested in the situation, even though Admiral have corresponded with them to say the accidents were not my fault.
After 4 days and many, many phone calls, the insurance companies will do anything to hinder rather than help. I'm literally pulling my hair out with despair at the stupidity and unwillingness of AXA at the very least... They're who I'm trying to get insured with as their price is good.
I've just spoken to the insurance ombudsman who said the complaint process can take up to 8 weeks... Not exactly ideal but I've complained nonetheless as it may help with recourse for the future.
The way I see it, I have two options...
1) Wait for the insurance database to update but this could be a long time and cause me to lose income, customers and indeed sleep\money
2) Go ahead with a quote as if the claims were indeed in my name. Then, in a few days, try and resolve the issue by applying for a refund after removing the claims off the system once the database has updated.
It's just a big mess and it's myself that's taking the hit as it looks like I'll be paying a lot more once I've declared the accidents, even though they were non-fault.
Can anyone help me out with tips and advice as to what course of action I should take? The policy quote from AXA has already increased by over £100 and it's getting closer to the original renewal quote from Admiral!!
Two years ago, my girlfriend (who at the time had an "Admiral multi-car" policy with me) had two non-fault accidents within a short period of each other. Both were winter-condition related and it wasn't the best few months. However, it seems that when the claims went through, the insurance database was updated... in my name! I was the main Admiral policy holder so even though I wasn't even in the car at the time of the accidents, and it was nothing to do with me, I'm now expected to declare that these two accidents were non-fault claims of my own... not my girlfriend!
Please note, it's not a "named driver issue", its a "Multi car policy" and that's why admiral have admitted there shouldn't have been an issue. The Multi car policy listed two separate cars. Mine registered in my name and my girlfriend's listed in her name. However, the Multi car policy puts both cars under one policy. The issue arose for the reasons of data protection... They need one main policy holder so they can speak to that person about the policy details.
Therefore, I was classed as the main policy holder, however the accidents happened to my girlfriend in her car but the insurance database saw it as myself.
Admiral are now saying that they've updated the insurance database to show my girlfriend's name, and not my own, however this can take quite a few days to update. Not ideal when you need to renew!!
You can't speak to the Insurance Database directly it seems, unless you wait up to 5 working days for a return call. AXA, the insurance company I want to buy a policy (£3-400 cheaper than the renewal of Admiral) with aren't interested in the situation, even though Admiral have corresponded with them to say the accidents were not my fault.
After 4 days and many, many phone calls, the insurance companies will do anything to hinder rather than help. I'm literally pulling my hair out with despair at the stupidity and unwillingness of AXA at the very least... They're who I'm trying to get insured with as their price is good.
I've just spoken to the insurance ombudsman who said the complaint process can take up to 8 weeks... Not exactly ideal but I've complained nonetheless as it may help with recourse for the future.
The way I see it, I have two options...
1) Wait for the insurance database to update but this could be a long time and cause me to lose income, customers and indeed sleep\money
2) Go ahead with a quote as if the claims were indeed in my name. Then, in a few days, try and resolve the issue by applying for a refund after removing the claims off the system once the database has updated.
It's just a big mess and it's myself that's taking the hit as it looks like I'll be paying a lot more once I've declared the accidents, even though they were non-fault.
Can anyone help me out with tips and advice as to what course of action I should take? The policy quote from AXA has already increased by over £100 and it's getting closer to the original renewal quote from Admiral!!
0
Comments
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Option 3 - renew with Admiral and put in a complaint asking for compensation equivalent to the difference between their quote and AXA's quote.0
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you could be it would be easier to use their complaints system and the FOS if they don't play ball0
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Okay thanks... I'll see where I get with that option0
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