The Idiots at Admiral Insurance paid out for this

trojan10_om

See that circular hole the size of a £2 coin and tucked away behind the back bumper, apparently I caused I caused that damage by going into the back of him. Surely I would need a spike pointing out of my car to cause this.

They paid out £450 to get it repaired, and what is worse they didn't even tell me until I came to renew my insurance and they said "sorry sir, but you no longer have 3 years no claims bonus".

I'm outraged about this, as on Tuesday I have to renew which I doubt will give me any time to contest.

The claimant was also Admiral, so do you think they just paid out for convenience?

colino

The path of least resistance is using customers premiums to maintain a thoroughly deskilled business model. No real assessor would have seen that, so a nice, cheap administrative pay out occurred. With these cheap companies the first time you use them you find out why they are so cheap. I was in exactly the same boat a few years ago with Admiral and, like you, first found out about a bogus pay out when it came to renewal. Easy to take your business elsewhere, but you will be doing it on a reduced NCB and that you will find is impossible to redeem because they have an organisation set up to go round in circles getting you no-where. Complain long and hard, but I really doubt they will admit to a fault and reinstate your NCB.

arcon5

I'd start by getting quotes based on 4year ncb.
Then make a formal complaint. Denying liability and asking for proof.
The goal being getting your premium back to what it should have been and claim removed.

deanos

the pic is quite small but it looks like the damage is from the inside coming out ?

topdaddy_2

So how did that damagae happen? Looks to me like something penetrated from the inside out. And presumably you was involved in a accident with the vehicle?

Rolandtheroadie

The damage shown on the vehicle looks to be caused by the boot lock being ripped out.

trojan10_om

There was an incident, but I wouldn't call it an accident. He slammed his breaks on at a roundabout from a low starting speed, i think I may have slightly touched him from the back, but certainly not with any impact at all.

Can I still renew with my NCB and keep contesting or will my insurance be invalid?

tberry6686

Thats a Mazda MX-5 and, from experience, I know that the bumper is designed to deform around the boot lock like that. It can happen even in a low speed bump so I would not be surprised if the OP did cause it. (I'm on my third bumper for this reason - both bumps were low speed but did the same damage as this)

Norman_Castle

Google images for that year MX-5 boot lock. It does look like the lock has been pulled out. If it is ask how this would have happened in an accident. Is it possible a failed lock is being claimed for as accident damage?.

Norman_Castle

Looking for an image and found this. :rotfl:

tberry6686

Norman_Castle wrote: »

Google images for that year MX-5 boot lock. It does look like the lock has been pulled out. If it is ask how this would have happened in an accident. Is it possible a failed lock is being claimed for as accident damage?.

When you have a rear end shunt in these cars, the bumper pushes in around the lock and when it springs out again it looks as though someone has pulled the lock out - it's happened to mine twice - it's a "so called" feature to prevent the lock being trashed in this scenario.

To my mind the insurance company are right to repair/replace the bumper. £450 is actually a pretty low price for this and will just about cover the bumper, I would put money on the lock not being replaced as it should be fine.