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The Idiots at Admiral Insurance paid out for this

xm1jy1.jpg

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?
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Comments

  • colino
    colino Posts: 5,059 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    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
    arcon5 Posts: 14,099 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    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
    deanos Posts: 11,236 Forumite
    Part of the Furniture 10,000 Posts Uniform Washer
    the pic is quite small but it looks like the damage is from the inside coming out ?
  • topdaddy_2
    topdaddy_2 Posts: 1,408 Forumite
    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?
  • The damage shown on the vehicle looks to be caused by the boot lock being ripped out.
  • 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
    tberry6686 Posts: 1,135 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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
    Norman_Castle Posts: 11,871 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 27 July 2014 pm31 12:50PM
    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
    Norman_Castle Posts: 11,871 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Looking for an image and found this. :rotfl:
    images?q=tbn:ANd9GcTirTMALSuk7QACbT-QQ06sk5P7H7Rgx3U3rlHNTEECiZO68SPv
  • tberry6686
    tberry6686 Posts: 1,135 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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.
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