Problems with admiral

agarnett

rs65 wrote: »

Once again, why the aggression?

I have truly helped the OP. If I hadn't corrected your advice about premium that has been irrevocably taken (based on 1906 legislation), they would be £550 worse off.

Please, no more personal and offensive comments.

I wasn't basing my "irrevocably taken" on 1906 legislation. Have you Googled irrevocably and found the word irrevocably in there or something :rotfl:

The insured is STILL £550 worse off because you haven't and no-one else has explained how to make your FOS judgement driven revelation stick! There is no replacement car as far as we have been told just yet, so where is that £550 (or possibly £648) now? It's still in Admiral's coffers, is it not? So how does grdY30's partner get it out? Can they get it as cash? If not, how long before their entitlement to the insurance credit expires? Does it expire for example at the end of the original annual policy period, or is it a suspense credit which can be restarted later?

rs65

agarnett wrote: »

I wasn't basing my "irrevocably taken" on 1906 legislation. Have you Googled irrevocably and found the word irrevocably in there or something :rotfl:

Your words from post #7

agarnett wrote: »

If not, how long before their entitlement to the insurance credit expires? Does it expire for example at the end of the original annual policy period

It is payment for the policy period. The OP needs to speak to Admiral.

agarnett

Yes my words from post #7, and not the 1906 Marine Insurance Act you tried to attribute or link them to!

So grdY30's partner needs to speak to Admiral about maybe three things:

1. Whether there is an uninsured loss recovery or legal expenses type cover with the original policy which could be employed to get the £500 excess back?
2. What flexibility in credit Admiral may be able to offer against insurance on a replacement car - possibly up to £550's or even a further £98's worth, but the remaining policy period clock has been ticking since the prang so already a chunk of all of it may be lost "irrevocably" unless Admiral are in goodwill / ex gratia mood?
3. (with care and sensitivity and supporting evidence) try to open up some renegotiation of the market value ?

Can we agree on those 3, rs65?

rs65

1. I suggest they read what they have bought
2. Not credit. The policy is paid up until renewal, based on previous car details.
3. I have no idea.

agarnett

rs65 wrote: »

1. I suggest they read what they have bought
2. Not credit. The policy is paid up until renewal, based on previous car details.
3. I have no idea.

Don't we consumers just love the precious delicate types with their oh so superior words

OK grdY30, so,

1. Seems MSE's finest is telling you to go read what your partner bought, but if policy wordings faze you just like they faze perhaps 99% of the UK personal insurance customer base, I suggest you or the partner call Admiral and ask if there was any uninsured loss cover or legal expenses cover included in the original policy which might be good enough to get the excess back.
2. rs65 seems now to be sitting playing some kind of game splitting hairs, so while he or she does that, you may consider calling Admiral and asking in what ways you can and cannot use the premium you already paid on one defunct car, on insuring a possible replacement - just don't call it "credit owed" :rotfl:
3. rs65 isn't any kind of negotiator, so maybe you may have to play it by ear whether or not you wish to make a big thing about any undervaluation they employed when they arrived at the £1,400 figure. Depends how confident you are you can argue it and back your arguments. And whether 1. & 2. might be easiest to kick off with ...