Admiral insurance - non-fault claim

StuMcBill

Hi,

My car was bumped in a car park by someone else, they admitted that it was them, and I have their personal and insurance details.

I contacted them after getting a quote from a body shop, and they decided they wanted to go through their insurance to get it repaired, and asked that I contact my insurance (Admiral) to make them aware.

Admiral were fine with this, however, they gave me 3 options:

1. Non-Fault Claim - Admiral stated that I could use their non-fault claim service, which means that I wouldn't have to pay an excess and wouldn't affect my no-claims bonus. However, I am concerned that this would increase my premium in future, as I will have to disclose this to potential insurers in the future. This would be dealt with via a 3rd party, but administered by Admiral.
2. Standard Claim - go down the standard claim route.
3. 3rd Party insurance - claim on the other parties insurance. The only thing about this is that I (or my insurer) would not have any say in where the car goes for repair, or have any control over the process.

I'm really not sure how to proceed from here. I'm leaning towards the Non-fault claim via Admiral, but a bit wary about how this would affect premiums going forward. Also, a bit miffed that the 3rd party may not have to pay anything / be out of pocket for bumping my car?

Any advice would be gratefully received.

Thanks,
Stewart

Penelopa.Pitstop

Whatever option you choose, it will affect your premiums any way, because you will have non-fault claim registered against your name and you will be higher risk to insure in future.

In you choose option 2, you will have to pay excess and will have to wait to get your money back when Admiral gets money back from third party.

Car_54

StuMcBill wrote: »

Hi,

1. 3rd Party insurance - claim on the other parties insurance. The only thing about this is that I (or my insurer) would not have any say in where the car goes for repair, or have any control over the process.

If you go down this route, there is no reason for you not to insist upon a repairer of your choice.

neilmcl

Option 3. It's true that Admiral wouldn't have any control but that doesn't mean you wouldn't. In fact you'll likely have more control over the repair, getting it repaired at a place of your choosing and the likelihood of a like-for-like replacement.

I would always recommend going direct with the TP insurer if you can. The only downside is that you wouldn't have any backup from the insurance ombudsman should things go awry.

StuMcBill

Ok, sounds like option 3 is the way to go.

In the future, will I have to declare this as a "non-fault" claim to insurers?

Stewart

Car_54

StuMcBill wrote: »

Ok, sounds like option 3 is the way to go.

In the future, will I have to declare this as a "non-fault" claim to insurers?

Stewart

Yes. Or, since the software won't allow me to post such a short answer, yes you will.

dacouch

Option 1 is farmed out to Auxillis (Previous name Albany) search MSE or google to find out about them.

It involves putting you in an expensive "Credit Hire" vehicle

Quentin

StuMcBill wrote: »

In the future, will I have to declare this as a "non-fault" claim to insurers?

Yes .