Admiral Car Insurance Auto-Renewal

TheGreatEscape0

Hi All,

I'm currently insured with Admiral, and my card today got pinged for £1700 for a renewal policy (up from £900 from when I originally insured with them).

No notification of renewal, nothing. Just a £1700 charge. My previous insurance lapsed on 7th March, so Admiral have charged for another year's cover. I'm going to reject this via cooling off, but I need to get new insurance in place (which I've checked will be around £900). (To be honest, I'd forgotten to do this, so in a way the auto-renewal has helped me out in an odd sort of way!)

Two questions for all you wonderful experts:
1. If I obtain new cover today (9th March) from a different provider, and then cancel the new Admiral policy via cooling off, I presume I'll still have been continuously covered and that I wouldn't have a two day gap for NCB purposes? Is there anything specific I would need to do to ensure that I keep my NCB (bearing in mind point 2 below as well)?

2. Someone hit me in a car park a couple of months ago. I notified Admiral at the time, who logged the incident, and deemed me not to be at fault. The claim isn't settled yet. If I move to a different insurer, will I still be able to get the claim for that incident settled by Admiral? (I presume so, as it happened during the period of their cover, but just want to double check that changing providers wouldn't affect it.)

Thank you so much! :beer:

eddddy

When you got the new quote for £900, did you declare the open claim?

Until Admiral get payment from the other party, they'll probably treat it as a 'fault claim' - hence the higher premium.

i.e. The accident may have been the fault of the other driver, but if Admiral pay for your car repairs, and can't get their money back, they'll record it as a fault claim.

Before doing anything else, check whether Admiral will reduce your premium, if/when the other party pays up.

Faith177

As edddy said I would check with admiral before you do anything that the increase isn’t because your claim is open and your NCB stepped back as then it may not be worth moving

dunstonh

No notification of renewal, nothing.

Admiral use the method you chose when you signed up. So, if you selected email, then it would arrive by email.

if you are using an email provider like apple, then they actually remove spams from your mail box but will take a number of genuine emails with it. They dont place them in a spam folder. you never see them. If your email provider diverts spam emails (like gmail for example) then look in your spam filter.

1. If I obtain new cover today (9th March) from a different provider, and then cancel the new Admiral policy via cooling off, I presume I'll still have been continuously covered and that I wouldn't have a two day gap for NCB purposes? Is there anything specific I would need to do to ensure that I keep my NCB (bearing in mind point 2 below as well)?

The cancellation rights period does not get backdated. You will pay for days on cover plus an administration charge. A small gap like that should not impact on NCB.

2. Someone hit me in a car park a couple of months ago. I notified Admiral at the time, who logged the incident, and deemed me not to be at fault. The claim isn't settled yet. If I move to a different insurer, will I still be able to get the claim for that incident settled by Admiral? (I presume so, as it happened during the period of their cover, but just want to double check that changing providers wouldn't affect it.)

That probably means your NCB has been reduced and not reinstated yet. So, you may not have the NCB you think you have. It is treated as fault claim until it is sorted and paid.

The new insurer will ask for proof of NCB and you may not have the level you think at the moment.