Admiral insurance, should i go through admiral law?

seatbeltnoob

Hello

I got rearended while I was stationary on a red light by another car insured by admiral. admiral have me the option of paying my excess and dealing with it or not paying excess and going through admiral law.

what is tge best choice, to be honest I haven't looked into either options very well. I'm very busy so I just reported the accident online and selected admiral law.

now i read they will take 25% of any claim - this seems like a bit of a scam to me. I have insurance. should i phone them up and cancel the admiral law claim?

seatbeltnoob

also is going though admiral the best option in this case, or should i go through an independant accident management company for this claim? I feel like admiral will low ball me on any offer they make. it will most likely write off the car. and they are going to lowball the offer and trey and give me trade price for it which wont be enough to replace my car. can i get a bit more out if I can make ultimatum of appointing an accident managemetn company involved to handle my claim or is that not a thing?

Grey_Critic

Who is your insurer - Do you have legal cover with them?

You are free to use who you want to recover your Uninsured Losses - You excess for example. BUT DO NOT start issuing ultimatums that will only cause you problems.

chrisw

Go through your own insurer and let them sort everything, that's what you pay them for.

daveyjp

If a write off is expected just go to your own insurance company.

tifo

I'm surprised admiral law are charging a 25% deduction fee, this is usually from claims management companies but they seem to be part of Admiral insurance (It trades as EUI Law, Diamond Law, Elephant Law, Admiral Law, BDE Law). So another way for the insurance company to make money from its customers.

With it being a stationary rear end collision you're not at fault so any excess you pay will be recovered from the third party.

seatbeltnoob

Grey_Critic said:

Who is your insurer - Do you have legal cover with them?

You are free to use who you want to recover your Uninsured Losses - You excess for example. BUT DO NOT start issuing ultimatums that will only cause you problems.

I am also insured by admrial (along with tp). Which is why I am a bit dubious as to whether they'll treat me fairly.

I opted out of legal cover. I didn't have an accident insuch a long time I thought I'd be doing myself a favour by saving £35 by not getting it.

DullGreyGuy

seatbeltnoob said:

now i read they will take 25% of any claim - this seems like a bit of a scam to me. I have insurance. should i phone them up and cancel the admiral law claim?

I think you need to reread what you've read... the 25% would be if you were to make a claim for personal injury or potentially other uninsured losses. 

They will put you in credit hire and have credit repairs done to your vehicle; if the vehicle is beyond economical repair they will get an engineers report done to value the vehicle and then submit it to the third party insurer for payment.

Rhiannagg

Hello what did you decided to with this situation? I'm in the boat now and unsure as you was! 

seatbeltnoob

i just took the write off on the car, and they paid me for the value of the car, i bought the salvage from them and i had to forfeit around 20% of rhe pay out to buy it.

Rhiannagg

It's just the percentages that are causing worry, from admiral law. 
I had the payout from admiral for my car within 3 days of the accident, but as I do not have legal cover on my policy either unsure of how "basic" admiral laws "basic" cover will be!