Admiral Claim on NCB document showing as 'fault'

Emphyrio

Hello,

Just thought I'd ask the group if any of you had experience of this issue?

A couple of years ago somebody T-boned my car at a junction. I sent the dashcam footage to Admiral (my insurer), who, after a few months, stated that they had reclaimed the money from the third party (including my excess).

I kept Admiral as my insurer when I bought a new car, however I changed insurance companies this time to someone slightly cheaper. However, Admiral emailed me my NCB document which also shows the details of the claim - however, it states 'fault' in spite of Admiral managing to reclaim all the money (see attached).

Is this some kind of administrative error here or can there be any other reason why this is showing as 'fault?'

Thanks for your help

dunstonh

Is this some kind of administrative error here or can there be any other reason why this is showing as 'fault?'

What do Admiral say when you ask them this?

Emphyrio

I sent them a detailed email last night detailing the whole issue and referencing the previous correspondence I had with them but thought I'd ask people here whether this was a common occurrance?

From what I've checked, whether marked as a fault or non-fault has negligible impact on premiums, but I want to get this changed if possible just as insurers might see me as a higher risk, particularly if at some point in future I have to make another claim.

XRS200

Sounds like an admin error - easily fixed.

Emphyrio

OK, so Admiral got back to me with the following:

"To proceed further for updating claim status as non fault, we kindly request you to share the claim document from confirming that the claim has been closed as a non-fault claim. Please ensure the document is provided in PDF or JPEG format and includes the following details:

• Claim status showing it is closed as non-fault
• Relevant claim date(s)

If you have any questions or need assistance in obtaining this document, please feel free to reach out to us."


While I don't have any documentation specifically mentioning non-fault, there does seem to be a lot of evidence that this is the other insurer admitting liability (plus the £0 net cost to Admiral).

I've attached a scan of the following email (anonymised for the purposes of this forum) that they sent to me with proof that the other insurer had paid (including excess).

Let's hope it is an admin error as I genuinely don't think I could have done anything differently in the situation (dashcam footage was sent off promptly)

Emphyrio

Got an update from Admiral, to their credit it got sorted out quickly and refunded the difference (albeit a small amount, but still) based on my previous year's policy.

MyRealNameToo

No insider knowledge but it does sound like they've had a significant system update at some time between your claim and the NCD proof being sent out else it'd be a simple case of them checking their own records.

For most insurers fault is defined purely on if they have a net outlay at the end of the claim, excluding unallocated claims costs (ie their own staff). Have seen a minority that will count a claim as "fault" if the policyholder was to blame for the incident but no party actually made a claim.

Glad you got it sorted, Admiral are a cheap and cheerful type provider with a few odd practices but I've always found them reasonable in the end (both personally and professionally). One of the few Gib based insurers that I will consider.