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“You get what you pay for”

written by on 14/09/2017

I'd been with Admiral for a number of years with their multi car policy. It has the advantage that a young driver earns a year's no-claims after a few months if it can coincide with the policy renewal BUT they are cheap for a reason. It doesn't matter if they're cheap if you don't make a claim, but when you do, it would be nice if it was settled reasonably swiftly, especially when dashcam evidence caused the other party to admit liability within 48 hours of seeing it. That was 15 months ago. It took a year to get my excess returned (which I had paid to the repairer). I have had NO other expenses repaid (car hire, osteopath etc). Their legal team are useless (or more likely overworked). I get contacted every couple of months, I answer their questions and my case obviously goes back to the bottom of the pile. I renewed last year, in the hope they would give the claim some priority, but not this year. Especially as Aviva insured our cars for less than half Admiral's renewal quote. No wonder Admiral's share price has plummetted in the last few months.
Anyone thinking of going with Admiral should be aware of admin charges if you make any changes to the policy (differrent car, adding drivers etc). The exception was that my daughter passed her test a week before renewal and they didn't charge any additional premium for those 7 days.
And to give you an idea of the randomness of their quoting model, my older daughter got a car after finishing uni. If it was insured under the multi-car policy, they wouldn't include me as a named driver due to the claim. But they would include me if she insured it in her own right, and it was cheaper.