KyleR Posted July 16, 2015 Share Posted July 16, 2015 Yes, their modifications policy is a bit odd that they don't cover like for like etc, but on the other hand they don't overload the premium for having them. They also have quite broad spectrum modification lists, where you can select a group of mods such as "exterior changes" and cover many small mods than another company would require you to individually list or risk issues in the event of a claim. Their staff I find as knowledgable as a brush when it comes to cars, but then again I have the same opinion of the staff of a forum specialist insurer too, who also don't know jack. I've been with them for 80% of my driving life and have never had a real problem, including one claim. The only time I swayed from them was when said forum specialist insurer managed to beat them by 10% and offer like for like on modification. Are the best insurer about? Hell no, but they are hundreds cheaper than their competitors for me, so it's a no brainer Quote Link to comment Share on other sites More sharing options...
ilogikal1 Posted July 16, 2015 Share Posted July 16, 2015 Yes, their modifications policy is a bit odd that they don't cover like for like etc, but on the other hand they don't overload the premium for having them. They also have quite broad spectrum modification lists, where you can select a group of mods such as "exterior changes" and cover many small mods than another company would require you to individually list or risk issues in the event of a claim. They list them on the policy (usually for a small premium), granted. They also offer additional "modification cover" which can be pricey... especially as the documents then state that the maximum they will pay out for ALL of those "covered" modifications combined is £500. Seeing as they list dealer options as modifications, that doesn't actually cover anything Nissan offered on the Z except maybe a set of mats and a cargo net.... Also, depending on what day of the week it is, what time of the day it is, who you're speaking to, who you've spoken to previously and what colour socks you're wearing, they may or may not also include factory fitted items as modifications and £500 certainly won't cover a set of RAYS or a GT Pack (back when they were seperate options of course) let alone both. Simply the fact that they can't agree amongst themselves what their own policy is, is enough for me to steer clear. That said, they do offer very cheap quotes (in the first year at the very least), so they will be adequate for some people. If they were just a little (well, a lot) more transparant about their practices I wouldn't have a problem with them... I still wouldn't use them again, but I wouldn't have an issue with them. Quote Link to comment Share on other sites More sharing options...
Ekona Posted July 16, 2015 Share Posted July 16, 2015 If you know you're not going to crash, they're a bargain. Quote Link to comment Share on other sites More sharing options...
brillomaster Posted July 16, 2015 Share Posted July 16, 2015 i've been with admiral for a good few years now, me and the fiancé and the track car are all on their multicar policy. they sorted a claim for my old Honda civic without too much hassle - bit of to and fro on the settlement figure, but then cheque received promptly in the post. And they didn't really hike up my premium that much for my next car, which was the zed. Yes the auto renewal thing magic price hike is a bit annoying, but its only once a year and its only one phonecall to sort all three cars we own. and the not covering mods never really bothered me as I don't mod my cars that much. but main thing is they're way cheaper than anyone else on the old gocomparetheconfusedmeerkat sites. Quote Link to comment Share on other sites More sharing options...
KyleR Posted July 16, 2015 Share Posted July 16, 2015 Yes, their modifications policy is a bit odd that they don't cover like for like etc, but on the other hand they don't overload the premium for having them. They also have quite broad spectrum modification lists, where you can select a group of mods such as "exterior changes" and cover many small mods than another company would require you to individually list or risk issues in the event of a claim. They list them on the policy (usually for a small premium), granted. They also offer additional "modification cover" which can be pricey... especially as the documents then state that the maximum they will pay out for ALL of those "covered" modifications combined is £500. Seeing as they list dealer options as modifications, that doesn't actually cover anything Nissan offered on the Z except maybe a set of mats and a cargo net.... Also, depending on what day of the week it is, what time of the day it is, who you're speaking to, who you've spoken to previously and what colour socks you're wearing, they may or may not also include factory fitted items as modifications and £500 certainly won't cover a set of RAYS or a GT Pack (back when they were seperate options of course) let alone both. Simply the fact that they can't agree amongst themselves what their own policy is, is enough for me to steer clear. That said, they do offer very cheap quotes (in the first year at the very least), so they will be adequate for some people. If they were just a little (well, a lot) more transparant about their practices I wouldn't have a problem with them... I still wouldn't use them again, but I wouldn't have an issue with them. Thats why I didn't take out their optional modification cover add on, the £500 wouldn't cover 2 wheels But, don't all insurers class optional extras as modifications or at least require them to be listed? The value of some German cars can near double when extras are taken into account. Quote Link to comment Share on other sites More sharing options...
ilogikal1 Posted July 16, 2015 Share Posted July 16, 2015 Dealer fitted options, it's not unusual to class as modifications - some will, some won't, but it's good practice to get them listed on documents regardless to avoid any confusion at any point. Admiral differ because they can't (or just won't, in my experience) give a yes/no answer to the simple question "do you class dealer fitted optional extras as modifications?". Quote Link to comment Share on other sites More sharing options...
Southpaw89 Posted July 26, 2015 Share Posted July 26, 2015 I've been with Admiral for years as they've always been the cheapest by far. This year though my renewal was around £800, which came down to £520 when I called them. However, Aviva gave an even cheaper quote - £495 for the year plus £50 cashback through Quidco. Well worth doing a quote through their website as they don't appear on comparison sites. Plus apparently my renewal may be cheaper if I use the Aviva Drive app to score my driving...I don't think I'll bother with that though! Ilogikal - one more reason to have the Admiral group - they've changed their policy to send renewal notifications 2 weeks before the end of the policy, but quotes get more expensive the closer to your renewal date, so their competitors will appear more expensive. Quote Link to comment Share on other sites More sharing options...
rabbitstew Posted July 27, 2015 Share Posted July 27, 2015 Just got my wifes car insurance through Admiral last week. And as always, the whole insurance experience never fails to amaze me. Shes had a company car for the last 3 years and so let her private insurance policy expire back in 2013. Anxious not to loose her 5 years NCB on her private insurance we spoke to her insurance company at the time who assured us that as long we we insured another car before April 2016 (3 years after the old insurance expired) then we wouldnt loose the 5 years NCB. Anyway, roll on to last week and I call old company up and they now have changed their tune, and say that you can only keep NCB on record for 2 years, not 3. So our NCB has vanished after April 2015 due to not being used. Great. So I then do a quick comparison check online and Admiral are coming up the cheapest if we had 5 years NCB. £330, fully comp on a brand spanking new 27grand Ford Kuga. Next day I check again, litterally just log in, click on "resubmit quote" and Admiral now come back at £272. Thats a drop of £60 in just 1 day. Same details, same car. Go figure! So call them up, explain the problem with the 5 years NCB now apparently being non-existant. They agree, they only would take it had it been within the 2 years rather than 3. But as wifes been on companies car insurance for last 3 years they will take that as 3 years NCB. But it will mean an increase to the premium....... Fair enough I think, so I ask whats the new price, baring in mind 5 years NCB came in at £272. The new premium is £272.98. wtf. So 2 years extra NCB is now only worth 98p?! 1 Quote Link to comment Share on other sites More sharing options...
HiddenWomble Posted August 11, 2015 Share Posted August 11, 2015 Before I start to waffle I wanted to add some handy info to this thread. Point for speeding increase insurance by about 30%. Points for driving without insurance increase premiums by about 70%! So even a doubled premium from an auto-renewal works out cheaper than a lapse of insurance, so I for one welcome our new auto-renewal overlords! **************** OK, the rest is waffle, feel free to skip to the next post Been sorting out insurance quotes today and, well, not my favourite way to pass the time. Naturally I called my current insurers first, they wanted to raise my monthly premium from £75 to £140. So naturally I wrapped the call up with details on how much it would cost to buy out early. Today I've done the meerkat thing and got some great quotes, 4 of them came in at under £50 a month! The difference? My current company want to sting me by £90 because they happen to know I'm driving a much slower car. Yet other companies that know nothing about me beyond my 9 years NCB are quite happy to give me a good deal. The best bit is the new premium will pay for the increase in car tax At this rate it might be cheaper to run a 3.5L V6 than it is to run a 1.8L V6! The other bonus is most of my miles are spent eating up the motorway, so I'll be getting the best MPG from the zed, which on paper is exactly the same as my much older tiny V6. Quote Link to comment Share on other sites More sharing options...
ilogikal1 Posted August 12, 2015 Share Posted August 12, 2015 So even a doubled premium from an auto-renewal works out cheaper than a lapse of insurance, so I for one welcome our new auto-renewal overlords! Or, one could take some personal responsibility to remember ones own renewal date and avoid both. Just sayin'. 2 Quote Link to comment Share on other sites More sharing options...
Ekona Posted August 12, 2015 Share Posted August 12, 2015 Sacrilege! Burn him at the stake! 1 Quote Link to comment Share on other sites More sharing options...
ilogikal1 Posted August 12, 2015 Share Posted August 12, 2015 Quote Link to comment Share on other sites More sharing options...
zebedy Posted August 12, 2015 Share Posted August 12, 2015 dont live in Ely then or River side. lol Quote Link to comment Share on other sites More sharing options...
HiddenWomble Posted August 13, 2015 Share Posted August 13, 2015 So even a doubled premium from an auto-renewal works out cheaper than a lapse of insurance, so I for one welcome our new auto-renewal overlords! Or, one could take some personal responsibility to remember ones own renewal date and avoid both. Just sayin'. this is true, but how does that help you if an uninsured driver ploughs into the side of you? viva la auto-renewal Quote Link to comment Share on other sites More sharing options...
ilogikal1 Posted August 13, 2015 Share Posted August 13, 2015 You're assuming they were insured at all. And with Admiral (at present). And, and there are currently several options open to someone hit by uninsured drivers without the auto-renewal interference. 1 Quote Link to comment Share on other sites More sharing options...
allaboutthepasty Posted August 13, 2015 Share Posted August 13, 2015 Before I start to waffle I wanted to add some handy info to this thread. Point for speeding increase insurance by about 30%. Points for driving without insurance increase premiums by about 70%! So even a doubled premium from an auto-renewal works out cheaper than a lapse of insurance, so I for one welcome our new auto-renewal overlords! **************** OK, the rest is waffle, feel free to skip to the next post Been sorting out insurance quotes today and, well, not my favourite way to pass the time. Naturally I called my current insurers first, they wanted to raise my monthly premium from £75 to £140. So naturally I wrapped the call up with details on how much it would cost to buy out early. Today I've done the meerkat thing and got some great quotes, 4 of them came in at under £50 a month! The difference? My current company want to sting me by £90 because they happen to know I'm driving a much slower car. Yet other companies that know nothing about me beyond my 9 years NCB are quite happy to give me a good deal. The best bit is the new premium will pay for the increase in car tax At this rate it might be cheaper to run a 3.5L V6 than it is to run a 1.8L V6! The other bonus is most of my miles are spent eating up the motorway, so I'll be getting the best MPG from the zed, which on paper is exactly the same as my much older tiny V6. Get a credit card with 0% APR on purchases for 12 months, pay your insurance off outright with that and set up a direct debit for the amount /12... Chop the card up and save even more as you won't be paying the interest your insurer will hike onto the price? 1 Quote Link to comment Share on other sites More sharing options...
HiddenWomble Posted August 14, 2015 Share Posted August 14, 2015 You're assuming they were insured at all. And with Admiral (at present). And, and there are currently several options open to someone hit by uninsured drivers without the auto-renewal interference. Ahh but of course I am assuming they were insured, cos that's the topic Also it's not Admiral that are doing this. It's a government mandate. Probably to cull the number of uninsured drivers on the road. Be nice if that mandate also fixed the max the renewal could go up by to protect us from the obvious exploitation of the oblivious. Besides if your so ontop of things how could they possibly sting you without you noticing? The only way they can get you is if you were going to become an uninsured menace on the road Hehe, your turn Quote Link to comment Share on other sites More sharing options...
HiddenWomble Posted August 14, 2015 Share Posted August 14, 2015 (edited) Get a credit card with 0% APR on purchases for 12 months, pay your insurance off outright with that and set up a direct debit for the amount /12... Chop the card up and save even more as you won't be paying the interest your insurer will hike onto the price? Now that is a sneaky idea, I like it! Edited August 14, 2015 by HiddenWomble Quote Link to comment Share on other sites More sharing options...
Ekona Posted August 14, 2015 Share Posted August 14, 2015 Also it's not Admiral that are doing this. It's a government mandate. Probably to cull the number of uninsured drivers on the road. Source? Quote Link to comment Share on other sites More sharing options...
Durk Posted August 14, 2015 Share Posted August 14, 2015 If people want to pay monthly and give the insurers even more money that's fine by me... If people want to let it auto renew at a heavily inflated price that's also fine by me... If the insurers noticed their profits weren't as high because everybody was getting a good deal then they'd just put premiums up for everyone So everybody, please... let it auto renew, pay monthly and leave me with cheaper insurance Quote Link to comment Share on other sites More sharing options...
brillomaster Posted August 14, 2015 Share Posted August 14, 2015 just had the auto renewal through from admiral for the car insurance... and its within £20 of the cheapest price on comparethemeerkat (£598 for my beemer, £202 for the missus's 206) we could try ringing around and getting it a little cheaper, but considering how busy we are with other things this month (wedding and honeymoon planning) we're considering just letting it auto renew Quote Link to comment Share on other sites More sharing options...
ilogikal1 Posted August 14, 2015 Share Posted August 14, 2015 Ahh but of course I am assuming they were insured, cos that's the topic Also it's not Admiral that are doing this. It's a government mandate. Probably to cull the number of uninsured drivers on the road. Be nice if that mandate also fixed the max the renewal could go up by to protect us from the obvious exploitation of the oblivious. Besides if your so ontop of things how could they possibly sting you without you noticing? The only way they can get you is if you were going to become an uninsured menace on the road Hehe, your turn Alright, I'll give you that one, I might have got sidetracked by the whole "Admiral are ****" thing. As far as I'm aware it's not government mandated, is it? I know it has been mooted on and off for a while now, but I'm unaware of this being put through. Certainly in my experience it's only Admiral that automatically enrol in the auto-renewal scheme - I'm aware of others that offer the service but it's opt in, not opt out like Admiral (who will systematically ignore your opting out for as long as they can). My issue is not with auto-renewal per se anyway, it's the way Admiral conduct the "service". Or rather the way Admiral make every effort to force it upon you, despite your expressed refusal, and the way they will often take advantage of that with their renewal quotes. If a decent insurance company ran the service properly, I might even use it. Neither of these sentiments apply to Admiral though. And to your final point; they didn't, because I am. It didn't stop Admiral from trying though! Quote Link to comment Share on other sites More sharing options...
Durk Posted August 14, 2015 Share Posted August 14, 2015 just had the auto renewal through from admiral for the car insurance... and its within £20 of the cheapest price on comparethemeerkat (£598 for my beemer, £202 for the missus's 206) we could try ringing around and getting it a little cheaper, but considering how busy we are with other things this month (wedding and honeymoon planning) we're considering just letting it auto renew My auto renewal came through the other day with Elephant at £960... a quick phonecall and they dropped it to £807 with me even asking about anything, they literally just said.. "OK so that's your renewal, let me see what I can do for you!" I haven't been able to find a cheaper quote anywhere so at this point im happy to stay! I rang an insurer that is on this forum, meeting their minimum of 21 years old and 1 year driving similar powered car (ive had my 350 for a year now) only to be told they won't insure me because of my age and the power of the car I've got 4 years ncb in 4 years of driving... no points or anything... I'm not sure what more they want from me Quote Link to comment Share on other sites More sharing options...
ilogikal1 Posted August 14, 2015 Share Posted August 14, 2015 My auto renewal came through the other day with Elephant at £960... a quick phonecall and they dropped it to £807 with me even asking about anything, they literally just said.. "OK so that's your renewal, let me see what I can do for you!" Or, to put it another way, they initially attempted to overcharge you by at least £153 (or nearly 20%). For no reason at all. And herein lies my problem with insurance companies (and I appreciate it's not just this one); but why couldn't they have offered that price in the first place?! 1 Quote Link to comment Share on other sites More sharing options...
KyleR Posted August 14, 2015 Share Posted August 14, 2015 Ahh but of course I am assuming they were insured, cos that's the topic Also it's not Admiral that are doing this. It's a government mandate. Probably to cull the number of uninsured drivers on the road. Be nice if that mandate also fixed the max the renewal could go up by to protect us from the obvious exploitation of the oblivious. Besides if your so ontop of things how could they possibly sting you without you noticing? The only way they can get you is if you were going to become an uninsured menace on the road Hehe, your turn Alright, I'll give you that one, I might have got sidetracked by the whole "Admiral are ****" thing. As far as I'm aware it's not government mandated, is it? I know it has been mooted on and off for a while now, but I'm unaware of this being put through. Certainly in my experience it's only Admiral that automatically enrol in the auto-renewal scheme - I'm aware of others that offer the service but it's opt in, not opt out like Admiral (who will systematically ignore your opting out for as long as they can). My issue is not with auto-renewal per se anyway, it's the way Admiral conduct the "service". Or rather the way Admiral make every effort to force it upon you, despite your expressed refusal, and the way they will often take advantage of that with their renewal quotes. If a decent insurance company ran the service properly, I might even use it. Neither of these sentiments apply to Admiral though. And to your final point; they didn't, because I am. It didn't stop Admiral from trying though! Axa do the same thing, they auto renew also, but onto of that, the stores and online/telephone companies are basically ran separate. Last year the other half got her renewal through the post from the local branch and phoned the call centre to see if they could better it, they did, but in doing that she ended up with 2 policies because the store automatically renewed her policy even though she took the deal from the call centre. Joke! Quote Link to comment Share on other sites More sharing options...
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