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Admiral Insurance -Check the extra conditions

ZampaVan

ZampaVan

Messages
16
Location
Dartford Kent
Vehicle
T5 SE 180
Be aware . I’ve been comprehensively insured with Admiral on my 2014 California Ocean for 4 years. My son is a named driver and is using this week while on holiday. I wanted to use his old Mercedes estate ( worth nothing but 250,000 faultless miles!) so I had transport and had thought like most policies I would have 3rd party cover to drive other vehicles with consent.
Not the case with Admiral!
Their Comprehensive policy excludes cover to drive other cars. When asked reason why they said it was because the vehicle insured under the policy was a Camper Van ( originally they said it was because I’m retired!! ) . I responded it’s a purpose built Campervan and the DVLA records it as Motor Caravan . That made no difference to them and you can’t add that 3rd party cover at an additional cost.
The insurance was due for renewal next week and I have cancelled my policy with Admiral . I’m now insured comprehensively with the same excess with LV = who do provide that 3rd party cover to drive other vehicles as standard at no additional cost. As an added bonus I also halved the renewal premium requested by Admiral……
 
4x4 joker

4x4 joker

VW T6.1 Westfalia Club Joker 4motion
Top Poster
Lifetime VIP Member
Messages
1,944
Location
Southampton/Perthshire
Vehicle
N/A
Be aware . I’ve been comprehensively insured with Admiral on my 2014 California Ocean for 4 years. My son is a named driver and is using this week while on holiday. I wanted to use his old Mercedes estate ( worth nothing but 250,000 faultless miles!) so I had transport and had thought like most policies I would have 3rd party cover to drive other vehicles with consent.
Not the case with Admiral!
Their Comprehensive policy excludes cover to drive other cars. When asked reason why they said it was because the vehicle insured under the policy was a Camper Van ( originally they said it was because I’m retired!! ) . I responded it’s a purpose built Campervan and the DVLA records it as Motor Caravan . That made no difference to them and you can’t add that 3rd party cover at an additional cost.
The insurance was due for renewal next week and I have cancelled my policy with Admiral . I’m now insured comprehensively with the same excess with LV = who do provide that 3rd party cover to drive other vehicles as standard at no additional cost. As an added bonus I also halved the renewal premium requested by Admiral……
Handy to know, my safeguard doesn’t cover me to drive anything else.
Being on my daughter insurance as named driver makes hers cheaper.
 
Ch1pbutty

Ch1pbutty

Top Poster
VIP Member
Messages
2,429
Location
Burgess Hill
Vehicle
T5 Beach
Be aware . I’ve been comprehensively insured with Admiral on my 2014 California Ocean for 4 years. My son is a named driver and is using this week while on holiday. I wanted to use his old Mercedes estate ( worth nothing but 250,000 faultless miles!) so I had transport and had thought like most policies I would have 3rd party cover to drive other vehicles with consent.
Not the case with Admiral!
Their Comprehensive policy excludes cover to drive other cars. When asked reason why they said it was because the vehicle insured under the policy was a Camper Van ( originally they said it was because I’m retired!! ) . I responded it’s a purpose built Campervan and the DVLA records it as Motor Caravan . That made no difference to them and you can’t add that 3rd party cover at an additional cost.
The insurance was due for renewal next week and I have cancelled my policy with Admiral . I’m now insured comprehensively with the same excess with LV = who do provide that 3rd party cover to drive other vehicles as standard at no additional cost. As an added bonus I also halved the renewal premium requested by Admiral……

We are insured with Admiral but they did make it clear in the policy wording that we would only be insured to drive the vehicles specifically mentioned in the policy. Cost has remained competitive for past 2 years.

DOC used to be included on most policies, but now seems to be a trend to exclude even if you have comprehensive cover.

 
V

Vagophile

Lifetime VIP Member
Messages
1,022
Location
Market Deeping
Vehicle
T5 SE 180
I have three separate policies and DOC is excluded in all three. The first was two years ago, the last at the last renewal in March this year. It now seems to be normal for DOC to be excluded.
 
T

TwoDogs

VIP Member
Messages
322
It's hardly an extra condition...it's stated really clearly not hiddenen away anywhere
 
Ch1pbutty

Ch1pbutty

Top Poster
VIP Member
Messages
2,429
Location
Burgess Hill
Vehicle
T5 Beach
I have three separate policies and DOC is excluded in all three. The first was two years ago, the last at the last renewal in March this year. It now seems to be normal for DOC to be excluded.

That said it’s now fairly cheap for someone to just add you as a named driver; then you will have same coverage as the main driver.

Somone also told me a about the instant insurance policy app where you can insure for periods as short as 1 hour:


They used it when their student daughter had driven them for family Sunday lunch, but she had ended up bumping into some friends and stayed out drinking..so the Dad insured himself to get the car / rest of the family back home. (Don’t think it would work for a Cali as think there is a cap on vehicle value.)
 
K

Kimmy491

VIP Member
Messages
12
Location
Wakefield
Vehicle
T6 Ocean 150
Be aware . I’ve been comprehensively insured with Admiral on my 2014 California Ocean for 4 years. My son is a named driver and is using this week while on holiday. I wanted to use his old Mercedes estate ( worth nothing but 250,000 faultless miles!) so I had transport and had thought like most policies I would have 3rd party cover to drive other vehicles with consent.
Not the case with Admiral!
Their Comprehensive policy excludes cover to drive other cars. When asked reason why they said it was because the vehicle insured under the policy was a Camper Van ( originally they said it was because I’m retired!! ) . I responded it’s a purpose built Campervan and the DVLA records it as Motor Caravan . That made no difference to them and you can’t add that 3rd party cover at an additional cost.
The insurance was due for renewal next week and I have cancelled my policy with Admiral . I’m now insured comprehensively with the same excess with LV = who do provide that 3rd party cover to drive other vehicles as standard at no additional cost. As an added bonus I also halved the renewal premium requested by Admiral……
 
K

Kimmy491

VIP Member
Messages
12
Location
Wakefield
Vehicle
T6 Ocean 150
I used to work in motor insurance and the driving other vehicles cover is for in the event of an emergency - it covers you 3rd party only and it is only whilst actually driving the vehicle. So if you take it somewhere and park it up and it gets stolen it's not covered for theft.
Best way is to get added to the owners insurance as a temporary additional driver. Then covered for all eventualities.
 
Timø

Timø

Messages
57
Location
Kendal
Vehicle
T5 SE 174
Sorry I think Kimmy491 might be a little out there. There is no condition of the theft cover that the vehicle has to be parked up by a particular person.
As for DOC, I have comprehensive admiral multicover and the policy relating to the car allows me (the policyholder only) to doc. Best advice is always check the wording in your documents and not just go from threads on sites such as these - what we used to call Barrack-room lawyers!
 
K

KBR

VIP Member
Messages
62
Location
Somerset
Vehicle
T5 SE 180
I’m with Admiral and have multi car for me and the wife. I am the main driver on the Cali and as above am NOT covered for third party on other vehicles. The wife is the main driver on her Golf and IS covered third party on other vehicles. I used to sell insurance and it’s key to check this as it varies all the time. Particularly if you have kids with insurance. Most drivers under 21 would not have third party on other cars with any company. I would be very cautious if a vehicle was stolen in saying it was a non-named driver that parked it. I would not be surprised if they tried not to pay out….. any excuse!
 
Jay586

Jay586

VIP Member
Messages
764
Location
North Wales
Vehicle
T6.1 Coast 150
I've never been covered 3rd party on any policy. I'm always surprised people still think it's a thing & can only assume they haven't changed insurers recently.

I used to advise at CAB & am very aware that you need to be spot on with insurance. Declare any & all modifications, etc. It was common for young people to be 2nd drivers on their main car too. That's a definite no now.
 
P

PeteS

Messages
109
Location
Bristol
Vehicle
N/A
I think that insurance companies are looking to remove the driving of other cars from their policies. When I was looking to insure my car earlier in the year it was 50:50 if companies offered the driving of other cars. It would be worth checking your policy before borrowing someone else’s car.
Some policies do have the option to add any driver either.
 
66tim99

66tim99

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Lifetime VIP Member
Messages
2,647
Location
London
Vehicle
T6.1 Ocean 150
For info it’s included on my LV policy
 
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