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Think before you claim! - Admiral bad experience

Velma's Dad

Velma's Dad

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Buckinghamshire
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T5 SE 180
I have heard of the same happening and I don't think it would only be Admiral. If you are thinking of paying for insured damaged yourself you have to keep it to yourself I'm afraid and you can't compare their cost with your cost. I don't know why they do it. Maybe someone in the industry could explain.
I assume that the reason, actuarially speaking, is that the stats show that someone who has some kind of incident (eg a broken side window, a bashed rear bumper), even if not caused by the policyholder and regardless of whether they claimed, is correlated with an elevated likelihood of more serious incidents/claims in the following year(s).

Unfortunately this practice of bumping up premiums on the basis of non-claim "incidents" is bound to discourage people from reporting them to their insurer: ie it penalises honest customers who are actually the kind of customers the insurers should be rewarding, because It appears well-evidenced that people who tend to be "dishonest" and therefore would be unlikely to report incidents anyway, are also more likely to behave recklessly or even fraudulently in other ways, so are a higher risk. :headbang
 
vananarama

vananarama

Messages
52
Location
Wales
Vehicle
T6 Beach 150
Have had a very unsatisfactory experience with Admiral. We scratched our Beach sliding door (no fault incident, a low billed). In nearly 20 years of driving we have only ever made two claims and to be frank, where it is a scratch which requires a spray, I would have probably bitten the bullet and paid myself (given excess, hassle and potential loss of NCB). However, as it is my first Cali and because the likely cost of repair at a vw approved body shop is probably higher, I thought better to enquire Via insurance and get their repairer quote. Given scratch was just before lockdown, it took until now to line everything up and my policy had since renewed. So the claim would be under last year’s policy. On call confirmed NCB not affected and submitted details. A day later I get a letter to say that the price of this years policy has been retrospectively increased by £240 (nearly 50% hike!). No mention of this on the original call. I hastily call them to cancel claim as price hike plus excess means it really is not worth putting through the insurance. They then confirm By letter that because I notified the incident the price increase stands - even though I am not claiming. To add insult to injury that is all recorded as a notified incident on the national insurer’s data exchange! So the price of an honest enquiry is £240 and what ever else insurers in the future choose to charge because of this being on record for up to 5 years. Anyone else have similar experiences??
Little jobs are so not worth putting on vehicle insurance it seems. I never have. Even when someone killed my T5 I only did the legal obligation of letting my insurer know what had happened and told them to not do anything and got an independent 'ambulance chaser' to fight my corner. So I caused my insurer £0 in time spent on my accident, but even this didn't stop insurers putting up my premium for someone having crashed into me. Something's wrong with vehicle insurance.
 
blondebier

blondebier

VIP Member
Messages
591
Location
Sussex
Vehicle
T6 Beach 150
I hastily call them to cancel claim as price hike plus excess means it really is not worth putting through the insurance. Anyone else have similar experiences??
Sorry to hear about your woes Tom. Standard stuff, claiming on insurance, unless it's really significant, is never worth it.

This might make you feel a bit better...

A few years ago I was hit in the rear, non-fault incident, the other insurer paid up eventually after trying "Let's go 50/50 shall we?"

However, come renewal time I had to declare the "incident" (even though it was not my fault) and my premium went up and has been more expensive for the last 4 years.

To make it worse, I am also a named driver on my wife's policy and her insurance went up too.

We'll both end up paying elevated premiums for 5 years. (For a non-fault incident!)

Moral of the story - don't get married!!
 
Norfolk Jim

Norfolk Jim

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173
Location
Norfolk
Vehicle
Looking to buy
My son had a prang many years ago at some traffic lights. Car came across in front of him when filter was red for them. My son had a couple of mates in his old Ford Escort and one took a photo immediately after the accident which was quite late at night. Also he recorded using video on his phone the quick conversation about the others say all fine no-one was hurt.....................Reported it to insurers Norwich Union at the time and they started to deal with it. After a couple of weeks son had call saying they were going 50/50 as other company was part of Norwich Union and the others said my son had run a red light - one was also saying they needed to go to hospital as they had neck pain. Needless to say furious and not acceptable but insurers wouldn't budge. I got the photo of the accident scene from his friend and using Google Earth showed due to the position of the other car it was impossible for them to have been even in the right lane to cross let alone where they'd turned from. We sent that in and the recording of the incident with a request for the time & date they attended A&E as they were also trying to claim hotel overnight costs.................gave them 14 days. Result found my son was correct and also the others ended up in court for fraud as no A&E had record of them attending. Difference was offer of £600 to final payout of £2100. Always worth fighting your corner. I use LV and they've been excellent even after 2 windscreen claims my premium only rose by £18 this year.
 
J

jamessclarke

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Messages
54
Location
Chester
Vehicle
T5 Beach
I had 2 vehicles on Admiral multi car insurance. No claims. Over 3 years premium went up and up. At recent renewal quote I rang and quibbled. Immediately knocked £150 off renewal. Insured elsewhere for another £100 less.
I am afraid it is a game for them.
 
Velma's Dad

Velma's Dad

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2,338
Location
Buckinghamshire
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T5 SE 180
I had 2 vehicles on Admiral multi car insurance. No claims. Over 3 years premium went up and up. At recent renewal quote I rang and quibbled. Immediately knocked £150 off renewal. Insured elsewhere for another £100 less.
I am afraid it is a game for them.
Unfortunately these days you are punished for loyalty. You really have to get fresh quotes every year especially if you have a number of vehicles (yes, first world problem I know).

The insurance industry is massively stacked against the consumer, as far as I can see. The old and inefficient brokerage model has been replaced by "aggregators" (price comparison sites) that add no overall value to the system (they don't create any additional demand for insurance policies), they just create and profit from churn. Plus, billions a year spent on advertising by the industry, that all ends up being paid for by... us, who are obliged by law to have insurance.
 
P

PeteS

Messages
62
Location
Bristol
Vehicle
N/A
Technically you should let your insurance company know of any damage to you vehicle even if you intend to claim or not. They will then use this to calculate future premiums based on your risk. I tend to put a high excess on my insurance with a view that I will only claim if the damage is large enough or damage someone else’s vehicle.
 
T

Tom T

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Messages
29
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EXETER
Vehicle
T5 Beach
My son had a prang many years ago at some traffic lights. Car came across in front of him when filter was red for them. My son had a couple of mates in his old Ford Escort and one took a photo immediately after the accident which was quite late at night. Also he recorded using video on his phone the quick conversation about the others say all fine no-one was hurt.....................Reported it to insurers Norwich Union at the time and they started to deal with it. After a couple of weeks son had call saying they were going 50/50 as other company was part of Norwich Union and the others said my son had run a red light - one was also saying they needed to go to hospital as they had neck pain. Needless to say furious and not acceptable but insurers wouldn't budge. I got the photo of the accident scene from his friend and using Google Earth showed due to the position of the other car it was impossible for them to have been even in the right lane to cross let alone where they'd turned from. We sent that in and the recording of the incident with a request for the time & date they attended A&E as they were also trying to claim hotel overnight costs.................gave them 14 days. Result found my son was correct and also the others ended up in court for fraud as no A&E had record of them attending. Difference was offer of £600 to final payout of £2100. Always worth fighting your corner. I use LV and they've been excellent even after 2 windscreen claims my premium only rose by £18 this year.
Good to know thanks. LV come up repeatedly as a mainstream insurer which seem to have a fairer approach to pricing. If I can’t get my NCID record updated, will probably speak with them
 
T

Tom T

VIP Member
Messages
29
Location
EXETER
Vehicle
T5 Beach
Technically you should let your insurance company know of any damage to you vehicle even if you intend to claim or not. They will then use this to calculate future premiums based on your risk. I tend to put a high excess on my insurance with a view that I will only claim if the damage is large enough or damage someone else’s vehicle.
Appreciate that technically one could argue that every scuff and scratch (Hedges etc??should be notified - but does that actually happen? I think you are saying you don’t because you would only claim if significantly higher than your already high excess? Right?
 
Jeeves

Jeeves

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Messages
49
Location
Lancashire
Vehicle
T6 Beach 150
Ok, so I'm no fan at all of insurers but I had a fairly reasonable experience with Admiral....Last year in Croatia whilst on a camping pitch with the tailgate open, our lunchtime was literally "rocked" as a german caravanned towed past our pitch and misjudged the gap...his caravan literally ripped off the tailgate on our California and left a huge gouge in his caravan.
we were faced with being stranded in Croatia as the van door was hanging by a thread...contacted Admiral who initially were poor, stating the vehicle would have to be repatriated to UK on a low loader (didn't understand the 4 of us were living in it !!).
Managed to get a local running repair to literally have it welded shut and limped back home.
Repairs were authorised (running into £2k ) and all I had to pay was the £400 excess ...incident was treated as uninsured loss as third party wasn't UK driver.
Admiral have chased the excess for me which I got last month and I have just renewed without any increase in premium...I have multi-car policy with second vehicle and only pay £500 for california and kia piccanto.
On top of that I got £50 covid reimbursement....
I didn't lose a penny......As I say, I'm no fan of insurers but Admiral do come up as one of the cheapest policies around for a California and I have tested the policy in the field so to speak
 
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