GolfGTIforum.co.uk
Model specific boards => Golf mk7 => Topic started by: Rob_benton on 21 April 2020, 12:44
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Just had an email from Admiral insurance telling me I’m getting £25 back for each car while I’m not using them. Result !
Not often you get money back from insurance companies ! 😂
If you have insurance with them check your emails.
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My OH has had the same from Elephant. I think they are part of the same group.
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Yep the Mrs had the same message from admiral.
Very unusual and like already said normally you have to fight get any sort of money back from insurance companies.
Maybe there now should be a list started of said companies who have followed suit.
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Hi,
Same for the missus and myself with us being on Admiral multi-car insurance
A small silver lining amongst all of the clouds ...
:smiley:
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How do they know which cars you aren't using?
And 25 quid out of how much you pay? If you aren't using it for probably 6 months, is twenty five quid really half your premium?
Sounds more like they are trying to hook you with a payout before you ask for 6 months back...
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So cynical Fred. 25 quid back for any Admiral car insurance policy in place on 20/4/20....
because they are saving trillions due to reduced claims so giving back a tiny percent to existing customers is a cracking marketing move.
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https://uk.yahoo.com/finance/news/coronavirus-car-insurance-admiral-to-refund-110m-to-customers-100528716.html
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How do they know which cars you aren't using?
And 25 quid out of how much you pay? If you aren't using it for probably 6 months, is twenty five quid really half your premium?
Sounds more like they are trying to hook you with a payout before you ask for 6 months back...
My email doesn't say anything about not using the car, it's money back from claims they expected but haven't had. For us, the £25 equates to about 12%. Far better than a poke in the eye :smiley:
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It says they are giving back £110 million to customers.
That’s quite a bit for a company to just give away.
Even though there’s less risk of crashing due to not driving the cars as much for the time being, they’d still be expected to pay out around £30k if my cars were stolen or set fire too !
So I’m happy to keep paying.
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It says they are giving back £110 million to customers.
That’s quite a bit for a company to just give away.
Even though there’s less risk of crashing due to not driving the cars as much for the time being, they’d still be expected to pay out around £30k if my cars were stolen or set fire too !
So I’m happy to keep paying.
It's because it's done on their polices as a whole and not an individual basis. Since the majority of the country are mostly staying in their number of claims have probably flown down.
I'm with Hastings and have driven my GTi once in 4 weeks :grin: so far doesn't look like I'm getting anything. Great publicity for Admiral tho.
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Not had a mail yet, but heard it on the news.
25 each car of my multi-car policy, so £150 for my policy, 6 cars and 4 drivers.
Not gonna complain.
Be interesting what the renewal comes in at in a couple of weeks though.
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I would imagine it’s a drop in the ocean compared to bonus’s they are making as a result of reduced claims at this time. Excellent piece of marketing for them though :wink:
Be interesting to see if others follow :whistle:
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Hopefully the other insurance companies will be shamed into doing the same. Should've been a percentage of premium rather than a flat fee, but then it would be easier to see what a pittance they're really giving the average customer.
I'm with "quotemehappy" for both of our cars (Aviva by another name?), will give it a week to see if they are looking to do the same, then drastically reduce the mileage on the policies as we get free online alterations (no admin fee).
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I'm with "quotemehappy" for both of our cars (Aviva by another name?), will give it a week to see if they are looking to do the same, then drastically reduce the mileage on the policies as we get free online alterations (no admin fee).
Something that might be worth doing is if you are not going to a permanent place of work is to change your use to domestic and pleasure only.
That will radically change the premium... combine that with mileage and assuming they don't sting you for doing it, you should be quids in.
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I'm with "quotemehappy" for both of our cars (Aviva by another name?), will give it a week to see if they are looking to do the same, then drastically reduce the mileage on the policies as we get free online alterations (no admin fee).
Something that might be worth doing is if you are not going to a permanent place of work is to change your use to domestic and pleasure only.
That will radically change the premium... combine that with mileage and assuming they don't sting you for doing it, you should be quids in.
I changed the use under my policy to ‘social, domestic and pleasure’ only a few years ago when I retired, so was no longer using my car for commuting to work. It didn’t make much difference to the premium; it certainly wasn’t radically lower.
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I use to have one of my policys without commute on it but it made little to no difference.
One of mine was with Admiral until the start of April but its now with Hastings saved me £40 guess thats now only £15
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Direct Line don't seem to be too charitable at the moment. My renewal came the other day for my Caravelle, up from £256 to £355!!!
Bye bye Direct line, hello LV at £235.
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Direct Line don't seem to be too charitable at the moment. My renewal came the other day for my Caravelle, up from £256 to £355!!!
Bye bye Direct line, hello LV at £235.
I'm with Hastings and it's the only company I've been with in my 10 years of driving to actually drop the price without me contacting them. They sent a letter through the post with my new renewal on saying the price was dropping and when I went on comparison websites I couldn't even beat it myself :grin:.
I'm not tell anyone to change to Hastings, always shop around for the best deal. But if you find a good company, try and stick with them. If you find your price is too high, go on a comparison site, find the best deal, callt ehm up, and they'll more than likely price match to keep you with them.
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An insurance company is only as good as when you need to make a claim. Having had an Admiral policy in the past (bought based on cost alone), when I actually needed help (somebody drove into me) they were a complete nightmare to deal with and I was left significantly out of pocket. I was constantly chasing and navigating Red tape, loopholes and penalties were put on me & my policy based on somebody else's actions. After reading the small print these penalties were Admiral specific and not a general insurance penalties.
Compare that with Aviva, who my ex's car was insured with, and when she made a claim in an accident she caused, the difference was Biblical. Aviva were very hands off, super efficient, and great comms.
I go with Ageas. They are c10% more than the cheaper quotes, but the level of cover is much better and should the worst happen the small print T&C's are on my side.
You get what you pay for.
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An insurance company is only as good as when you need to make a claim. Having had an Admiral policy in the past (bought based on cost alone), when I actually needed help (somebody drove into me) they were a complete nightmare to deal with and I was left significantly out of pocket. I was constantly chasing and navigating Red tape, loopholes and penalties were put on me & my policy based on somebody else's actions. After reading the small print these penalties were Admiral specific and not a general insurance penalties.
Compare that with Aviva, who my ex's car was insured with, and when she made a claim in an accident she caused, the difference was Biblical. Aviva were very hands off, super efficient, and great comms.
I go with Ageas. They are c10% more than the cheaper quotes, but the level of cover is much better and should the worst happen the small print T&C's are on my side.
You get what you pay for.
This is so very true. I never go with the cheapest insurer who’s likely to be a company I’ve never heard of and there’s very little feedback or customer review information on their service.
+1 for Aviva. I’m insured with them currently - they’re not the cheapest, but I have personal experience of their claims service (albeit some years ago), and my brother had excellent claims service from them a couple of years ago. I’d rather pay a bit extra for good service than buy solely on price and get poor service. Aviva’s closest recommended repairer to me is also a
VW approved repairer if I ever need to repairs to my car under an insurance claim.
Aviva have also been willing to reduce my renewal price when I’ve phoned them to tell them I could get cheaper cover elsewhere.
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Buy the cheapest and never use the b@strds.
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Buy the cheapest and never use the b@strds.
You can only be assured of not needing to use them if you're never in an accident. If you're in an accident that wasn't your fault, I'd go with a claims company personally, the insurance companies I've been with when making a claim for a non-fault accident have never fought my corner. The 4 I've had in the last 14 years have been slam-dunk non fault cases. The worst I had to deal with was being with Elephant (Admiral) when my parked up 2 week old MK5 Golf got clattered by a bus. The bus company admitted liability immediately once confirming that gheir nus had damage corresponding to that on my car (the driver did a hit and run). Elephant were a PITA throughout and their legal team were useless. The icing on the cake was when my renewal came through - £400 up to £800, for a confirmed non-fault claim.
Another was a rear shunt into me while I was at a standsrill at the end of a slip road to a busy roundabout. The other side were Admiral insured. Pics and dashcam footage to confirm my account of events, still took forever to admit liability because their client was non-responsive (why should you care about his account when you have dashcam footage?).
Avoid Admiral group like the plague!
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Your first incident is a good example of why I want as little to do with these people as possible. They are not interested in fault, they are interested in risk. In the end you’ll pay for it.
And usually minor repairs can be done at a fraction of the cost incurred when insurers get involved.
For me, they’re only to protect against big value claims/ write off and third party.
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Your first incident is a good example of why I want as little to do with these people as possible. They are not interested in fault, they are interested in risk. In the end you’ll pay for it.
And usually minor repairs can be done at a fraction of the cost incurred when insurers get involved.
For me, they’re only to protect against big value claims/ write off and third party.
A bus hitting a 2 week old car and leaving it 12 feet from where I parked it, after having pushed it into the car parked just in front of mine. It was a big claim. I was most disappointed that the car wasn't written off.
The real issue is that the bus company held their hands up straight away and it was still a ball ache to get Admiral to do anything for me, even having paid for their legal protection. The legal protection team strung out the repair as long as possible (7 weeks) because they supplied me with a lesser Golf at a rental rate of £650 a week costed to the other party! It was about £7k in repairs and £4800 in car hire. The repair was piss poor too, at a main dealership group's bodyshop. Admiral made a fortune out of the other side and still tried to screw me at renewal. Avoid.
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That makes me feel more favourably towards DL! Of the two accidents I had, the second when someone ran into the back of me was really straightforward, no bother at all. The first, when a foreign lorry side swiped me, was a bit of a pain. They treated it initially as a 50/50 so I had to cough up my excess and they seemed to be messing about but in fairness, after just over 3 years later, I got a cheque for my excess back, £300! So I would consider going back to them. Another positive aspect with them is they don't charge for policy changes which came in handy a few times.
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Admiral were superb for me in a non-fault accident. A daft tw** driving his wifes Renault Zoe tried to overtake on a road that was merging into a single lane, failed miserably and dragged his
toy car down the side of mine. He blamed me, he then got a rollocking from his wife who was in the passenger seat (which was a joy to watch), but he still insisted I was at fault.
Admiral were having none of it, I sent them photos of the incident and the road, the lady assisting me spent some time on the phone looking at Google Maps together so she could see the road layout, and that was that. They assured me it they believed it wasn't my fault, they fought my corner, and the third parties insurance company ultimately agreed and paid out.
The only criticism I have if anything is I had to ask for an update a couple of times, they could have been more proactive with their comms, but since I had nothing to do nor worry about that's a small point.