Compulsory excess?

[TonyJ]

Have to say I didn't shop around much... My wife and kids are on an admiral multi car policy and it wasn't until I'd signed up that I started to think "isn't that a bit high?"

Then thought to ask you lot...

We were on an Admiral multi car for several years, but the recent renewal was really high, even after bartering the down.
We've left Admiral now, and gone to Aviva. Try them for a quote. Lower premium, AND lower compulsory excess

[SRGTD]

Have to say I didn't shop around much... My wife and kids are on an admiral multi car policy and it wasn't until I'd signed up that I started to think "isn't that a bit high?"

Then thought to ask you lot...

We were on an Admiral multi car for several years, but the recent renewal was really high, even after bartering the down.
We've left Admiral now, and gone to Aviva. Try them for a quote. Lower premium, AND lower compulsory excess

+1 for Aviva; I've found them to be very good in terms of competitive premium, excess, good product and customer service.

[RCMike]

I've got £250 compulsory and £0 voluntary. As i have other cars insured with different companies, i got them all to quote and for me and the companies that quoted lower compulsory, also quoted higher premiums (by around 200~250). I'm well over 25 with lots of NCB (used on the Golf) by the way. My other cars have £0 compulsory excess so i'm assuming in my case, the insurance group of the car has a big effect.   

[fredgroves]

Thanks Mike.

I guess its swings and roundabouts... if I don't have a prang then I have a cheaper premium.

[Jim_mk7.5]

Have to say I didn't shop around much... My wife and kids are on an admiral multi car policy and it wasn't until I'd signed up that I started to think "isn't that a bit high?"

Then thought to ask you lot...

You should try comparethemarket.com as you can filter by comp/voluntary excess so just see results with lower excess. Normally use this for all insurance, albeit not my own car as its a company one.

[GTD184]

I would be wary of Admiral if you are insuring a new car because I obtained a quote from them most recently for my new Tiguan R-Line and was advised that they do not offer a replacement vehicle in the first 12 months! They only pay market value!......went with Aviva in the end on a multi car policy that cost less for my GTD and R-Line Tiguan combined than Direct line insurance premium renewal for my GTD!

Insurance companies are a law onto themselves and have a licence to print money!!

[SRGTD]

I would be wary of Admiral if you are insuring a new car because I obtained a quote from them most recently for my new Tiguan R-Line and was advised that they do not offer a replacement vehicle in the first 12 months! They only pay market value!......

Shows how important it is to consider the overall package (premium, scope of cover provided, excess, cost of any optional add-ons) and not just the premium. The insurer offering the most competitive premium isn't necessarily offering the best deal.

[brettblade]

I would be wary of Admiral if you are insuring a new car because I obtained a quote from them most recently for my new Tiguan R-Line and was advised that they do not offer a replacement vehicle in the first 12 months! They only pay market value!......

Shows how important it is to consider the overall package (premium, scope of cover provided, excess, cost of any optional add-ons) and not just the premium. The insurer offering the most competitive premium isn't necessarily offering the best deal.

Indeed, Admiral (and their group of companies) also told me that my manufacturer fitted factory options would have to be declared if they were to be covered by the policy.  Aviva, on the other hand, advised that they cover everything fitted at factory and, if I recall correctly, everything fitted as a genuine option by the dealer.