Admiral insurance and DCC

[ffrank]

Has anyone got this combination? Been on the phone to them for an hour and they can't give me a premium as they don't understand DCC as an optional extra... on hold again now.

VW insurance runs out at midnight tonight, grr!

Update: Had to take the insurance out without covering DCC, so they can speak to the underwriters tomorrow. If my car is nicked tonight they could look to pay me 'market value - DCC', hmm!

[monkeyhanger]

Hate the Admiral group. Had a non fault accident years ago, other side admitted responsibility and paid for everything, no no-claims lost....they doubled my renewal. Have given them a wide berth ever since.

[C2K]

Both ours are through Admiral multicar  I recall specifying all the optional extras including dcc but can't remember what came of the lengthy discussion about what it was doing for the car. Very odd,  but my premium was very good. I'm old though lol.

[ffrank]

I had them do the same thing to me a few years back monkeyhanger, although it was a split fault accident on my wife's car. I was able to just renew online as a new customer for half as much as the renewal! Not sure if they have clamped down on that now though.

Yes, on the multicar too C2K, it was by far the cheapest for our cars this year. Good to know your DCC went through, I think it was very much a case of the chap and his supervisor not knowing how to categorise it so hopefully they sort it tomorrow.

Just got my gap sorted from ala too, money10 for 10% off if anyone hasn't seen that.

[2014GTi]

I've been with admiral for years and never had any problems.
I just told them what factory options were fitted to the car when I took out the policy and was never asked any lengthy questions regarding DCC or anything else.

I think you may just have had a numpty on the other end of the phone who was unsure.

Regarding GAP just go with Volkswagen via price matching.
I got my GAP for £174. 

[ffrank]

I think so, as nice as he was he did seem a bit new - I had to tell him if he took my license plate I wouldn't have to tell him my engine cc etc. 

I didn't know VW did price matching, although I don't know how the t&c's compare? I've got it from ala now, £225 for 4 year vehicle replacement, so pretty good.

[monsta]

Am I missing something, why do you have to explain optional extras to your insurance company?    I was under the impression that was only if it's modified i.e. after you bought it?

[Mohsin]

Am I missing something, why do you have to explain optional extras to your insurance company?    I was under the impression that was only if it's modified i.e. after you bought it?

Exactly this...

I gave them all the normal details, one of the questions being has it been changed from the manufacturers standard specification? I can only assume this means all optional extras are included within this as they are from the manufacturer and not done by a third party afterwards??

[mullermn]

Am I missing something, why do you have to explain optional extras to your insurance company?    I was under the impression that was only if it's modified i.e. after you bought it?

Exactly this...

I gave them all the normal details, one of the questions being has it been changed from the manufacturers standard specification? I can only assume this means all optional extras are included within this as they are from the manufacturer and not done by a third party afterwards??

Well, if they've got the impression that the OP has retrofitted non-manufacturer dynamic suspension to his car you can understand why they would want to ask the underwriter. That would be quite a modification.

[monkeyhanger]

You need to make it clear that the DCC is a factory fitted optional extra for the purposes of them paying out any settlement that takes it into account should a total loss that requires settlement occur.