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sailorboi
Member Since: 26 Oct 2012
Location: Bristol
Posts: 2021
  
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Good Evening All,
Just after some advice please.
I have been with Admiral for the past 6 years and they have always been the cheapest with the extra modifications I have. However just got an email from them saying they no longer cover any modifications that are not offered by the manufacturer. Apparently this has been their policy since October 2017 but yesterday was the first I have heard of it as my renewal came through (in a separate email).
I have two issues with this:
1) does this mean that my mods have not been covered since Oct '17 or does this not apply to existing insurance until renewal? If so I am  they did not tell me.
2) The renewal I have received is one alot more expensive than I think it should be but two it still has all of my mods listed as being covered?
I have of course emailed them to query all this (I am unfortunately out the country atm so can not ring).
So if they wont cover me then I am looking to move my insurance else where but everyone else when looking last year seem to be considerably more expensive.
Has anyone with Admiral experienced this mod change?
or Any suggestions on who to try for insurance? I have already sent a message to A-plan to see what they can do as I have other insurance with them but for the D3 they always came back double the price apparently due to my age and SWMBOs age.
Advice appreciated as always  07 Java Black TD V6 D3, EGRs Blanked, Tow bar, Full dog guard & divider, LED Spots , DRLs, GG ATs, RLD Sump guard, RLD Spare Wheel Protector, D4 LED Rear Lights, Limo tints on boot and Midnight tint on rear windows, Kenwood screen with Garmin nav, Rear cameras, D4 Steering wheel with flappy paddles, T-max split charge system, Tree sliders, Prospeed roof rack & Ladder, Alisport fast road inter cooler,
Massey Ferguson 35x
Sankey Narrow Track Camping Trailer (Gone but to a great home)
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 3rd Apr 2018 8:31 pm |
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Sea Raider
Member Since: 01 Nov 2016
Location: None
Posts: 4450
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Can't say anything for the mods as I have none, however
Have been with admiral for 5 years, we have 3 cars on the multicar policy.
I was paying under the £200 for my Disco 3 but at renewal that jumped £50 for no apparent reason.
When I called them to remove to Disco, they then had to re-calculate the other 2 cars as there would be a rise in premium, was about £30 if I remember correctly.
I then asked for a new quote for the Disco with an increase on mileage and this came in cheaper than my renewal, so the Disco was again added to the Multicar policy BUT........they then had to recalculate the other 2 cars are they was more of a discount.
So my telephone call ended up saving us around £85 from the original quote
Confused dot Com no Admiral 
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| 3rd Apr 2018 9:09 pm |
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sailorboi
Member Since: 26 Oct 2012
Location: Bristol
Posts: 2021
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My renewal came in at £190 more which is not acceptable.
Normally I would ring and discuss it all with them but unfortunalty I am way at work and I can’t.
Also I am surprised with the cost hike seeing that according to their own emails they don’t cover modifications anymore and if that is the case and the modifications cover is removed from my policy the price should go down not up.
Hopefully they will reply to my emails tomorrow  07 Java Black TD V6 D3, EGRs Blanked, Tow bar, Full dog guard & divider, LED Spots , DRLs, GG ATs, RLD Sump guard, RLD Spare Wheel Protector, D4 LED Rear Lights, Limo tints on boot and Midnight tint on rear windows, Kenwood screen with Garmin nav, Rear cameras, D4 Steering wheel with flappy paddles, T-max split charge system, Tree sliders, Prospeed roof rack & Ladder, Alisport fast road inter cooler,
Massey Ferguson 35x
Sankey Narrow Track Camping Trailer (Gone but to a great home)
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| 3rd Apr 2018 9:31 pm |
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adam
Member Since: 20 Sep 2005
Location: Home and Happy
Posts: 6917
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I have 3 cars on Admiral Multi-Car, renewal came through last month, price increased by nearly £457 - after getting bored on gocompare etc. as couldn't get all cars cheaper. I called Admiral - one phone call, 15 mins, no hard haggling, very helpful representative, £710 reduction - cheaper this year than last and overall cheaper than messing about on the price comparison sites.
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| 4th Apr 2018 7:23 am |
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Gareth
Site Moderator
Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26772
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Really annoys me that insurance companies take this very customer negative tactic.
Why can’t they just give us a realistic renewal 1st time, instead of trying to rip us off!
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| 4th Apr 2018 7:29 am |
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Sea Raider
Member Since: 01 Nov 2016
Location: None
Posts: 4450
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Reckon its called business
Energy Companies
Phone & Broadband Companies
etc etc all do it.
I've saved over £200 on my bulk gas deliveries this year for sending 1 email to guy who does all the leg work.
These companies prey on loyalty and hope that customers cant be bothered to look around for deals.
I jump ship every year for the energy and phone, don't mind spending a few hours on the phone, usually worth it.
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| 4th Apr 2018 8:03 am |
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Asa
Member Since: 03 Jul 2016
Location: Essex
Posts: 178
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Insurance is rarely sold as a service it is a commodity hence these vast price variations.
Before accepting any renewal check with independent Brokers and comparison sites every year without fail, site sponsor on here is a good start.
Always check what you are getting for your money and double check the excess payments if the price seems very cheap in comparison to your renewal.
Voluntary and Compulsory excess are added together for a total excess payable, the amounts are often the same giving the impression that the excess stated is lower.
Always opt for Legal Expenses on any policy. This covers uninsured losses in the event of a non fault incident, excess payments, damage to personal items.
It's not fair if you don't know certain aspects of this industry.
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| 4th Apr 2018 8:22 am |
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Ipken
Member Since: 07 Mar 2018
Location: Mansfield Woodhouse
Posts: 38
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I always dread renewal time as have a couple of motorbikes, a d3 and a company car where my no claims sit.
I trawl the comp sites making sure I have the same excess etc and usually have a small group that come out top price wise.
I then look at pay out and complaint issues.
There isn't much point save g £100 to then find they don't lime paying out
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| 4th Apr 2018 9:31 am |
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Geoff at Drym
Member Since: 18 May 2015
Location: Cornwall
Posts: 584
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We had three cars all insured by Saga, One by one they increased the premium, and one by one we've gone elswhere, saving around £150 in total. 2007 Disco3 2.7 tdv6 SE
gvif with reversing camera
V8 brakes with new EPB module and shoes
Later D4 grille
Alive tuning remap
Mazda MX5
Ferguson ted20 tractor
Hyundai Getz 1.4 (wife's )
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| 4th Apr 2018 9:37 am |
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epninety
Member Since: 12 Oct 2012
Location: Hampshire
Posts: 329
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Admiral renewed my policy last month with no comment about the declared mods.
They did want to hike my premium from ~£220 to ~£280 because I declared attending a speed awareness course.
When I told them it wasn't acceptable, they put me on hold for 5 mins then offered me ~£250.
Told them to think again, back on hold, then offered ~£230.
Told them to get stuffed, still £10 too much.
Renewed at original quoted price.
They are just ****.
I wish NFU would give me a decent quote, they insure my other land rovers. They've insured my Ibex for about 15 years I think!
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| 4th Apr 2018 1:24 pm |
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gareth71
Member Since: 10 Apr 2016
Location: North-east Wales
Posts: 597
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As I understand it, you don't have to declare any attendance at speed awareness courses unless the insurer/broker specifically asks about it?
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| 4th Apr 2018 4:42 pm |
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epninety
Member Since: 12 Oct 2012
Location: Hampshire
Posts: 329
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You don't, which is why admiral specifically ask about it on their renewal proposals.
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| 4th Apr 2018 4:47 pm |
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BBDisco3
Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3646
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Asa wrote:Always opt for Legal Expenses on any policy. This covers uninsured losses in the event of a non fault incident, excess payments, damage to personal items.
Are you sure that's correct? 
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| 4th Apr 2018 5:24 pm |
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Asa
Member Since: 03 Jul 2016
Location: Essex
Posts: 178
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Yes tell me otherwise?
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| 4th Apr 2018 5:58 pm |
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BBDisco3
Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3646
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"Legal Expenses Insurance" covers the legal fees to persue the recovery of the uninsured loses.
It doesn't 'cover' the uninsured losses.
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| 4th Apr 2018 6:07 pm |
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