Thanks for your responses.
Depressed Dad:
- The incident happened in 2016 (I'm wary of giving specifics as, like you, I feel uncomfortable that Admiral could be checking up on the thread)
- I cannot remember the reading at the roadside, however I am in the process of requesting the report from the police so I should have that information in due course.
- The cancelling of the policy
may be incorrect information. Basically, my family are all under the multi car policy* which is sorted out by my Dad. I queried him about the cancelling of the policy (well,
my policy - for some reason he has decided to stay with Admiral even after all this!) before writing this response, and though he said he wasn't 100% sure if it was him or Admiral, I do feel like it would make sense that he cancelled it as I no longer had a car to insure and I haven't since. I was left paying off the remainder of my car finance for a car I no longer had (it was too expensive to repair myself) and my gap insurance was invalidated because my car insurance weren't paying out. Also he does remember Admiral saying that he/I would not be refunded any money from the cancellation (we pay annually and had literally just renewed the previous month) which I guess if they had made the decision, would have been a given?
- * side note: I am unsure how the multi car policy works. My Dad is not in your situation, because I wasn't a named driver under him; I was my own Policyholder. Of course I am relieved this means my situation didn't affect him at all, but I do find it strange that you can have insurance completely in your name with excess limits and T&Cs agreed to, but agreed by someone who isn't actually the Policyholder - I'd never spoken to Admiral or signed anything myself (I am 18+).
- The last I heard, they were attempting to contact me to investigate the situation. I haven't heard from them since late 2017. Admittedly I threw my toys out of the pram from when they said they weren't going to pay out my claim - I thought to myself, why do you need information from me when you can just go by the police report. I felt they'd clearly made their mind up that I was at fault if they weren't paying the claim. I was young and dumb and now I'm too scared to get in touch for an update incase it spurs them on to pursue these costs.
You're right, it is unfair. Regardless of the situation, as you and others have said in previous posts, all crashes are due to somewhat negligent driving so why don't these same rules apply to driving whilst on a mobile phone or speeding which is still breaking the law with the potential to cause harm. And why don't other insurers apply the drinking clause to their policies, why is it just the Admiral group? I'm not condoning drink driving, but how is it fair that you're legally allowed to have one beer and still drive, but anyone who does that and is insured by Admiral could fall victim to this awful scenario.
price1367:
- My readings at the police station are as follows:
- A letter my passenger received in the following days from the police, states the incident was at 01:37 hrs, so actually, not even an hour had passed.
- I was in England when this happened.
Many thanks