Nightmare that keeps getting worse - Admiral

[fml2020]

Hello,

Can someone help me please? I was done for D&D in 2020 and however I am still fighting admiral. They do not answer back to any of my emails after when they have demanded the money I owe them. My problem right now is the fact that my current car insurance is due 2nd august and they’re quoting me £2.8k when I paid nearly £700 last year. The lady on the phone said to me that she has no idea why it’s inflated so much and asked me has anything changed which I replied no and she said I’m not sure why the underwriters have put it up so much. Now I’m thinking had admiral put a mark against my name without telling me? As I haven’t paid the money. I’m not sure where to go from now, who to speak too or what the best option is. If you have any advice that would be great

 

[TCB1989]

You will be best off doing a shop around, i know typically people without convictions around me their car insurance has risen my friends has gone up by £200 for the year, no convictions, no claims and maximum no claims bonus, sure good old Rishi Sunak will put it down to "cost of living and suck it up".

Ive read on a few posts the specialist convicted driver insurer companies aren't always the cheapest........

On a serious note I dont think insurers can put a black mark against you, they wouldn't need to, with the conviction code of DR or whatever I dont think they would necessarily need to black mark you.

 

[fml2020]

You will be best off doing a shop around, i know typically people without convictions around me their car insurance has risen my friends has gone up by £200 for the year, no convictions, no claims and maximum no claims bonus, sure good old Rishi Sunak will put it down to "cost of living and suck it up".

Ive read on a few posts the specialist convicted driver insurer companies aren't always the cheapest........

On a serious note I dont think insurers can put a black mark against you, they wouldn't need to, with the conviction code of DR or whatever I dont think they would necessarily need to black mark you.

I fully understand the inflation but even the lady on the phone said it shouldn’t have gone up that much considering it’s my 3rd year since the conviction. On the market I’m looking about £1k - to £1.3k but yeah I’m just wondering if admiral could be part of it that’s all and I haven’t heard from them since the start of September last year

 

[Dave999]

Hello,

Can someone help me please? I was done for D&D in 2020 and however I am still fighting admiral. They do not answer back to any of my emails after when they have demanded the money I owe them. My problem right now is the fact that my current car insurance is due 2nd august and they’re quoting me £2.8k when I paid nearly £700 last year. The lady on the phone said to me that she has no idea why it’s inflated so much and asked me has anything changed which I replied no and she said I’m not sure why the underwriters have put it up so much. Now I’m thinking had admiral put a mark against my name without telling me? As I haven’t paid the money. I’m not sure where to go from now, who to speak too or what the best option is. If you have any advice that would be great

Try acorn insurance they are specifically for DR drivers

 

[Tess1234]

The same thing has happened to me. Jumped from £600 to £1300 fully comp with no incidents I use a broker (GSI) who has saved me money year on year and they couldn’t understand it either. I shopped around with some other specialist DD insurance brokers but the second cheapest quote was £2000.
I’ve been back on the road for 3 years.

 

[fml2020]

The same thing has happened to me. Jumped from £600 to £1300 fully comp with no incidents I use a broker (GSI) who has saved me money year on year and they couldn’t understand it either. I shopped around with some other specialist DD insurance brokers but the second cheapest quote was £2000.
I’ve been back on the road for 3 years.

I thought it would be to do with inflation or not paying Admiral back yet for the costs I owe! That’s crazy it’s gone from £600 to £2k. I will keep on looking just a shame that they penalised us more as the years gone on and not when we first did it!

 

[fml2020]

Hey guys,

I have just received a call back from admiral talking about 1 out of 2 cars that was not taxed when I hit it, therefore not road legal. However, I said I took full responsibility in what I’ve done but argued about that the car that should have been SORN and off the road. I said ‘no tax, no insurance’. I told them that I spoke to DVLA and admiral and both stated that it shouldn’t have been insured. My case handler is saying she understands where I’m coming from but admiral has a duty of care and where it is a civil matter even if it didn’t have tax or insurance, they still have a duty to put the third party back into the position prior to the accident so they’re fully entitled to cover any losses from them apart from a hired vehicle. She then asked if I had any evidence to show if the car did not have tax (which I do have). She said it would be helpful but didn’t explain from why it would be. Any ideas?
Furthermore, my case handler said admiral didn’t deal with the total losses direct. The third party companies dealt with it and forward them the documents to reimburse the cost. She said they wouldn’t have sold the vehicle but the third party itself would have given payment of the value of the vehicle minus the amount savage of the vehicle and would have given the option to retain the vehicle or keep it. Is there anyway that is okay or can I argue with any of that?

Also, with regards to the storage of one of the cars she is going to look further into getting more documents and information to make sure it is okay for the vehicle to be put into storage as the salvage company does not know if it was a total loss or repair so I am being charged within the time of inspection and the company to pick it up. she said she is seeing to see if that was needed or required and to see if they were happy to see why it is was in there for so long if not it will be reduced from the total. I cannot argue with that, can I?

One of the cars are a Cat S but not sure about the other one as it’s currently on the road somewhere. Case handler said that the Cat S car 'was a write-off because the costs of repairs would have been estimated close to or more than the vehicle value so it wouldn’t have been economical to repair it, so it wasn't a total loss based on the serve structural damage that could not be repaired it just wasn't economical. I just don’t want to miss out on anything and let Admiral get away with some of the prices. Again I take full responsibility for what I have done and totally understand but we all know how admiral does not ‘take your best interests’.

I remember speaking to Depressed Dad about this and just wanted any advice about bringing the costs down more or even argue anything more about the cars.

Thanks

 

[Depressed Dad]

I can't see any harm in giving Admiral the evidence of the vehicle being untaxed and uninsured.

You could try to negotiate a reduced price for the untaxed vehicle on the basis the owner was negligent and partially to blame.
Definitely no car hire costs for them.

You can pay for an HPI check on the vehicles. It should tell you what write off Category they are.

Vehicles are written off when the repair costs are over a certain percentage of the vehicle value. However, that's based on inflated high cost repairers doing the work.
In many cases people buy the car back and get it repaired for a far cheaper cost than the original quote.
So that often means the owner gets his car back and pockets a few quid.
I would argue for a lower figure than the write off costs. At the very least least knock off the salvage costs.

Ask Admiral what they've done to challenge and reduce the size of the claim. Or have they just paid up whatever the third party was asking?

 

[fml2020]

I can't see any harm in giving Admiral the evidence of the vehicle being untaxed and uninsured.

You could try to negotiate a reduced price for the untaxed vehicle on the basis the owner was negligent and partially to blame.
Definitely no car hire costs for them.

You can pay for an HPI check on the vehicles. It should tell you what write off Category they are.

Vehicles are written off when the repair costs are over a certain percentage of the vehicle value. However, that's based on inflated high cost repairers doing the work.
In many cases people buy the car back and get it repaired for a far cheaper cost than the original quote.
So that often means the owner gets his car back and pockets a few quid.
I would argue for a lower figure than the write off costs. At the very least least knock off the salvage costs.

Ask Admiral what they've done to challenge and reduce the size of the claim. Or have they just paid up whatever the third party was asking?

Thank you so much for get back to me DD!

How do I argue more about the salvage costs as she’s trying to find out if it was acceptable for the amount of time the cars were in storage for?

 

[Depressed Dad]

Thank you so much for get back to me DD!

How do I argue more about the salvage costs as she’s trying to find out if it was acceptable for the amount of time the cars were in storage for?

The question with salvage is whether someone has made a profit from buying the written off vehicle and repairing it.

Sometimes the owner will buy it back and get it repaired or it's sold by auction to guys that do them up and sell them for a living.

My argument would be that if it is economical to repair then I'll have the vehicle if I'm being charged for the full write off cost.

Note: Some vehicles are too badly damaged and dangerous to be allowed back on the road.