10-10-18, 12:15 AM
(This post was last modified: 10-10-18, 01:04 AM by Millietant.)
When your repair is claimed against another party (even another Amiral customer) Admiral do provide a like-for-like car, size/configuration wise. But when it's an at fault claim, their policy is different
Because my wife was the "at fault" driver, Admiral's policy when I took the car in for repair is to provide the smallest possible car - they call it a "class A" car - irrespective of what your car is.
I must say, that when Admiral are claiming against another driver, they are fantastic - but when it's your fault, they do everything they can to get out of giving you anything. To cap it all off, I paid for their "protected no claims bonus" so that if we had an accident, our premium wouldn't skyrocket - what a Swizz that was. Our renewal price more than doubled. When I queried that they told me I was still getting my full no claims discount %, but because of the claim, our premium had basically doubled because of the accident (as a simplified explanation example, assuming our first premium was £1000, but with a 55% NCD it went down to £450, then our renewal premium went up to £2,000, but with the 55% protected NCD it went down to £900).
Either way, I paid for "protected NCD", so they just loaded the headline premium instead. They just fix it so there is no risk to them (they don't give you your money back in a claim free year, but want every penny back the following year when you do have a claim).
Because my wife was the "at fault" driver, Admiral's policy when I took the car in for repair is to provide the smallest possible car - they call it a "class A" car - irrespective of what your car is.
I must say, that when Admiral are claiming against another driver, they are fantastic - but when it's your fault, they do everything they can to get out of giving you anything. To cap it all off, I paid for their "protected no claims bonus" so that if we had an accident, our premium wouldn't skyrocket - what a Swizz that was. Our renewal price more than doubled. When I queried that they told me I was still getting my full no claims discount %, but because of the claim, our premium had basically doubled because of the accident (as a simplified explanation example, assuming our first premium was £1000, but with a 55% NCD it went down to £450, then our renewal premium went up to £2,000, but with the 55% protected NCD it went down to £900).
Either way, I paid for "protected NCD", so they just loaded the headline premium instead. They just fix it so there is no risk to them (they don't give you your money back in a claim free year, but want every penny back the following year when you do have a claim).
