admiral insurance messup

[Chris5044]

ok .... i hope theres someone ere that works for em....

right .... listen to this.... took out policy .... declared exhaust and brake discs..
they said that the discs class as uprated therefore a mod

2 mods ... bumped policy up by 2 increments

phoned 4 months ago .. asked to put my discs to standard would it decrease policy?

they said no ... might aswell leave em on .... i said ok...

phoned 2day ..... apparaently i have only the exhaust as a mod....

when i said about the brakes .... they then said ok ... thatll bump ur premium up again!!!!!!



I went ape!!!! ......

just think what would have happened if i crashed and they said my insurance is void because of the brake discs!!!!!

I sorted the problem....... but still it makes me wonder how companies can just change there mind about things......had other issues too

any thou ghts?

[volcano rs]

if you speak to two different people from the same company within few minutes you'll get totally different answers .go to specialists who cover performance cars .

[Jamo]

ok .... i hope theres someone ere that works for em....

right .... listen to this.... took out policy .... declared exhaust and brake discs..
they said that the discs class as uprated therefore a mod

2 mods ... bumped policy up by 2 increments

phoned 4 months ago .. asked to put my discs to standard would it decrease policy?

they said no ... might aswell leave em on .... i said ok...

phoned 2day ..... apparaently i have only the exhaust as a mod....

when i said about the brakes .... they then said ok ... thatll bump ur premium up again!!!!!!



I went ape!!!! ......

just think what would have happened if i crashed and they said my insurance is void because of the brake discs!!!!!

I sorted the problem....... but still it makes me wonder how companies can just change there mind about things......had other issues too

any thou ghts?

Brake discs as a mod??????????? your having a laugh!

[s2driveruk]

anything non standard......

[4WheelDrifter]

if you speak to two different people from the same company within few minutes you'll get totally different answers .go to specialists who cover performance cars .

It's true. Speak to different people or on a different day/hour/minute, your premium will change every time. Sometimes mods will make a difference, sometimes they won't. There is no logic to it.

[Chris5044]

@volcano .. who u with?

[rotoryboy]

I'm with A.Flux and i have a full itemised list of all mods been with them for 7 years now

[volcano rs]

@volcano .. who u with?

i'm with churchill they were the only ones willing to insure my left hand drive rs2 on chassis number alone as it wasn't registered in england .£700 fully comp protected i suppose it isn't too bad .

[stevieyid]

My brothers policy went down when he declared his AP Racing kit on his UR.

[Chris5044]

@stevey and the policy is?


@rotory boy ... do A.flux insure the value of the modificated part or do they just allow it to be done?...

what are they like for engine mods?

[Greenm3]

I had a problem with admiral, i phoned up to ask about the legitmacy of a potential claim, there was no claim, no accident, just incase there was. I then insured the car with soem one else a year later and they said i had a claim of 1k and i said that wasnt possible i conacted admiral and they said they couldnt remove it, so i asked for the £1k then as i handt recieved anymoney for my "Claim". So ive been paying a higher premium this year and nothing has been done still. nearly 10months later!
Any ideas on how to sort this out?
Mike

[stevieyid]

go to trading standards that always frightens these companies. The policy my brother has is fully comp i think with tesco. I no he was thinking of going over to classic so im not sure if the discount was on that.

[curlyks2]

do A.flux insure the value of the modificated part or do they just allow it to be done?

Yes they do: replacement is to the modified specification that you have told them about. Greenlight Insurance do the same. Both are specialist high performance and/or modified car insurers - and it makes a real difference.

Not all insurers appear to insure on this basis - I had quotes from some a year or three back where they wanted to charge £££ more because of the modifications, but would only repair to factory specification. Needless to say, I *cough* politely *cough* explained why I thought such a policy was ****.

Ck.

[volcano rs]

I had a problem with admiral, i phoned up to ask about the legitmacy of a potential claim, there was no claim, no accident, just incase there was. I then insured the car with soem one else a year later and they said i had a claim of 1k and i said that wasnt possible i conacted admiral and they said they couldnt remove it, so i asked for the £1k then as i handt recieved anymoney for my "Claim". So ive been paying a higher premium this year and nothing has been done still. nearly 10months later!
Any ideas on how to sort this out?
Mike

you need to contact watchdog or trading standards or they will always get away with it .

[Sidspud]

I had a problem with admiral, i phoned up to ask about the legitmacy of a potential claim, there was no claim, no accident, just incase there was. I then insured the car with soem one else a year later and they said i had a claim of 1k and i said that wasnt possible i conacted admiral and they said they couldnt remove it, so i asked for the £1k then as i handt recieved anymoney for my "Claim". So ive been paying a higher premium this year and nothing has been done still. nearly 10months later!
Any ideas on how to sort this out?
Mike

Its not trading standards you need to talk to. Its the insurance ombudsman. Admiral will send you forms if you ask them or else go to their website and fill in a complaint online.
The ombudsman will look at the case from an unbias point of view and make a decision that is final. If you lose then tough, but if you win, then Admiral have no option but to abide by their decision. It sounds like you have a valid claim against them, so I rekon you'd win easily.

When I had my accident I was with elephant.co.uk (part of the Admiral group). They would only restore the car back to its original spec. I was however allowed to remove the modified parts and replace them with the original parts. In my case I swapped back my brakes and wheels before my car was disposed of.

Direct Line noted the modified brakes, but didn't charge me anything extra as it was seen as a safety modification.