mebex Posted September 16, 2013 Report Share Posted September 16, 2013 Hi everyone,Just thought I'd share my experiences of this company as a warning really.I was insured with Admiral for my first car which was a Polo. After a year I decided I wanted a Lupo so I bought the Lupo and put it on fully comp with Admiral and asked them to put my Polo on third party indefinitely until I sold it as I wasn't driving it much and trying to sell it. I logged into my account one day to double check that my partner was still insured to drive the Polo and it said the insurance had been cancelled. I'd been driving that car around without being insured despite Admiral saying it would be covered 3rd party! That could have cost me my drivers license. They argued I'd said one month but they record all conversations and I had said I wanted it third party until I cancelled it. My second problem with them has been this week. I rang them up and asked them if I could still be insured with them if I put coilovers on my car and lowered it. They said yeah that's fine, an extra £29 a year. I even double checked and got them to confirm it was correct. So I put the coilovers on and rang them to declare it on my insurance as you have to otherwise your insurance may be void. They said I'm sorry but as of now your insurance is cancelled we do not allow people to lower their cars more than 50mm. Something they had said was fine previously in the week as they asked how low I was going to go. So right there and then they cancelled my insurance, didn't even get me chance to get it off the road it was parked on. So I've now had to go with the next best insurer which is Brentacre, costing me an extra £400 a year! If Admiral had told be correct in the first place I wouldn't have lowered it as in my opinion it's not worth the extra £400. Since then they have still been taking money from my account even though they cancelled my insurance. So more phone calls to get my money back, which I'm running low on as I've had to pay a £500 deposit to the new insurer to get a cheaper deal.So just be very careful when modifying your car. Also check, check and check again with them as they don't seem to listen and give incorrect information. That's just my experience, I hope everyone else has had a better time with them. Now I'm thinking it might be better paying the £400 extra for a company who so far seem to be very friendly and know what they're talking about. 1 Quote Link to comment Share on other sites More sharing options...
Silver! Posted September 16, 2013 Report Share Posted September 16, 2013 Can't comment on the Polo, but Admiral have always had a max of 50mm lowering. You have coilovers; you could have wound them wound them back up to 50mm-ish! They also have a policy of replacing with OE kit, not modified. Quote Link to comment Share on other sites More sharing options...
mebex Posted September 16, 2013 Author Report Share Posted September 16, 2013 I asked about that, they said that they still couldn't insure me as they have cancelled and that's final. They even told me not to bother with their other trading names, bell and elephant. I rang up and checked and he quoted for over 50mm, so I don't think the staff member knew about the policy.Anyway, it's just a warning to say if you check, do a double with them. Quote Link to comment Share on other sites More sharing options...
James827 Posted September 16, 2013 Report Share Posted September 16, 2013 i was going to go multi car with my sister, from May for what we thought was a year, for an extra £700 with me and my car on it. but it turns out that's how much they wanted from may to august. they did not tell us that, luckily we read into it a bit more. i think my sister is still with them on her own, but in the end my insurance company Quoted me Even cheaper than £700 for a year so i went with that anyway! (discount for being with them for a while) Quote Link to comment Share on other sites More sharing options...
lupoluke Posted September 16, 2013 Report Share Posted September 16, 2013 I'm with admiral and have been for 3 years on various cars, never had any problems. My advice is get everything in writing and read the small print when you do anything over the phone no matter what it's for. Quote Link to comment Share on other sites More sharing options...
Koop Posted September 16, 2013 Report Share Posted September 16, 2013 We've been with them for a couple of years but we're not renewing again, apart from what they'll charge now I've got the GTI & the aforementioned not covering mods like-for-like, they took our last 2 payments within days of each other (i.e. they basically took the last one a month early) then said they'd have to charge us to rectify their own mistake - wtf?! Douchebags. Quote Link to comment Share on other sites More sharing options...
Defcon5 Posted September 16, 2013 Report Share Posted September 16, 2013 I've been with admiral for years, no problems at, had a total loss claim last year, paid out within two weeks, very good price too Quote Link to comment Share on other sites More sharing options...
Silver! Posted September 16, 2013 Report Share Posted September 16, 2013 Covering mods, like for like doesn't bother me. I only have the KW v1s and BBS RWs; the VW OE suspension is dearer than the KWs and the Bathursts are dearer than what I paid for the RWs. Take into that the fact that they are not likely to find a set, I'll take the cash alternative of about £340 a wheel. Quote Link to comment Share on other sites More sharing options...
Spartan535 Posted November 30, 2013 Report Share Posted November 30, 2013 I just took out a multicar policy with them yesterday on my modified Arosa - no NCB but fully comp for £220 a year. HOWEVER, I'm 57, in a sensible occupation and added 3 other cars - all with 9 years NCB - so I suppose it was a profitable policy for them to get - but then again - but I got a very good price on all the other cars even though I had a fault claim in the last year and both self and wife have speeding convictions. They were quite happy to cover the Arosa - lowered on springs - 45mm, side skirts, air dam, aftermarket alloys and GTI interior with Momo steering wheel - but would not cover the cost for replacement - but as Silver says - OE bits would cost more and this is an ebay sourced car. However, make sure all mods are recorded on the policy - even if you declare them on a "Comparison" site - with some sites - you declare them - but the systems often don't communicate the fact with each other - so check with the Insurer - NOT the comparison site as I came unstuck with this problem last year! Quote Link to comment Share on other sites More sharing options...
Elz8462 Posted December 16, 2013 Report Share Posted December 16, 2013 (edited) I have also been with admiral and under their other names and have not had any problems with them. They've always been really helpful and quick with swapping over insurance policies when I bought my arosa and they always bring up the cheapest quotes for me. I think though if I started doing heavy mods I would switch to Adrian Flux, they are very very fair on modded car prices. I nearly purchased a car with an engine swap and they were the only ones to quote me out of maybe 15 companies I spoke to and it was a very reasonable quote. They might be worth looking into instead if you're planning a lot of mods. Edited December 16, 2013 by Elz8462 Quote Link to comment Share on other sites More sharing options...
Davee Posted January 14, 2014 Report Share Posted January 14, 2014 Can't comment on the Polo, but Admiral have always had a max of 50mm lowering. You have coilovers; you could have wound them wound them back up to 50mm-ishI'm with admiral and im insured for something like between 50mm - 115mm Quote Link to comment Share on other sites More sharing options...
Karl_Mac_ Posted January 14, 2014 Report Share Posted January 14, 2014 (edited) Anyone that insures a modified car with a high street broker (and I include Flux in that) wants there head looking at. There are a tonne of companies that provide specialist cover.Greenlight cover the ST with every single mod agreed. A friend had a water seized engine and they even brokered a deal where he paid a little extra ti have a replacement RS engine, rather than scrapping the car. Edited January 14, 2014 by Karl_Mac_ Quote Link to comment Share on other sites More sharing options...
Silver! Posted January 14, 2014 Report Share Posted January 14, 2014 I'm with admiral and im insured for something like between 50mm - 115mmOh well things change. I called them 6 years ago and they asked how low I was. I said about 80mm and they said they wouldn't cover me for anything more than 50mm. They've maybe changed their mind. Quote Link to comment Share on other sites More sharing options...
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