My wife and I have both had our cars insured with Admiral for a couple of years now, although it was never worthwhile going for the multicar option as it made very little difference. We have just changed one of our cars to a C63 and this coincided with a policy renewal date so we did the usual shopping around and Admiral came up cheapest once again (after a bit of haggling), although not by far (About £50 cheaper than MB but with a considerably lower excess).
We got to the point where we were about to renew with Admiral and then remembered to enquire about multicar to see if it would make much of a difference, although previous experience meant that we weren't expecting it to be much. We were quite surprised to hear that this reduced the quote on the C63 by nearly £200 and the renewal quote on our second car was also in line with what we are currently paying (Pro rata).
So, we swapped over to a multicar policy, paid the premium and thought that was that. All the documents came through fine via e-mail and we were happy.
A week or so later we received two letters from Admiral. One saying that we were about to be charged approximately £750 and another approximately £600 for renewal of the single car policy on the C63. Obviously we had already paid around £400 for the multicar policy. I rang them and it turns out that the fact that we had changed to a multicar policy didn't mean that our single car policy had automatically ceased (So a slight caution if anyone else is in the same boat - make sure the single car policy doesn't automatically renew). The £750 was just the original quote we had been given and this was superceded by the £600 quote that they had reduced it to after a 'phone call. So, despite the two letters, we would only be charged the lower amount. Lucky us! When I told them about the multicar policy with them they obviously cancelled the single car policy but our card had already been charged. They refunded it, which I was pleasantly surprised came through the following day (We were warned it could take up to ten working days). No harm done fortunately, but timing-wise £600 could have taken that account below zero.
Anyway, all seemed to have been sorted and we were now in a position where we weren't out of pocket.
Roll on another week or so and we have just received an e-mail from Admiral stating that they haven't received our proof of NCB even though we haven't actually been asked for it and even though Admiral are the company that currently hold our NCB! Arrghh.
I'm sure another call will sort it out later this morning, but another slight annoyance regarding what I was hoping would have been a slightly more seamless transition between single and multicar policies! Perhaps we're one of the few who have ever done this?
Anyway, as I said, just a small rant, nothing major.
Keith
We got to the point where we were about to renew with Admiral and then remembered to enquire about multicar to see if it would make much of a difference, although previous experience meant that we weren't expecting it to be much. We were quite surprised to hear that this reduced the quote on the C63 by nearly £200 and the renewal quote on our second car was also in line with what we are currently paying (Pro rata).
So, we swapped over to a multicar policy, paid the premium and thought that was that. All the documents came through fine via e-mail and we were happy.
A week or so later we received two letters from Admiral. One saying that we were about to be charged approximately £750 and another approximately £600 for renewal of the single car policy on the C63. Obviously we had already paid around £400 for the multicar policy. I rang them and it turns out that the fact that we had changed to a multicar policy didn't mean that our single car policy had automatically ceased (So a slight caution if anyone else is in the same boat - make sure the single car policy doesn't automatically renew). The £750 was just the original quote we had been given and this was superceded by the £600 quote that they had reduced it to after a 'phone call. So, despite the two letters, we would only be charged the lower amount. Lucky us! When I told them about the multicar policy with them they obviously cancelled the single car policy but our card had already been charged. They refunded it, which I was pleasantly surprised came through the following day (We were warned it could take up to ten working days). No harm done fortunately, but timing-wise £600 could have taken that account below zero.
Anyway, all seemed to have been sorted and we were now in a position where we weren't out of pocket.
Roll on another week or so and we have just received an e-mail from Admiral stating that they haven't received our proof of NCB even though we haven't actually been asked for it and even though Admiral are the company that currently hold our NCB! Arrghh.
I'm sure another call will sort it out later this morning, but another slight annoyance regarding what I was hoping would have been a slightly more seamless transition between single and multicar policies! Perhaps we're one of the few who have ever done this?
Anyway, as I said, just a small rant, nothing major.
Keith
rolleyes
