Admiral Insurance and the paperless letters

I recently received my insurance renewal quote from Admiral for my multicar policy and, for some reason, the quote had more than doubled to over £2,000. This seemed odd as I hadn’t had an accident in the last year and I have an additional year’s no-claims on two cars.

Naturally I telephoned Admiral to find out what the issue was and the Canadian call centre woman I spoke had no idea and wasn’t really willing to help. She did however insist that I had a claim on my record, which related to an incident last year when a woman crashed into my PARKED car and drove off – but luckily a witness identified her and the CCTV backed it up, so she paid for the damage. I notified Admiral of the incident at the time, but didn’t make a claim. They confirmed this after I rang again to tell them the damage was repaired and the woman had paid for it (she settled herself because, according to Admiral when I phoned them, there was no active insurance policy on the woman’s car – seems she was uninsured).

Anyhow – damage was repaired, no claim made and no problems. Not so for Admiral as they insist I have a claim, even though there wasn’t one. I was put through to their Cardiff office to speak to a claims handler where it was confirmed that indeed there was no claim and it shouldn’t be showing. He tried to put me through to another renewal operative, this time in Cardiff, but unfortunately it went through to Canada again where another uninterested woman insisted once again I had a claim.

Left hand meet right hand.

I told them to stick their policy and I’d go somewhere else – especially as, as I explained to the disinterested woman, when I fill out the details on a comparison engine it will ask ‘have you made any claims in the past x number of years’ and my answer of course is no – so Admiral is most likely to come up again – cheaper than the renewal quote. That is in fact exactly what happened, and they were the cheapest, but I’m avoiding them on principle now.

This morning I received two, count them – one, two, letters through the post insisting I return my insurance certificate for my policy number. Both letters were identical with the same policy number, and both were sent in separate envelopes. The dumbest part is yet to come. Because my car insurance is all online I don’t have an insurance certificate, it’s a PDF download in order to be ‘green’ and save the environment – despite Admiral posting TWO identical letters.

Thanks Admiral, but I don’t have an insurance certificate, I didn’t make a claim and I won’t be renewing my policy with you since you have doubled by quote without reason.


Darren Jamieson

Darren Jamieson, aka MrDaz, is the Technical Director and co-founder of Engage Web and has been working online in a career spanning two decades. His first website was built in 1998 and is still live today.

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