Depressed Dad
Established Member
My son fell foul of Admiral's terms and conditions relating to accidents whilst under the influence of drink or drugs.
Anyone else in the same position with Admiral or other companies.
Section 5 of the Admiral policy contains the following :-
"If an accident happens whilst you or any person entitled to drive under Section 5 of your current Certificate of Motor Insurance is convicted of an offence involving drink or drugs, or was driving under the influence of drink or drugs, no cover under the policy will be provided and instead, our liability will be restricted to meeting our obligations as required by the Road Traffic Act. In those circumstances, we reserve the right to recover from you or the driver, all sums paid (including all legal costs), whether in settlement or under a Judgment, of any claim arising from the accident."
Firstly I suggest anyone avoids Admiral unless you are 100% certain that no drivers on the policy will never D&D
By agreeing to these terms it appears you are accepting unlimited liability. If they succeed with their claim in court you could be financially wiped out.
My son has no assets but they want him to explain how he is going to pay them back.
I have not seen this in my new LV= policy or previous Esure policy.
I doubt whether it is enforceable and suspect they are just fishing for people to top up their coffers.
As an aside it has affected the cost of my new policy as the "accident/claim" is visible to my new insurer and costing me an extra £850.
As the policy holder my son's misdemeanour's are affecting me directly.
Admiral have not been able to explain if a claim has been settled against my policy, or if they are out of pocket through complying with the Road Traffic Act.
Anyone else in the same position with Admiral or other companies.
Section 5 of the Admiral policy contains the following :-
"If an accident happens whilst you or any person entitled to drive under Section 5 of your current Certificate of Motor Insurance is convicted of an offence involving drink or drugs, or was driving under the influence of drink or drugs, no cover under the policy will be provided and instead, our liability will be restricted to meeting our obligations as required by the Road Traffic Act. In those circumstances, we reserve the right to recover from you or the driver, all sums paid (including all legal costs), whether in settlement or under a Judgment, of any claim arising from the accident."
Firstly I suggest anyone avoids Admiral unless you are 100% certain that no drivers on the policy will never D&D
By agreeing to these terms it appears you are accepting unlimited liability. If they succeed with their claim in court you could be financially wiped out.
My son has no assets but they want him to explain how he is going to pay them back.
I have not seen this in my new LV= policy or previous Esure policy.
I doubt whether it is enforceable and suspect they are just fishing for people to top up their coffers.
As an aside it has affected the cost of my new policy as the "accident/claim" is visible to my new insurer and costing me an extra £850.
As the policy holder my son's misdemeanour's are affecting me directly.
Admiral have not been able to explain if a claim has been settled against my policy, or if they are out of pocket through complying with the Road Traffic Act.