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Thread: Admiral Insurance Drink and Drugs policy

  1. #11
    Depressed Dad is offline Member
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    Default Re: Admiral Insurance Drink and Drugs policy

    I have pretty much given up hope of my son not having to be financially ruined by Admiral's practice of pursuing people to recover the costs.
    I suspect it will end up with court proceedings. I am just waiting for a final decision on a complaint due to be looked at by the Ombudsman.

    Admiral made several mistakes, unable to locate voice recordings, mistakes adding up figures correctly, unable to send legible photo of damage, sending letters to pursue me not my son, leaving the other drivers name and address in correspondence, they didn't know the other car had already been written off twice before.

    The incompetence doesn't usually matter when it is all paid out under the policy but damned annoying when they want my son to pay it all. A minor collision with a 1500 heap has led to a settlement of 24k.

    No one gets in a car expecting to have an accident. Having a drink is going to increase the chance of having an accident, but so is using your phone, speeding, driving when ill and just bad driving.

    It is just part of Admirals aggressive business model to maximise profits. I am convinced anything they get is an added bonus as they would be stupid not to factor the risk into their insurance premiums rather than rely on recovery.

    Just to be clear the Admiral Group includes Admiral, Bell, Elephant and Diamond. AFAIK they all include the same drink and drugs terms so unless you and your names drivers are tee-total I would avoid them even if they are the cheapest.


  2. #12
    t-bone is offline Member
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    Default Re: Admiral Insurance Drink and Drugs policy

    Quote Originally Posted by Depressed Dad View Post
    I have pretty much given up hope of my son not having to be financially ruined by Admiral's practice of pursuing people to recover the costs.
    I suspect it will end up with court proceedings. I am just waiting for a final decision on a complaint due to be looked at by the Ombudsman.

    Admiral made several mistakes, unable to locate voice recordings, mistakes adding up figures correctly, unable to send legible photo of damage, sending letters to pursue me not my son, leaving the other drivers name and address in correspondence, they didn't know the other car had already been written off twice before.

    The incompetence doesn't usually matter when it is all paid out under the policy but damned annoying when they want my son to pay it all. A minor collision with a 1500 heap has led to a settlement of 24k.

    No one gets in a car expecting to have an accident. Having a drink is going to increase the chance of having an accident, but so is using your phone, speeding, driving when ill and just bad driving.

    It is just part of Admirals aggressive business model to maximise profits. I am convinced anything they get is an added bonus as they would be stupid not to factor the risk into their insurance premiums rather than rely on recovery.

    Just to be clear the Admiral Group includes Admiral, Bell, Elephant and Diamond. AFAIK they all include the same drink and drugs terms so unless you and your names drivers are tee-total I would avoid them even if they are the cheapest.
    This is very sad news to hear. Did you consult a solicitor DD? You said 24k was the settlement fee, can I ask what the original bill was? They want 8k from me, I've got a meeting with a civil defence lawyer on Friday. All this because I picked Admiral. They are a truly disgusting organisation. Can I ask if your son signed the indemnity form? Sorry for all the questions.

  3. #13
    Depressed Dad is offline Member
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    Default Re: Admiral Insurance Drink and Drugs policy

    Yes, he signed the indemnity form, based on on a phone call to a legal advisor. They claim they save you more money and act on your behalf. We haven't sought any further legal advice yet but if we do it needs to be someone who knows contract law and the Road Traffic Act. No final figure has been agreed with Admiral yet. 24k is the amount they have paid out.

  4. #14
    Hopeless is offline New Member
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    Default Re: Admiral Insurance Drink and Drugs policy

    Quote Originally Posted by Depressed Dad View Post
    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.

    I am in a similar situation and would very much like to talk to you.

  5. #15
    Depressed Dad is offline Member
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    Default Re: Admiral Insurance Drink and Drugs policy

    Hopeless, is it you that was D&D or someone else on your policy?

  6. #16
    Hopeless is offline New Member
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    Default Re: Admiral Insurance Drink and Drugs policy

    Quote Originally Posted by Depressed Dad View Post
    Hopeless, is it you that was D&D or someone else on your policy?
    Myself.

    I have yet to be convicted for an alcohol related offence, but I am expecting to be once I return to the station. I have had my blood independently analysed which showed a reading of less than 80 so I am not sure as of yet to what the outcome will be; I am sure that there will be issues with the insurance company either way.

  7. #17
    Depressed Dad is offline Member
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    Default Re: Admiral Insurance Drink and Drugs policy

    Wait to see if you are convicted of D&D first. Check the terms of your policy. The Admiral/Bell/Diamond/Elephant one says they only pursue you if you are convicted.

    Did you have an accident? If so what damage was caused? Are there likely to be any personal injury claims? Have you reported the accident to you insurer?

  8. #18
    Ravinaldo is offline Member
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    Default Re: Admiral Insurance Drink and Drugs policy

    ok guys, unfortunately i find myself asking for advice on this thread. I wanted to find out how your situations with admiral have developed. im in a similar position with them wanting to recover costs from me. im dreading the indemnity letter through the post but know its coming, they have already told me they are seeking costs.

    any advice would be greatly appreciated. Even if its just knowing that you have paid or made arrangements to pay. and how much they are willing to accept as payments.

    have you come across a story of anyone actually being taking to court?

    many thanks

    I'm hoping it worked out ok for you guys

  9. #19
    Depressed Dad is offline Member
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    Default Re: Admiral Insurance Drink and Drugs policy

    You need to seek legal advice before you sign the indemnity.

    The FSA consider the terms to be fair. The FOS are looking into my complaint but not hopeful of success.

    I am not aware of anyone that has been to court, probably because of the extra costs involved. Most people seem to make an arrangement to pay before getting to court.

    You need to ask Admiral for all of the details relating to the settlement of the claim and decide if they truly have acted in your best interest, or gone down the path of least resistance and not challenged the costs being claimed. They are pretty inept in my experience. They just accept the other parties claims without doing proper checks and challenges.

    After going through this I recommend that in future you read the terms and conditions from cover to cover and make sure you understand them and accept them. Never choose a product on price alone. There are much better companies with better products out there.

    AVOID the PIRATES with their jolly little adverts.

  10. #20
    Ravinaldo is offline Member
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    Default Re: Admiral Insurance Drink and Drugs policy

    Convicted Driver Insurance Quotes
    Many thanks for your response, it is greatly appreciated. I guess I'll just have to deal with the consequences. Definitely a case of learning from the experience and not making the same mistake again.

    One last thing I could do with some clarification on. I'm the person involved in the accident and dd charge.. From your research will they only peruse me? I wouldn't want them to persue my mother who is the policy holder.

    I don't have many assists don't mind paying it off over the long.... Long... Term but my mother has a home in her name and I wouldn't want my mistake to cause her any problems.

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