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Thread: Admiral Insurance Drink and Drugs policy

  1. #21
    ninhog is offline New Member
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    Default Re: Admiral Insurance Drink and Drugs policy

    I have to say that I couldn't help but laugh at this thread. It seems that some are angry that Admiral are attempting to recover costs from an insured driver who was stupid enough to drink drive.
    It's worth noting that there are several requirements for car insurance to be valid. These are generally that the the driver is driving legally, has a valid MOT certificate for the vehicle (if required) and holds a suitable licence for the type of vehicle being driven. If these conditions aren't met and ANY insurance company finds this out in the event of a claim, costs won't be paid or if they have been already, they will be recovered from the insured driver.
    The OP is complaining that his son is facing financial ruin, but would he be complaining about that so much if his son killed someone? Unfortunately, his son has brought all of this on himself. No one can blame Admiral or anyone else and to accuse them of being greedy or of trying to avoid responsibility is laughable.
    Sadly, it's a sign of the times in that it's always someone else's fault.
    rodmat, ukboxer and uklegendman like this.


  2. #22
    Depressed Dad is offline Member
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    Default Re: Admiral Insurance Drink and Drugs policy

    Ah Troll alert. Usually a sad,lonely inadequate person revelling in someone else's misfortune.

    I am so glad it amused you.

    I don't condone drink driving. My son was an idiot and he has quite rightly been punished by the courts.

    Terms and conditions vary from one company to the next and I recommend people read them carefully rather than just go on price. I also recommend people avoid Admiral and their group of companies. There are better policies and better, cheaper companies out there.

    I have only read about Admiral companies recovering TP payouts through a drink and drug clause.

    Pretty much every accident is caused by a driver's negligence. Driving too fast, not concentrating, lighting a cigarette, using a mobile, fiddling with the sat nav, falling asleep. Hang them all and make them pay!

  3. #23
    rodmat is offline New Member
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    Default Re: Admiral Insurance Drink and Drugs policy

    Why the hell should I and other motor insurance policy holders pay through increased premiums for your son's crass stupidity. He is wrong, you are wrong. I support fully Admiral's policy of recouping their costs if it makes my insurance cheaper !
    ukboxer and uklegendman like this.

  4. #24
    Depressed Dad is offline Member
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    Default Re: Admiral Insurance Drink and Drugs policy

    Quote Originally Posted by rodmat View Post
    Why the hell should I and other motor insurance policy holders pay through increased premiums for your son's crass stupidity. He is wrong, you are wrong. I support fully Admiral's policy of recouping their costs if it makes my insurance cheaper !
    It's a drop in the ocean.
    If you want to save money on your premiums then go and fight against Personal Injury Claims, referral fees, solicitor fees, Credit Hire, Claims Management fees, etc.
    You stick with Admiral if you want cheap insurance. You get what you pay for.

    What are you going on this site anyway? Presumably not a looking for help for a drink driving offence?

  5. #25
    lilly007 is offline Member
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    Default Re: Admiral Insurance Drink and Drugs policy

    Quote Originally Posted by rodmat View Post
    Why the hell should I and other motor insurance policy holders pay through increased premiums for your son's crass stupidity. He is wrong, you are wrong. I support fully Admiral's policy of recouping their costs if it makes my insurance cheaper !
    Yes He made a mistake but if u have never made One in your Life then good for you. I AM sure the site is to give advice to others going through tough times of wrong decisions made on the day in question, We all feel worse than what you can Throw at us but as the site goes, We help and get help b the Best We can calculate alcohol and Know when its safe to Drive, people are already regreting the choices made on the day and are here to be better drivers to keep the roads safe, (so easy on with the Holly me,) It can happen to anyone b It Morning after or 2days later, depending on metabls ,.i have said my peace , u either here to help or maybe Find another Page, also sorry to say but judging b from the higher one. Xx

  6. #26
    gutted is offline Established Member
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    Default Re: Admiral Insurance Drink and Drugs policy

    As far as I am aware, most motor insurance policies are invalid if the driver is drunk. Don't think its just Admiral. I know for certain that my current insurance policy would be invalid if I were over the limit. I'm pretty sure the same goes for previous policies I have held with Direct Line and Endsleigh. To my knowledge, the insurer generally wipes their hands of your policy, pays the 3rd party claims and then chases you for the money. A while ago there were a few threads on here by people with different insurers bemoaning this.

    It makes me question why policies go up after you've been caught! Ok you might be perceived as being more likely to drink drive and therefore having an accident as a result of alcohol... but if they are not going to pay out anyway, where is the risk to the insurer??? Haha

  7. #27
    Depressed Dad is offline Member
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    Default Re: Admiral Insurance Drink and Drugs policy

    Quote Originally Posted by gutted View Post
    As far as I am aware, most motor insurance policies are invalid if the driver is drunk. Don't think its just Admiral. I know for certain that my current insurance policy would be invalid if I were over the limit. I'm pretty sure the same goes for previous policies I have held with Direct Line and Endsleigh. To my knowledge, the insurer generally wipes their hands of your policy, pays the 3rd party claims and then chases you for the money. A while ago there were a few threads on here by people with different insurers bemoaning this.

    It makes me question why policies go up after you've been caught! Ok you might be perceived as being more likely to drink drive and therefore having an accident as a result of alcohol... but if they are not going to pay out anyway, where is the risk to the insurer??? Haha
    The Admiral group of companies have a very specific Drink and Drugs exclusion clause. I have looked at most of the big insurers policies and no one else has it other than Zurich perhaps.
    When I have trawled t'Internet for similar cases I only come across Admiral, Bell, Diamond, Elephant.

    Under the Road Traffic Act and with EU court advice such as the Bernaldez case I suspect that other companies could try to enforce it. However I think the most likely outcome is they pay the 3rd party costs and leave it at that.

    I would suggest that very few people read the policy T&C's and virtually no one reads the RTA which underpins and dictates the compulsory need for third party insurance.

  8. #28
    randomer is offline Member
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    Default Re: Admiral Insurance Drink and Drugs policy

    Just to throw my 2 cents in, I had a similar experience a few years ago. Basically I lent a friend of mine my car, he was driving under the third party extension of his own policy as his car was broken and I was out of town for a bit....we had checked with our insurance companies this was acceptable and it was.

    Then he managed to get incredibly drunk and crashed at high speed into a bus stop, a pub wall and somebodies front garden. Unfortunately the roof had to come off to extricate the 2 rear passengers and of course the car was a total write off, needless to say I was less than impressed.

    The difficulty came with the insurance, my insurance had to pay out as it is technically the car that is insured and not the driver but because he as drunk they were only liable upto their obligation under the road traffic act. I dont know what the final bill was but it was many thousands and being 3rd party only they didnt want to pay for the car (it wasnt worth much anyway)

    Of course they then decided to come after me to recoup the payout. They sent me an indemnity form etc and letters every day! Needless to say I did not sign anything to say I had any intention of paying them, after badgering me for a few months and realising I would not sign anything to make myself liable, they dropped it. The rear passengers claimed compo of course and were paid, but I had no intention of being ruined by all this and told them to see me in court. They left me alone after a while and needless to say I havent paid a penny. This was years ago but I assume even now that signing anything is a bad move. I believe there is a fund floating somewhere that pays insurance companies back for unrecoverable costs that they all pay into to insure themselves if you like so there is the money available to them, but they like to harrass the customer first of course.

  9. #29
    ayz10 is offline New Member
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    Default Re: Admiral Insurance Drink and Drugs policy

    u ok mate is there any chance i can speak to you privatly mate im 23 the same thing has happened as what happened to your son my dad is the first driver and i am the second driver will my dad be effective by the payment if i cant afford to pay for the damages myself as its my dads policy

  10. #30
    Depressed Dad is offline Member
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    Default Re: Admiral Insurance Drink and Drugs policy

    Convicted Driver Insurance Quotes
    Quote Originally Posted by ayz10 View Post
    u ok mate is there any chance i can speak to you privatly mate im 23 the same thing has happened as what happened to your son my dad is the first driver and i am the second driver will my dad be effective by the payment if i cant afford to pay for the damages myself as its my dads policy
    I cannot send you a Private Message because you have not posted enough on the forum.

    I cannot say if Admiral will end up pursuing your Dad. There is presumably a risk given the wording in the terms and conditions. It would be grossly unfair but I wouldn't trust Admiral. They do everything they can to increase their profit.

    If they pursue me rather than my son you will see me on TV or read about it in the national press.

    I really do recommend that you seek some expert advice. Try the Citizens Advice Bureau or you should be able to get a free initial chat with a solicitor. Find one that specialises in Contract and/or insurance law. It is very tricky for the man in the street to take on a big company like Admiral. A fight in the courts could vastly add to the costs if you lose.

    Unfortunately we don't get much sympathy due to the Drink Driving element but no doubt you will be living with fall out the criminal conviction for several years. Admiral have no qualms about twisting the knife.

    Post a bit more about the circumstances of your incident - as much as you feel comfortable with.

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