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Convicted Driver Insurance

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Admiral Insurance Drink and Drugs policy

Cat2321

Member
Hi, we had no third party involved as my son hit a post with no damage so no costs other than the car itself. They would not offer any support due to drink driving so we recovered the car ourselves. I guess I’m trying to understand if they will let us cancel ourselves rather than letting them void as this will impact getting insurance for years to come. I’d rather he cancelled. I wondered if anyone else had this dilemma and Admiral actually allowed them to cancel? Thanks
 

price1367

TTC Group
We are talking about different things! Voiding or cancelling the police will have no effect on the claim that a third party can have made, not the liability under the draconian Admiral policy re drink drive accidents...
BUT when the person comes to take out a new policy after the ban, and he has to declare that the last policy was voided by his insurance company, it will make the previous either very high or almost impossible to get cover.
If he has cancelled the policy himself then that does not have to be declared.
 

price1367

TTC Group
The problems with getting really insured if a devious policy has been voided applies to all companies, but the Admiral group are the ones most likely to void a policy immediately after A drink driving accident.
 

Cat2321

Member
Hi, I thought I’d provide an update to try and help someone else In the same position as my son regarding Admiral. They have given him the opportunity to cancel the policy and we have SORN the vehicle. We had no TP costs to consider, only his car. This means we will not have to declare an insurer has voided a policy which will help him in the future. Some light at the end of the tunnel. I hope this helps someone else.
 

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Depressed Dad

Well-known member
Hi, I thought I’d provide an update to try and help someone else In the same position as my son regarding Admiral. They have given him the opportunity to cancel the policy and we have SORN the vehicle. We had no TP costs to consider, only his car. This means we will not have to declare an insurer has voided a policy which will help him in the future. Some light at the end of the tunnel. I hope this helps someone else.
Makes sense. Admiral are not out of pocket.

He'll still have to declare his accident and of course the DD conviction will be a millstone for years to come.

My son hasn't driven since his accident almost ten years ago. I think he is better off without a licence at the moment but is lucky enough not to need one.
 
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Cat2321

Member
Depressed Dad, agreed regarding the info he will have to give. We have a long way to go but this thread has definitely helped shed some light along the way. Thanks for starting it.
 
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CPWP

Member
Hi, I thought I’d provide an update to try and help someone else In the same position as my son regarding Admiral. They have given him the opportunity to cancel the policy and we have SORN the vehicle. We had no TP costs to consider, only his car. This means we will not have to declare an insurer has voided a policy which will help him in the future. Some light at the end of the tunnel. I hope this helps someone else.
Hi is that because there were no TP costs or did Admiral not come after you for them?
 
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