“My car was stolen on the 10th November 2019, after being I'll in hospital that weekend then being bed bound when I came home. As soon as I realised the car had gone I contacted Admiral and to the Police to gave initial statements. In the statement I mentioned that I thought the window had been smashed to gain entry to the vehicle, as there was broken glass around the area where the car had been parked. I then cancelled my tax so that it too would show up on any ANPR cameras that the Police have access to.
A couple of weeks later I received a call from the police saying the car had been recovered after a road traffic collision and was had been taken to a holding yard. After the call I notified the insurance company right away, stating exactly what the police said and the location of the car. I then went to see the damage that the car had suffered, as it was close to my uni accommodation and saw that the whole front had been smashed and several possessions had also taken. I also noticed that both the door windows were intact, contrary to what I thought and said had thought in my initial statement to the insurance company. These were sunglasses from the centre console, CDs from the glove compartment and a toolbox from the boot (which was covered by the parcel shelf). In the boot there were items that didn't belong to me, which included a Jerry can and bed sheet.
I then sent pictures and information of what I saw to the insurance company, but they didn't respond. I had to chance them up to confirm they had received the information. I then didn't hear anything for a month so had to chance them again to find out what was going on. They then responded by saying they are sending an investigator over to gain clarity on the situation. I then had to chance both the investigating company and Admiral up for a date, which was a further month after they said they were sending an investigator.
He took my statement on the 4th January, and I stated that the window wasn't smashed when I went to see the car and that was contrary to what I said in my initial statement. He then said not to include this in the statement as it's better to not include assumptions at to what has happened in the statement. I had to chance them up once again on the 12th Jan to see what was going on. They responded on the 30th Jan saying things are still in progress. Another email wasn't then received by me until the 24th Feb. In this they said that they had just asked the police for a copy of the crime report.
I then received an email on the 19th March, saying they were in the later stages of the investigation and they wanted to clarify a few things in my statement. I replied to this immediately and they said that they would sent over a statement imminently.
I received an email on the 23rd March saying that they think there has been a deliberate attempt to mislead them in the investigation, stating that I had said in the initial statement that the window had been smashed.
They are repudiate the claim and charging my £1084 in fees that have racked up over the last 4 and a half Months. They are also not repaying any of the policy that is outstanding.
This is absolutely ridiculous as I completely complied with every part of their investigation and have given them every piece of information I have had. I am definitely appealing this decision and I urge anyone never to go with Admiral again. They have treated the whole situation absolutely disgustingly from the very start.”
“Very deceitful company. Claims that to 'help me' they will auto-renew policy after sending me a renewal quote but then don't bother sending the quote. The result is that they automatically renew the policy with a 33% increase in premium. Avoid them like Coronavirus!!”
“I've been with Admiral for a year with…
I've been with Admiral for a year with no issues paying £1,300 for the cover. Just today we have found that they taken out £2,300 from our account with no warning, no prior notice, and no renewal documents.
There hasn't been a single claim, and we don't have a box on the car so i'm not sure how they feel the risk on this insurance has almost doubled in 12 months! Then to make matters worse have the scurrilous and predatory tactics to steal money from you account after picking out an inflated rate from thin air.
You call them up to resolve this scam, and you're met with an automated messaged saying that due to coronavirus, that wait times will be over 1 hour!
We will be cancelling the policy.
We will be getting our money back.
We will be warning people to stay away from Admiral at all costs.”
“I spent 50 minutes on the phone after finding your online quote was 300£ cheaper than your renewal price to b told you couldn’t match your online quote ?????!”
“They do not even deserve one star to start off with. I had insurance with them for £840 last year. My renewal premium went up to £1499 without any changes in my circumstances despite the fact that I’ve 2 years NCD now. What a joke!! They simple do not want you to renew the policy with them. Never needed them whole year thankfully so have got no experience of how they’re like if you need to make a claim. Terrible customer services at renewal though! Avoid at all costs.”
“Phoned admiral as had a scrape and it was the other driver’s fault. There was barely damage on my car or On the other driver’s. They’re weren’t interested in the photos. They said they would email me straight after which I could reply to with photos but they didn’t. They emailed me hours later trying to sell me legal protection.
Absolute joke they were talking about the party and settling without them making a claim or without any evidence. They don’t even have photos of the damage.
Don’t use them.”
“This company will rip you off even if you are a pensioner with a terminal illness. !!!
Just wait for the following anonymous rating of very good to prove my point”
“Have made 1st claim ever on my contents insurance. And have had a nightmare trying to get admiral to pay out on my claim. Even worse time trying to contact the company. Iv had that our systems are down we cant access your claim we will phone you back no call back. We have not had the reports we need we will chase these up and get back to you. Your report is being sent over and we will contact you soon. And no contact.
I have tried phoning today go all through there options to then be cut of.
Bad company experience so far would defently not recommend.”
“Terrible company admin fees are a joke their online service doesnt let you change anything so you have to pay the extortion admin fees for a simple change of details. Customer service is awful poorly trained rude staff, not worth it.”
“Had a house fire. Mostly smoke damage, though I was covered. But admiral thought not. Tried to say I wasn't living in my own home. Wouldn't advise anyone to use these pirates for insurance, they don't honour their contracts. My advice, use someone else, anyone else.”
“Admiral has been my first insurance in the UK. Following an accident, I filed a claim to have my car repaired. I gave them video evidence that the other car was driving without due care, but they wouldn't even look at it and decided I was fully liable. They booked me a garage appointment for after a week, during which I was driving my car. After dropping the car and getting the courtesy car, it took the garage another WEEK to get a repair estimate. I complained to Admiral but they wouldn't bother. I never got the estimate but I did get a call from Admiral about my car being a total loss and unroadworthy. I had to chase them to get the repair quote, which never had any info about the individual costs or the engineer's report. I then had to request any info about myself and my property under GDPR rules. Even then, the engineer's report was seriously lacking, with limited comments about the required repairs and no justification about the write off. They valued the car at £4300 and the repairs at £3700. I gave them another repair quote at £2400. Still a total loss. I argued that the car is worth at least £5000, gave them ads from autotrader of the same car, they couldnt care less! I had to get an independent assessor to get a valuation of my car at £5000, with a glass guide price of £5200!!! I offered alternative arrangements, including cancelling the claim, Cash In Lieu agreement, contract repair, me covering part of the repair cost, proof that the garage over-inflated the price. They COULDN'T CARE LESS, didn't even comment on this. I underlined the fact that the car was NOT a total loss but a CONSTRUCTIVE total loss, they don't care. I argued that NOWHERE on my policy they define what "not economical to repair" is, which means that by default definition option A is more economical than option B when cost A < cost B. They said they don't disclose this information or the repair to value ratio, which could be considered unfair terms and conditions. In this matter I believe they are in breach of their contract and I will be taking the matter further with the financial ombudsman. I am now 3 weeks without a car, my car is parked outside yet Im not allowed to drive it since Admiral believes it is unroadworthy and I can't repair it because they haven't agreed on repairs.”
“Pre-confirmed for a loan, subject to conditions. The conditions were met, and then Admiral pulled the loan with some generic response - this dropped my credit score for 66 points meaning I will not be able to apply for a loan elsewhere. The staff were rude and accusing and made me feel like a pleasant for even applying.”
“TERRIBLE!
They tried to renew my insurance woth double price without asking me! No email, no phone calls. You realised that they are trying to rob you when you check your bank statement. They also charge double to unclaimed policies. No definitely recommend.”
“Tried to rob us on our renewal by over £1500 on a multi car policy. The staff are untrained & rude. Everything is a problem. Don’t bother. One of the worst companies I have ever dealt with. NEVER AGAIN.”
“Terrible. My partner was hit in the back of her car by an idiot who is denying liability. He has intimidated her, followed her to her workplace and she is going through extreme stress because he is lying and saying its a non contact inncident, and also committing insurance fraud with you. - Luckily there is a witness. If you contact the witness you will find what my partner is saying is true. Disgusting how the victim of the accident is made to feel like the problem by the emails she receives from the insurance company. Get it sorted out Admiral. My family does not need or deserve this. I went with you once. Will I come to you for insurance based on this in the future?”
“WATCH-OUT AND STAY WELL AWAY....Don’t be a victim of false/scam insurance !!!
According to Admiral, someone is claiming ‘body impact’ 3 weeks after I hit their car while the person was inside the car but did not move or say anything to me. I never saw the person, or exchange details as normal bcz it is a SCAM! We all know 9/10 if you hit anyone’s packed car while they are inside the first reaction will be to come out and be absolutely livid.
Almost 4 months later as my insurance end in few weeks Admiral won’t give me my NCD discount and they have flag my name and car reg. on the insurance database to force me to insure with them for double what I use to pay on a new quote the sent me. This is because I told them I won’t insure with them due to this made up incident to increase my cover. An assessor came in Nov. 2019 after I insisted and not a scratch on my car. No communication from Admiral after that abt this alleged scam/false incident until I told them over the phone few days ago that I no longer wanted their service. They said I should wait for another month for them to ask the claimant’s rep. to close the case that never happened but they flagged my details with this incident!!
They a terrible and they take advantage especially to newish drivers. I am proud of myself for my driving in the last 12 months and I stand by the fact that I have not been involved in any incident😊
YJ”
“Terrible service, took 6 weeks to hear back after having a 60mph crash on the motorway, which almost cost me my life. After initially giving a settlement offer on the vehicle, they later cancelled that offer for me to only to hear back 6 weeks later that they are refusing to pay out on the vehicle after stating the tyre threads were below the limit. Bearing in mind the car had passed its well in-date MOT without any advisory points on tyres or anything else, and I had only purchased the car 2 months prior to the incident. No empathy at all about the traumatic accident, and no specific measurements given about the thread of the tyres. The accident itself could have also affected the tyres being a high speed incident. My complaint was dealt with by a dishonourable gentleman called Gavin Bates, who showed no empathy about the situation, and often started back tracking on statements after being questioned upon then. After I had waited for the considerable amount of time for a resolution I received a phone call from Mr Bates and I asked him to call back a bit later as he had rang at an inconvenient time, he then had the nerve to demand that I made sure I was free when he was to call back; disgusting attitude. Their internal complaints procedure is beyond a joke and doesn't lead to any resolution. WILL NEVER USE AGAIN! CON ARTISTS!”
