I have had insurance with Admiral for a few years and generally can not complain they have been fairly priced and I got what I expected (although I have not had to claim).
This year when renewing my cars insurance I was asked about multi-car for my partners car.
I got given a price for my insurance for 1 year that included a discount based on my partners car being added to the policy in several months when hers was due for renewal. The cost even before discount was acceptable. I was then given a cost for her car insurance being on the policy and told that if when the her car came on policy it was too expensive, then I would pay a bit more for my own and her car could be insured elsewhere.
Basically the more cars you insure under the same policy in one household the bigger the discount.
It does also mean that all cars insurance renews at the same time the following year, so if you add an additional car 6 months in you will pay pro-rata, but drivers actually gain a years no claims.
All was good.
When it came to adding her car the premium offered by Admiral was competitive and we decided to take them up on the offer.
However this is where the fun started. Back when I setup the policy, I had the date wrong, her insurance was due on the 14th and not the 20th that I had quoted originally.
We called up 2 weeks prior to the required renewal date and was told all was fine, it would be covered from the 14th and the premium would be deducted from our account. Great.
The renewal date passes and her car does not show up as insured http://www.askmid.com
Working in insurance herself she is quite particular and we went online to check our documents. We couldn’t access them.
Thinking it may be a little blip, we leave it and sure enough the car then shows up as insured and on the 24th we could access our documents. However, these said the policy started on the 27th.
Naturally confused, I called up to only have confirmed that the insurance did commence on the 14th, not the 20th and explained that documents online can not be changed or updated unless the policy is cancelled and setup again, something to do with when the policy was first setup!
We left it at that having had the confirmation insurance commenced on the 14th still none the wiser why the document online showed the start date of the 27th.
No documents were ever received in the post to confirm that the insurance started on the 14th. Apparently had we wanted this we had to ask for it. Seems odd but ok.
All insured, everything is fine, but it leaves me slightly confused as to where the 27th came from and also how many other customers are experiencing the same thing.
It just leaves you slightly confused and you end up calling up because you can not make head or tail of it.
Admiral is a big insurance company. Surely allowing the changes to be made could in the long term save a lot of confusion for customers?!