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[waynef]

Quote:

Originally posted by Ziggy
There was another thread kicking around recently about insurance which I posted on (might try and find it).

Basically, I took out cover with Admiral as gave me a good quote. I phoned to confirm a couple of details and they asked if I had the Chilli pack. When I said yes they upped the premium by about £50 (I said it was £150 on the other thread - I think I was just getting my knickers in a twist and my maths had gone to pot). The insurance docs came through and they had listed the DS metallic paint option as a "Respray (different colour)", the front fogs as "Rally/spot lights", and listed the 17" alloys as "Alloy wheels (optional extra)" as if it didn't have alloys as standard - didn't seem quite right.

Anyway, the point is that someone on the other thread (I'll have to find it to thank him) replied that I should be careful as Admiral would only repair/replace the car to standard spec. So, if the car gets nicked, I get a standard S without the £2k+ of options!

I checked the small print and he's right. That's quite shocking! I stated the car's value as £16.5k, I was charged an extra premium for my factory fitted options, yet they won't replace the car to it's full value!

I phoned Admiral to cancel my policy and they tried to charge me 20% of the annual premium (after 9 days cover). They insisted that I would have been told this when I took out the cover (would I really have signed up to an effective excess of £2.5k?) and they had the tapes of the call to prove this. I asked them to dig out these tapes (which would have formed the basis of the contract) to prove this and they said they'd get back to me. Of course, I had to chase them.

They then said that I would only be charged for the 9 days cover I had had. No apology for deliberately misleading me, calling me a liar when I said I hadn't been informed of the unreasonable terms, and not even calling me back to let me know they were in the wrong.

Oh my lord, my blood's boiling again.

Anyway, upshot is that I got a quote from esure yesterday. About £30 cheaper than Admiral and as long as the car hasn't been modified since leaving the factory they are happy. Doesn't help you guys out there with the aftermarket mods (and I'm getting me a Hartge conversion once the 3 year MINI warranty runs out) but esure seem a good bet for standard cars.

Ziggy

Hi Ziggy,

I may be wrong but you've just explained a response from me on this thread!!! Take a look further up. I use esure too for just this reason you describe.

I sent them a letter too to back up our conversations.