My thoughts exactly.
Is there something in the water in Motors, I seem to be getting a lot of LOLs from this forum at the moment!
Admiral/Elephant/Bell 10 Month Cover
- Thread starter MikeHiow
- Start date
My thoughts exactly.
Is there something in the water in Motors, I seem to be getting a lot of LOLs from this forum at the moment!
![[TR]SweetSpotOz](/styles/overclockers/avatars/6.png){kind=avatar}
Soldato
- Joined
- 5 Mar 2006
- Posts
- 6,183
- Location
- everywhere
.
Last edited:
Soldato
- Joined
- 5 Mar 2006
- Posts
- 6,183
- Location
- everywhere
.
Last edited:
![[TW]Fox](/data/man-of-honor/2009.png){kind=avatar}
Does, or does not, a sum of money equal* to twice the insurance payment leave the bank account within a period of twelve months?
You end up paying out £500 (ie the money goes away from you, rather than just into a different account held by you) every 12 months.
Gosh fancy that. Paying for insurance every 12 months. Shocking.
OK, fair enough it wasn't beautifully articulated although he clearly didn't mean that.
Does, or does not, a sum of money equal* to twice the insurance payment leave the bank account within a period of twelve months?
*Assume renewal is equal
I see what he is saying, but the way he phrased it was ...blonde to put it bluntly and as politely as I can.
He has not lost/paid out twice the money, he still has the money ...it's just earmarked for use at a later date, but this happens a lot ...well it does with me, it's how you organise your finances, planning and saving and making sure you have the money you need when you need it.
Furthermore he is hardly likely to stick another £1k away immediately ready for the next insurance premium, he'll put smaller amounts away over the year ...you know, saving.
There is nothing wrong with Elephant, they are an excellent insurer.
What's wrong with Elephant? I've been insured with Bell (same parent company as Bell) for a good few years now and have never had an issue with them.
Ditto, been between admiral and bell for years now. Admiral paid me out quickly and efficiently when my car was written off. I dont have a bad word to say about the Admiral group. Always astonishingly good value too.
Admiral I have no issues with them, were one of the few that would insure me on the Saab when I got it at 18. Elephant, I've dealt with them briefly before and each time it's been a horrendous and traumatising experience to say the least
(and yes I am FULLY aware that Admiral/Elephant/Bell are all pretty much the same company)
EDIT: Ok I'll add on a little bit. When I got the coupe from Andy I insured it with Elephant as they were the cheapest. TPFT with breakdown and windscreen cover. Cool Stuff. As you know I stacked it on the way home so I rang them up and said to them I have broken down I'm on the M6 can I be recovered pleased. They quite promptly told me 'no'
?!
I said I had breakdown cover, but they told me as I had TPFT insurance I wasn't covered. WTF?! So I was sold breakdown cover which wouldn't cover me when I was broken down. At this stage I had NOT mentioned at all I had broken down due to having a blemish with a lorry just said to them 'I've broken down' - To take me home they wanted me to pay £500 over the phone on the spot before they would do anything.
I began to panic, asked to speak to whoever was incharge and wanted to know why I was sold breakdown cover they said "for cover for when you are broken down" so I said "but I've broken down now, and your saying I'm not covered" - "correct"
I hung up, and panic began to settle in. It's sub zero degrees outside, my 'breakdown cover' was as useful as a chocolate fireguard, I'm 100 miles from home with no obvious way of getting there. Dad had been out drinking that night so he couldn't pick me up and I didn't have a clue how far a services was. So I rang the police, explained my situation and asked them what can I do. The guy told me to calm down and said he'd ring me back 10 minutes later.
And he did, rang me up, told me he had contacted highway patrol and told me to sit tight
- Highway patrol turned up, I borrowed their huge torch to check round the engine to see if it had loss fluids and managed to figure out it was 100% cosmetic and no mechanical damage had been done. They helped me bump start my car (battery had gone flat from an hour of side lights and hazards), secure the bonnet to double check it wouldn't come flying up, wrote a quick letter explaining what had happened incase I got stopped and I drove it home with a caved in front end
---------------
I'm now Fully Comp insured with Direct Line and quite thankful for it!
(and yes I am FULLY aware that Admiral/Elephant/Bell are all pretty much the same company)
EDIT: Ok I'll add on a little bit. When I got the coupe from Andy I insured it with Elephant as they were the cheapest. TPFT with breakdown and windscreen cover. Cool Stuff. As you know I stacked it on the way home so I rang them up and said to them I have broken down I'm on the M6 can I be recovered pleased. They quite promptly told me 'no'
?!
I said I had breakdown cover, but they told me as I had TPFT insurance I wasn't covered. WTF?! So I was sold breakdown cover which wouldn't cover me when I was broken down. At this stage I had NOT mentioned at all I had broken down due to having a blemish with a lorry just said to them 'I've broken down' - To take me home they wanted me to pay £500 over the phone on the spot before they would do anything.
I began to panic, asked to speak to whoever was incharge and wanted to know why I was sold breakdown cover they said "for cover for when you are broken down" so I said "but I've broken down now, and your saying I'm not covered" - "correct"
I hung up, and panic began to settle in. It's sub zero degrees outside, my 'breakdown cover' was as useful as a chocolate fireguard, I'm 100 miles from home with no obvious way of getting there. Dad had been out drinking that night so he couldn't pick me up and I didn't have a clue how far a services was. So I rang the police, explained my situation and asked them what can I do. The guy told me to calm down and said he'd ring me back 10 minutes later.
And he did, rang me up, told me he had contacted highway patrol and told me to sit tight
- Highway patrol turned up, I borrowed their huge torch to check round the engine to see if it had loss fluids and managed to figure out it was 100% cosmetic and no mechanical damage had been done. They helped me bump start my car (battery had gone flat from an hour of side lights and hazards), secure the bonnet to double check it wouldn't come flying up, wrote a quick letter explaining what had happened incase I got stopped and I drove it home with a caved in front end ---------------
I'm now Fully Comp insured with Direct Line and quite thankful for it!
Last edited:
Admiral I have no issues with them, were one of the few that would insure me on the Saab when I got it at 18. Elephant, I've dealt with them briefly before and each time it's been a horrendous and traumatising experience to say the least
(and yes I am FULLY aware that Admiral/Elephant/Bell are all pretty much the same company)
they are the same
same buildings are used that house the people who answer all their calls
Last edited:
Some of their terms are a little dubious, like for example them refusing to pay out either comprehensive or third party if you are involved in an accident and subsequently convicted of drink driving. This would potentially leave you in serious amounts of debt that you could never pay back, probably ruining your life.
Now you might say, well don't drink drive, but how many of you have driven the next day? Possibility you are still over the limit even though you are certain you are not? Have an accident that may not even be related to the alcohol, and get ****ed for it.
That isn't the only thing either - that said, this was an acceptable risk for me when weighed up with the probability of it happening and the price difference between Admiral and the closest alternative, but I can always go one step further and limit myself to the other car in such occurrence.
Now you might say, well don't drink drive, but how many of you have driven the next day? Possibility you are still over the limit even though you are certain you are not? Have an accident that may not even be related to the alcohol, and get ****ed for it.
That isn't the only thing either - that said, this was an acceptable risk for me when weighed up with the probability of it happening and the price difference between Admiral and the closest alternative, but I can always go one step further and limit myself to the other car in such occurrence.
They take in to consideration your breath reading but the drink drugs clause is standard for the brand, with different changes to your policy they would have to read scripts that make them FSA complient for their sake and your own.
Absolute rubbish, I suggest you go back and read the terms and conditions and gain a basic understanding of road traffic law before stating things like that in the future.
I'll save you the bother.
What they actually say is that if found to be unfit through the use of drink or drugs, they...
What this means in practice is that the third party claim is met in full and without issue, just as if you'd not been drunk, in direct contrast to your false claims. It also means they 'reserve the right' rather than 'absolutely will', so each case is presumably judged on its on merits.
My pet is hate is people spouting misguided opinion as fact in threads concerning legal and insurance matters. This sort of stuff is too important to get wrong.
I'm now Fully Comp insured with Direct Line and quite thankful for it!
So you cancelled your Elephant policy mid-way through the term, forfeiting the NCB, so you could change insurers?
Was this really a financially prudent decision?
I suspect what really happened with the breakdown cover is that its purely that - breakdown cover. It will not recover you in the event of an accident, and if you are TPFT, neither will your insurer as damage to your car is not insured. Most breakdown providers are the same. This is the only time where the distinction between TPFT and Comprehensive will have an effect on the provision of recovery services. It is perfectly possible to have breakdown cover sold AND VALID with a TPFT policy - they just wont scoop your mess off the road after an accident, which is standard proceedure. Until recently only the RAC and a small handful of others would.
So your story yet again makes very strange sense. You cancelled your insurance because your THIRD PARTY policy did not provide RECOVERY AFTER A FAULT ACCIDENT, forfeiting your NCB?
Why would you do that?
Is there more to this which you are not sharing with us?
Last edited:
[TW]Fox;16313618 said:
I wasnt even 2 days into the policy? and Elephant hadn't even asked me for proof of my NCB they actually said on the phone 'we will take your word for it'
When I insured with Direct Line they contacted Adrian Flux who confirmed my NCB
- So no not really, but I can see why you would ask. Thinking back I was actually pretty scared during all that. Sitting on the side of the motorway with no forseeable way home is frightening
Last edited:
You cancelled after just 2 days?
How did you know they were epically turd after just 2 days of cover?
And no insurance company will just "take your word for it" on NCB proof, they aren't in the market to give money away when they don't have to!
And why is an insurance company who won't recover your car after a fault accident when you only have a TPFT policy 'turd' anyway? And why expect 'BREAKDOWN' cover to provide 'ACCIDENT RECOVERY'?
And why move to Direct Line after 2 days? If they offered you a better deal why didn't you just use them in the first place?
This all seems a bit weird. Is this the full story?
I can verify this with this particular insurer as well - 2 weeks after I took a policy out, I had a letter in the post requiring proof of NCB within 14 days or they'd terminate my policy. This was slightly odd given they were my previous insurer, but a phone call sorted it.