I currently in contact with Admiral with regards to problem with my insurance policy.
I used to own an old Peugeot 106. It was covered by Admiral third party only.
I bought a brand new Seat Ibiza on the 29th of September. I amended my policy, rather than restarting a new policy. I've come across some problems
The easiest thing for me to do is probably to just copy the letters here.
Here goes:
Dear Sirs,
Re: Complaint about service:
I am writing to you having recently been in contact with your company to amend my policy to cover my brand new vehicle during which to say the least I have experienced some problems.
I have been dealing with a gentleman called *Name removed*.
On the 26th September I contacted you to advise that I was changing my vehicle on the 29th of September. I gave *Name removed* all of the details of the new car including its value. She alerted me that Admiral would only pay out the market value of the car, I agreed and told her that I had GAP insurance, so it wouldn’t be a problem.
Because it was a brand new car I requested that the policy document was sent directly to car dealer via recorded post, so that they could tax my vehicle.
The following morning I received my insurance certificate via special delivery. I checked with the car dealer to see if they had received anything, they replied no. So clearly someone had sent the document to me instead of the car dealer. I had to do a 70 mile round trip to travel to the dealership to deliver the certificate, and I had paid you £7.50 for the privilege!!
On the 29th of September I travelled to the car dealer to collect my car. I signed all the forms and then drove the car home, all was ok.
When I opened my post that night and read the documents I’d received, I was alarmed to see that I was only covered for Third party, even though I was covered fully comprehensively on the temporary certificate. So I’d driven my £11,000 car 35 miles with only third party cover.
I quickly picked up my phone and contacted you with regards to your mistake. Much to my amazement *Name removed* told me I would have to pay an additional fee of £450, to put the cover right and that you had sent the insurance certificate to the car dealer as requested, which you hadn’t as I received them at my home address the following morning.
I am therefore requesting that you fully investigate your error and would request that you honour the price I agreed with *Name removed* on the 26th of September, which was £130.62 per month until the 8th of March 2007. It cannot be denied that I wanted fully Comprehensive cover despite *Name removed* trying to state this, as the Temporary certificate confirms this. Your company has made an error and I would request that I am not the one who has to suffer because of your inefficiencies.
Yours faithfully
Thomas Harland
----------------------RESPONSE FROM ADMIRAL----------------------
Dear Mr Harland
Thank you for your email received on the 30th of October 2006. I am sorry you have been unhappy with our service recently. As a quality executive for Admiral, I have looked into your comments.
After reading your email, I would like to confirm the following. On 26th of September 2006 you called us to change you car. We then agreed to send a cover note to your home address, one cover note to the garage and faxed a cover note to Mr *Name Removed*. I understand the garage did no receive the cover notes and I'm happy to write off the charge of £7.50. I am sorry for an inconvenience this has caused.
I agree the temporary certificate we sent did state the car had comprehensive cover. This is because when the system issues a temporary cover notes the cover will automatically default to fully comprehensive cover. We then have to change the cover manually. We did not do this because of a human error. Cleary this is not acceptable and not the service we expect to provide to our customers. I will arrange further training to make sure this does not happen again.
After listening to your call with *Name removed*, I can confirm you did not ask to change your policy to comprehensive cover. We will not change the cover on a policy unless you ask us to. *Name removed* quoted you on a price based on third party cover only and the extra charge for changing the policy is correct.
I understand you may remain disappointed but I hope I have explained the reason for our actions. I am grateful for your comments and am sorry you feel our service did not meet the high standards we promise our customers.
----------------------END OF REPONSE----------------------
Where do I go from here? I feel like I'm being ripped off. I'm paying over £200 a month to insure my car because of a mistake they have made.
Thanks for reading, I hope you can help
Regards
Tom
I used to own an old Peugeot 106. It was covered by Admiral third party only.
I bought a brand new Seat Ibiza on the 29th of September. I amended my policy, rather than restarting a new policy. I've come across some problems

The easiest thing for me to do is probably to just copy the letters here.
Here goes:
Dear Sirs,
Re: Complaint about service:
I am writing to you having recently been in contact with your company to amend my policy to cover my brand new vehicle during which to say the least I have experienced some problems.
I have been dealing with a gentleman called *Name removed*.
On the 26th September I contacted you to advise that I was changing my vehicle on the 29th of September. I gave *Name removed* all of the details of the new car including its value. She alerted me that Admiral would only pay out the market value of the car, I agreed and told her that I had GAP insurance, so it wouldn’t be a problem.
Because it was a brand new car I requested that the policy document was sent directly to car dealer via recorded post, so that they could tax my vehicle.
The following morning I received my insurance certificate via special delivery. I checked with the car dealer to see if they had received anything, they replied no. So clearly someone had sent the document to me instead of the car dealer. I had to do a 70 mile round trip to travel to the dealership to deliver the certificate, and I had paid you £7.50 for the privilege!!
On the 29th of September I travelled to the car dealer to collect my car. I signed all the forms and then drove the car home, all was ok.
When I opened my post that night and read the documents I’d received, I was alarmed to see that I was only covered for Third party, even though I was covered fully comprehensively on the temporary certificate. So I’d driven my £11,000 car 35 miles with only third party cover.
I quickly picked up my phone and contacted you with regards to your mistake. Much to my amazement *Name removed* told me I would have to pay an additional fee of £450, to put the cover right and that you had sent the insurance certificate to the car dealer as requested, which you hadn’t as I received them at my home address the following morning.
I am therefore requesting that you fully investigate your error and would request that you honour the price I agreed with *Name removed* on the 26th of September, which was £130.62 per month until the 8th of March 2007. It cannot be denied that I wanted fully Comprehensive cover despite *Name removed* trying to state this, as the Temporary certificate confirms this. Your company has made an error and I would request that I am not the one who has to suffer because of your inefficiencies.
Yours faithfully
Thomas Harland
----------------------RESPONSE FROM ADMIRAL----------------------
Dear Mr Harland
Thank you for your email received on the 30th of October 2006. I am sorry you have been unhappy with our service recently. As a quality executive for Admiral, I have looked into your comments.
After reading your email, I would like to confirm the following. On 26th of September 2006 you called us to change you car. We then agreed to send a cover note to your home address, one cover note to the garage and faxed a cover note to Mr *Name Removed*. I understand the garage did no receive the cover notes and I'm happy to write off the charge of £7.50. I am sorry for an inconvenience this has caused.
I agree the temporary certificate we sent did state the car had comprehensive cover. This is because when the system issues a temporary cover notes the cover will automatically default to fully comprehensive cover. We then have to change the cover manually. We did not do this because of a human error. Cleary this is not acceptable and not the service we expect to provide to our customers. I will arrange further training to make sure this does not happen again.
After listening to your call with *Name removed*, I can confirm you did not ask to change your policy to comprehensive cover. We will not change the cover on a policy unless you ask us to. *Name removed* quoted you on a price based on third party cover only and the extra charge for changing the policy is correct.
I understand you may remain disappointed but I hope I have explained the reason for our actions. I am grateful for your comments and am sorry you feel our service did not meet the high standards we promise our customers.
----------------------END OF REPONSE----------------------
Where do I go from here? I feel like I'm being ripped off. I'm paying over £200 a month to insure my car because of a mistake they have made.
Thanks for reading, I hope you can help
Regards
Tom