Admiral Insurance Services -
Motor Insurance
Admiral Insurance Services - Our Philosophy
Buying your car insurance over the phone is commonplace these days. But it's been a rapid rise from humble beginnings in 1985 when Peter Wood (Direct Line) decided he could sell car insurance cheaper and quicker over the phone.
During the late '80s a number of companies following the Direct Line model sprang up. But these companies were only interested in selling to Mr and Mrs Average who were living in the suburbs with their 2.4 kids, driving an average car and had an unblemished driving record.
From their launch in 1993, Admiral was different. Admiral Insurance Services looked to offer the twin advantages of direct insurance - lower premiums and better service to motorists who had been neglected by established direct insurance companies. These motorists tend to be younger people, those with bigger cars and those who live in cities.
Great service, great prices online
The very fact that you're using the Internet means that you're likely to be interested in benefiting from Admiral's underwriting philosophy and that Admiral Insurance Services may be able to offer you a better deal on your car insurance. Remember, when you call Admiral , you'll be talking directly to the people who arrange AND service your policy. So whether it is a change of details or even a claim, you can be sure of a quick and efficient service. And because Admiral Insurance Services don't have to pay commission to brokers, we can pass these savings on to you in the form of cheaper premiums.
Admiral Insurance Services Motor Insurance Policies
Admiral wants to provide you with exactly the service you need - and so Admiral Insurance Services offer a wide range of options and custom features on your policy. You can put together just the package you need. And if you want to talk about any of the options, just email or call Admiral and ask their Sales staff on 0800 600 800. Admiral Insurance Services will be happy to explain the details of any of their services, and let you know how they could benefit you.
Features of your Admiral policy
Free replacement car
If you have an accident or make a claim and their Admiral Approved repairers are authorised to do the work, you will get a FREE replacement car (within 24 hours) whilst your car is being repaired. The replacement car will be insured by Admiral Insurance Services under your policy of insurance on the same terms and conditions as your own car.
IMPORTANT - Replacement cars are not provided if your car has been stolen, is beyond economic repair, if you choose a repairer not on their approved repairer panel or your own car was originally produced for sale outside the EEC. Admiral cannot guarantee to provide a vehicle adapted for any individual's special needs or disability.
Windscreen Cover
Have you ever had a cracked windscreen? Found a side window smashed? Admiral's windscreen cover protects all glass in your car (except the sunroof) with no limit on the number of claims you make. Your No Claim Bonus will not be affected and you are entitled to free security window etching with the cover. If the damage to the glass can be repaired by Auto Windscreen there is no excess. If not, an excess of just £50 will apply. Windscreen cover is included free with Comprehensive policies. Otherwise you can add it to Third Party Fire and Theft policies. For further details please contact Admiral Insurance Services Customer Services department on
0870 548 0000. For further information you can go to the Auto Windscreen website.
Stereo cover
Admiral Insurance Services will cover your car phone, CD player, cassette player or any other audio equipment, provided they are permanently fitted to your car.In the event of a claim the maximum Admiral will pay against loss or damage to this equipment is 15% of your car's market value or £750, whichever is the least.
Roadside emergency helpline - 0800 600 840
The emergency helpline is open 24 hours a day for all Admiral's policyholders. Staff will either
tell you the location of the nearest Admiral approved repairer, or will arrange for that garage to assist you at the site of the accident.
Flexible excess options
Are you tired of paying huge excesses with claims on your car insurance? Or perhaps you rarely claim, and wouldn't mind a higher excess in return for lower premiums. With Admiral, your policy can be customised for you.You are free to choose a voluntary accidental damage excess of £50, £100, £150 or £250 (in addition to any imposed policy excess), and your premiums will be reduced accordingly. Remember, if the claim is non-fault, you can claim back the excess using your legal cover.
Extra options on your Admiral motor insurance policy
Instalment Protection Plan
Have you ever wondered how you would pay your car insurance instalments in the
unfortunate event that you are disabled, made redundant or (in the case of self-employed
people) hospitalised and are unable to work?
For the equivalent of £2 per month (just £24 per year), you can have the peace of mind of knowing that your car will be insured even if you are no longer able to meet the payments yourself. For your information, Admiral Insurance Services have included the full terms and conditions.
Legal Expenses Cover
Most policies cover you for third party damage, fire and theft, or accidents. But have you thought about the costs of legal action to ensure your claim is met, or of ensuring that other drivers meet your claim if they are at fault?
Legal Expenses Cover from Admiral will cover you for £50,000 of legal advice, costs and expenses to enable you to pursue claims which are not covered by your insurance policy, or claims arising from personal injury or death as a result of an accident while insured by Admiral.
All this will cost you just £19.95 per year. Legal Expenses Cover also include a 24 hour helpline for insured and named drivers on the policy. For your information, Admiral Insurance Services have included the terms and conditions.
Personal Accident Plan
Your normal comprehensive policy, entitles you to £5000 worth of cover for serious injury in accidents for yourself and your spouse. This can be very useful; however, this amount will not ensure your financial security if you lose a limb or your sight.
Admiral's Personal Accident Plan will increase your cover up to £35,000 in the event of a serious injury, giving you far more peace of mind and security if you have an accident.
Protecting your No Claim Bonus
Taking out this cover means that your valuable No Claim Bonus will remain unaffected should you make up to two fault claims in a three year period with Admiral. This means that you will keep your No Claims Bonus despite having had an accident and claiming off your insurance.
To qualify, the policyholder must have at least 4 years No Claim Bonus, all drivers must be over and have had no fault claims in the previous 12 months (theft or attempted is counted as a fault claim). You can have up to four named drivers on the policy. Protecting your No Claim Bonus means that you will have a compulsory excess of at least £60. Unfortunately Admiral Insurance Services are unable to protect your No Claim Bonus if you have an any driver over 25 policy.
Guaranteeing your No Claim Bonus
Even better than protecting, you can Guarantee your No Claim Bonus which means no matter how many claims you make, you don't lose the bonus. Guaranteeing your No Claim Bonus costs approximately 15% of your premium, and there is a minimum £100 compulsory excess. The policyholder must have a No Claim Bonus of at least 5 years and all drivers on the policy must be over 28. You must also have had no fault claims in the past 12 month (theft or attempted theft is counted as a fault claim). You can have up to four drivers on the policy, all of whom must have a full licence. Unfortunately Admiral Insurance Services are unable to protect your No Claim Bonus if you have an any driver over 25 policy.
Capital Tower,
Greyfriars Road,
Cardiff
CF10 3AZ
http://www.admiral.uk.com
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