Admiral Analed Me

Ajerthan · 11-29-2013, 06:32 AM

Basically I rang up Admiral to declare my CU80 last night

Guess what?

They raped me with £950 increase!!

Am I allowed to rant?

gIzzE · 11-29-2013, 06:39 AM

Is it not worth asking another insurer for a quote?

Kerr · 11-29-2013, 07:06 AM

Is a CU80 caught using a phone?

Something seriously wrong at £950 extra. Even drunk drivers don't get hit anywhere near that hard.

I bet they also have cancellation charges on the policy too.

zltm089 · 11-29-2013, 07:29 AM

find another insurer!...

mowflow · 11-29-2013, 07:50 AM

That is crazy. I just got a renewal quote for my car with both myself and my wife on it. I had to add an SP30 for myself and a CU80 for the wife and it only went up by £40.

rich1068 · 11-29-2013, 07:57 AM

Quote:

Originally Posted by Ajerthan

Am I allowed to rant?

Do what you like. You could have killed someone. Driving while holding and using a phone is monumentally stupid. I think you got off light.

davyk31 · 11-29-2013, 08:03 AM

Spend 100 on a Parrot kit or a tenner on a headset and no worries

As above I can't understand anyone nowadays who risks this one, totally stupid. Bet the call wasn't even important.

Alex.J · 11-29-2013, 08:35 AM

If cu80 is indeed driving while on the phone, then you deserve it!

One thing I can't stand and the disregard to others safety!

MrPogle · 11-29-2013, 08:35 AM

Quote:

Originally Posted by rich1068

Do what you like. You could have killed someone. Driving while holding and using a phone is monumentally stupid. I think you got off light.

To be fair, hands free is no safer. It's not the fact that you are steering with one hand that leads to the accidents. My employer, for example, forbids me talking to people who are driving whilst using any kind of mobile phone.

sylonien · 11-29-2013, 09:42 AM

Quote:

Originally Posted by Alex.J

If cu80 is indeed driving while on the phone, then you deserve it!

One thing I can't stand and the disregard to others safety!

See people driving with phones on their hands ALL THE FLIPPING TIME.

Alex.J · 11-29-2013, 09:56 AM

Quote:

Originally Posted by sylonien

See people driving with phones on their hands ALL THE FLIPPING TIME.

Yup! It's a disgrace! I hated before but now I have reasons, I really really hate and see people who do it as low low people ! No respect for them at all!

Bfc1882 · 11-29-2013, 12:31 PM

The best one I see all the time is when the phone is held in hand but not up to the ear obviously on loudspeaker. It's as if people think this is ok and legal. This might make you think twice http://m.bbc.co.uk/news/uk-england-humber-23876320

acerboo · 11-29-2013, 01:01 PM

funny how using a mobile while driving is such a crime and im not condoning it but buy a bicycle and you can act like an absolute arsehole! completely ignore the highway code no insurance ride up one way streets ignore red lights nearly knock pedestrians over on crossings , get yourself killed by an hgv because you ride up the inside of it and even then you don't get the blame, forgot, you can also use your mobile!

Ajerthan · 11-29-2013, 02:37 PM

Quote:

Originally Posted by rich1068

Do what you like. You could have killed someone. Driving while holding and using a phone is monumentally stupid. I think you got off light.

I'm capable of killing someone casually with nothing in my hands.

Quote:

Originally Posted by davyk31

Spend 100 on a Parrot kit or a tenner on a headset and no worries

As above I can't understand anyone nowadays who risks this one, totally stupid. Bet the call wasn't even important.

Worst part is I have built in hands free.

Quote:

Originally Posted by Alex.J

If cu80 is indeed driving while on the phone, then you deserve it!

One thing I can't stand and the disregard to others safety!

This thread isn't about if I deserve it or not.

Nick the Greek · 11-29-2013, 03:02 PM

Admiral are merely looking at the increased risk you are no bringing to the insurance pool. The courts are taking a much harder line on this and if you found yourself convicted of dangerous driving after maiming someone else, Admiral could be looking at damages claim against them of £ hundreds thousands.

Certainly be worth trying other insurers but you may find that this way an expensive mistake to make.

MrPogle · 11-29-2013, 03:18 PM

A 950 hike sounds awfully like "unwanted business" to me. When I worked in insurance we did this to people we wanted off the books. We weren't allowed to refuse cover to existing clients or people we covered prior to their ban so we jacked up the premium massively to try and make them go away.

Alex.J · 11-29-2013, 04:20 PM

Quote:

Originally Posted by Ajerthan

This thread isn't about if I deserve it or not.

No I fully agree, but this a forum, and people are entitled to opinions, threads never stay on topic, especially when you post something that could be taken or seen in a negative light by others.

Its the essence of the world we live in!

mowflow · 11-29-2013, 04:36 PM

It's illegal but is it any more dangerous than farting about with iDrive, sat nav or an iPod?

MrPogle · 11-29-2013, 05:06 PM

Quote:

Originally Posted by Ajerthan

This thread isn't about if I deserve it or not.

It is, though, isn't it?

You started the thread with "Am I allowed to rant?" the answer to which is basically whether you have been treated unfairly or not.

Kerr · 11-29-2013, 07:55 PM

Quote:

Originally Posted by MrPogle

It is, though, isn't it?

You started the thread with "Am I allowed to rant?" the answer to which is basically whether you have been treated unfairly or not.

To be fair the rant was about the insurance increase, which is unjust.

There doesn't seem to be a question by the OP over guilt or the punishment given for the offence. He looks to have accepted that part.

zltm089 · 11-29-2013, 08:05 PM

Quote:

Originally Posted by acerboo

funny how using a mobile while driving is such a crime and im not condoning it but buy a bicycle and you can act like an absolute arsehole! completely ignore the highway code no insurance ride up one way streets ignore red lights nearly knock pedestrians over on crossings , get yourself killed by an hgv because you ride up the inside of it and even then you don't get the blame, forgot, you can also use your mobile!

And the OP asked about insurance...

gangzoom · 11-30-2013, 02:37 AM

It does just sound like they really don't want to insure you.

When I added mods to my car my Admiral renewal cost went up by 200%. Even the guy on the end of the phone couldn't believe the cost, it was clear they simply didn't want to touch a highly modified car.

We all know what insurance companies are like, there's little point trying to understand how they work out their costs. There are plenty of other insurance companies, just take your business some where else

.

11-29-2013, 06:32 AM	#1
Ajerthan Bimmaaaa 23 Rep 635 Posts Drives: E46 M3 Join Date: May 2012 Location: London iTrader: (3) Garage List 2004 BMW M3 [0.00] 2009 BMW 325 [0.00]	Admiral Analed Me Basically I rang up Admiral to declare my CU80 last night Guess what? They raped me with £950 increase!! Am I allowed to rant? __________________ InstaGram: Ajerthan
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11-29-2013, 06:39 AM	#2
gIzzE Major General 363 Rep 5,984 Posts Drives: F11 + 911 C4 Join Date: Apr 2006 Location: Norfolk, UK. iTrader: (2)	Is it not worth asking another insurer for a quote?
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11-29-2013, 07:06 AM	#3
Kerr Brigadier General 112 Rep 4,021 Posts Drives: BMW M235I Join Date: Dec 2010 Location: Aberdeen iTrader: (0)	Is a CU80 caught using a phone? Something seriously wrong at £950 extra. Even drunk drivers don't get hit anywhere near that hard. I bet they also have cancellation charges on the policy too.
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11-29-2013, 07:29 AM	#4
zltm089 Banned 244 Rep 7,690 Posts Drives: 335i SE Coupe Space Grey Join Date: Nov 2008 Location: LONDON iTrader: (0) Garage List 2006 BMW 335i [10.00]	find another insurer!...
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11-29-2013, 07:50 AM	#5
mowflow Colonel 62 Rep 2,472 Posts Drives: Golf 7R Join Date: Feb 2010 Location: Glasgow iTrader: (2)	That is crazy. I just got a renewal quote for my car with both myself and my wife on it. I had to add an SP30 for myself and a CU80 for the wife and it only went up by £40. __________________ Daily Golf R Project Peugeot 205 1.6 GTi
	Appreciate 0 Quote

11-29-2013, 08:03 AM	#7
davyk31 Major General 1042 Rep 6,946 Posts Drives: Macan GTS :-) & F40 M135i Join Date: Sep 2009 Location: Northern Ireland iTrader: (0)	Spend 100 on a Parrot kit or a tenner on a headset and no worries As above I can't understand anyone nowadays who risks this one, totally stupid. Bet the call wasn't even important.
	Appreciate 0 Quote

11-29-2013, 08:35 AM	#8
Alex.J Major 56 Rep 1,241 Posts Drives: BMW E92 335i MSport Join Date: May 2013 Location: Nottingham iTrader: (9)	If cu80 is indeed driving while on the phone, then you deserve it! One thing I can't stand and the disregard to others safety! __________________
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11-29-2013, 12:31 PM	#12
Bfc1882 Private First Class 13 Rep 163 Posts Drives: F30 335d Join Date: Aug 2012 Location: Scunthorpe iTrader: (0)	The best one I see all the time is when the phone is held in hand but not up to the ear obviously on loudspeaker. It's as if people think this is ok and legal. This might make you think twice http://m.bbc.co.uk/news/uk-england-humber-23876320
	Appreciate 0 Quote

11-29-2013, 01:01 PM	#13
acerboo Brigadier General 179 Rep 3,923 Posts Drives: e92 335d lci Join Date: Jul 2008 Location: kent iTrader: (2)	funny how using a mobile while driving is such a crime and im not condoning it but buy a bicycle and you can act like an absolute arsehole! completely ignore the highway code no insurance ride up one way streets ignore red lights nearly knock pedestrians over on crossings , get yourself killed by an hgv because you ride up the inside of it and even then you don't get the blame, forgot, you can also use your mobile!
	Appreciate 0 Quote

11-29-2013, 03:02 PM	#15
Nick the Greek Banned 2010 Rep 6,065 Posts Drives: M135i. I don't do diesel. Join Date: Jun 2012 Location: UK iTrader: (0)	Admiral are merely looking at the increased risk you are no bringing to the insurance pool. The courts are taking a much harder line on this and if you found yourself convicted of dangerous driving after maiming someone else, Admiral could be looking at damages claim against them of £ hundreds thousands. Certainly be worth trying other insurers but you may find that this way an expensive mistake to make.
	Appreciate 0 Quote

11-29-2013, 03:18 PM	#16
MrPogle Captain 69 Rep 605 Posts Drives: F10 550i M-Sport LCI Join Date: Dec 2012 Location: Cheshire iTrader: (0)	A 950 hike sounds awfully like "unwanted business" to me. When I worked in insurance we did this to people we wanted off the books. We weren't allowed to refuse cover to existing clients or people we covered prior to their ban so we jacked up the premium massively to try and make them go away.
	Appreciate 0 Quote

11-29-2013, 04:36 PM	#18
mowflow Colonel 62 Rep 2,472 Posts Drives: Golf 7R Join Date: Feb 2010 Location: Glasgow iTrader: (2)	It's illegal but is it any more dangerous than farting about with iDrive, sat nav or an iPod? __________________ Daily Golf R Project Peugeot 205 1.6 GTi
	Appreciate 0 Quote

11-30-2013, 02:37 AM	#22
gangzoom Brigadier General 1685 Rep 3,286 Posts Drives: E90 335i M sport Join Date: Jun 2011 Location: Leicester iTrader: (1)	It does just sound like they really don't want to insure you. When I added mods to my car my Admiral renewal cost went up by 200%. Even the guy on the end of the phone couldn't believe the cost, it was clear they simply didn't want to touch a highly modified car. We all know what insurance companies are like, there's little point trying to understand how they work out their costs. There are plenty of other insurance companies, just take your business some where else .
	Appreciate 0 Quote