Call us on the number below if you've broken down and need help. Admiral comprehensive policies come with a range of benefits and features included as standard which are included below. Get £5,000 of personal injury cover for you and your partner to help if you have had a serious accident. You will also benefit from having one policy for all vehicles and one renewal date. If you have protected ncd and a low excess then the uninsured driver promise is only worth having if the saving you make is more than your excess. Uninsured Driver Promise so that you won't lose your no claims bonus (T&C's apply) Privilege car insurance: facts. Comprehensive cover includes a courtesy car while your car is being fixed by an approved repairer. According to Defaqto, 67% of 349 comprehensive car insurance policies had an uninsured driver promise to protect your no claims discount, refund your excess or both. Diamond is owned by the Admiral Group, a large Welsh insurance company listed on the London Stock Exchange and in the FTSE 100 Index. It owns the insurance company EUI, which underwrites the majority of Admiral policies. Got2Insure is a fully online company which is based in the UK. Sava Re is a dynamic Slovenian/international insurance group present in more than 100 insurance and reinsurance markets all across the globe. By using this site, we assume you accept our use of cookies and other similar technologies. A comprehensive car insurance policy from the AA also comes with their uninsured driver promise, ... Admiral car insurance; RAC car insurance; AA car insurance; John Lewis car insurance; Guides. Features of this policy include: Cover from 1 hour up to 30 days You won’t lose any of your no claims discount if you're not at fault. Uninsured driver promise – so you won’t lose your no claims bonus if your car is hit by an uninsured driver and it wasn’t your fault and your excess will be reimbursed 5 Star rated cover – RAC Car Insurance Plus has been awarded 5 stars by independent financial research company Defaqto Cover includes breakfast for you and your passengers up to £150 per person (£600 total) while your vehicle is being repaired. Guaranteed courtesy car^ A guaranteed courtesy car will be provided whilst your car is being repaired by our approved repairer. Uninsured driver promise 1 Uninsured driver damage your car and you’re not at fault? ‘There is also the uninsured driver promise, so you won’t lose your NCD or excess if hit by an identifiable uninsured driver who was to blame.’ What is the benefit of a no claims bonus? We're backed by well-known brands. Recommended Providers, offer an uninsured driver promise on their comprehensive policies. Got2Insure is underwritten by Sava Insurance (part of Save Re.) 1. See a range of car insurance quotes in just a few minutes when you compare with Uswitch. Uninsured driver promise available, depending on your motor insurance policy’s terms and conditions. Solicitor’s fees and expenses 3. Van drivers have four choices: Social: for drivers using their van for personal trips and not to commute or for work, Social and Commuting: for travelling to work or to the station each day to get to work, Own Goods: for tradesmen such as builders, carpenters and plumbers who use their van in connection with their business. This includes like for like replacement cover if your car is stolen or written off. What does your Uninsured Driver Promise mean? Uninsured Driver Promise** If you are in an accident with an uninsured driver, it shouldn’t cost you a penny when you claim. It’s a guarantee that your no claims discount will be reinstated and your excess will be reimbursed if you’re involved in an accident with an uninsured driver. policy with legal assistance & personal injury cover. 2005 - it started selling multi car insurance, 2013 - it launched black box (telematics) insurance, 2017 - it launched personal loans and car finance products. You can check this on the Financial Services Register by visiting the FCA website. What type of cover does Admiral car insurance offer? That's why our car insurance gives you the Uninsured Driver Promise – you won't have to pay an excess, and you won't lose your no-claims discount if your car is hit by a driver who isn't insured. Admiral is a UK based insurance company, set up in 1993 to specialise in Car Insurance. It is fully comprehensive cover and includes as standard: You’ll get a courtesy car while yours is being repaired at an Admiral-approved garage. The uninsured driver has no resources, and would probably return to his home country if sued. Admiral’s Keycare cover is a standalone cover that provides up to £2,000 cover towards the cost of replacement keys and locks. Uninsured driver promise available, depending on your motor insurance policy’s terms and conditions. Please note an excess applies. Uswitch Limited is registered in England and Wales (Company No. Got2Insure car insurance: facts. As well as enabling certain features to work better, cookies let us collect feedback and information about how you've used the site – so we can keep improving it for you. Hastings Direct offers a range of competitive and straightforward products and services, which include car, bike, van and home insurance and a range of additional products like breakdown cover and family legal protection. All Aviva policies come with its uninsured driver promise - if your vehicle is involved in an accident caused by an uninsured motorist, Aviva will refund any excess you've paid. Those quotes are for driver of eco car, aged 21-30, Greater London, clean licence. The cover also allows you to claim for personal injury and uninsured losses such as your excess, and personal injury, from the driver at fault. Does Admiral offer optional extras on its car insurance. 3; Lifetime guarantee on repairs … that’s 2% higher than before the pandemic. Uninsured Driver Promise so that you won't lose your no claims bonus (T&C's apply) Privilege car insurance: facts. Stay moving with courtesy car cover. The Financial Ombudsman Service received 496 car insurance complaints about Admiral in the first half of 2020, plus a further 97 for Admiral’s insurance company EUI making a total of 593. Admiral said your no-claims discount would be affected in each of the listed scenarios, but it does have an uninsured driver promise. Temporary car insurance policies can be for as little as one hour to 30 days but it is possible for learners to buy cover for longer to enable them to practise ahead of their driving test. In order to have the black box installed: you'll need to drive at least 1,900 miles annually, your car must have been manufactured in the past 15 years. Admiral car insurance personal injury cover provides an additional £50,000 extra cover, with a limit of up to £100,000. If you have younger drivers in your family, Find out if Admiral car insurance is best for your motoring needs. Aviva has a near identical protection scheme within its comprehensive cover. All three of these providers offer an ‘uninsured driver promise’ guaranteeing the protection of your no claims discount and no excess if you make a claim for an accident caused by an uninsured driver. That gives Admiral just under 12% of all motor insurance complaints. Uninsured Driver Promise If you have an accident that is not your fault and the driver of the other vehicle is not insured, we will cover your policy excess providing you can supply: y The vehicle registration number and the make and model of the vehicle; and y The driver’s details, if possible When you claim you may have to pay your excess. 24hr helpline available Yes. This protects your no claims bonus and your excess if you're in a non-fault accident with an uninsured driver. Travel expenses – for example train or taxi fares whilst without your car 2. If you have protected ncd and a low excess then the uninsured driver promise is only worth having if the saving you make is more than your excess. To put complaints in context, 67 firms had 10 or more complaints each and those totalled 4,550 complaints. We’ll put things right if an uninsured driver causes damage to your car and you’re not to blame. The uninsured/unlicenced party overtook on a bend, crashed into the car I was following, then spun into me. Standard accident claims are categorised under two groups: at-fault and non-fault. The policyholder is covered to drive another insured car on a third party basis, so long as they're eligible. © 2000-2020 Uswitch Limited. How much does it cost to add the Uninsured Driver Promise to our car … Uninsured driver cover – if an uninsured driver hits your car, through no fault of yours, as long as you supply their vehicle registration and the accident details we'll refund any excess paid and your No Claim Discount won't be reduced: Yes: Yes: Legal Protection– we'll cover up to £100,000 of legal costs to recover uninsured losses after a non-fault accident in the UK if the legal team believes you can win … Admiral: Drivers with a fully comprehensive policy are covered for any damage incurred from an accident with an uninsured driver. Acts of vandalism are often treated by insurers as an at-fault claim because they don't know who the vandal is and therefore can't recover costs. is for drivers with a full UK licences from age 17 years old, restrictions on powerful or expensive cars. Misfuelling Cover – we'll cover the cost of draining your tank and any damage caused to your vehicle as a result of putting the wrong type of fuel in it. Comprehensive car insurance offers unlimited car stereo cover and up to £150 personal belongings cover. Costs and uninsured losses relating to the driver’s injury or death whilst driving the insured car 4. If your keys are lost or broken Admiral will arrange for your vehicle to be towed to the nearest garage or an alternative destination of your choice, if no further than 10 miles away from the breakdown. Admiral is urging drivers who take their car abroad to make sure they have the correct documents before leaving. All named drivers earn their own no claims bonus for use with Admiral policies. Uswitch Limited is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 312850. After shopping around for … This ensures that any excess you have to pay out for a claim is reimbursed, and that your no-claims bonus remains in tact. So if your vehicle was hit by an uninsured driver your no-claims discount would not be affected – as long as Admiral was able to identify the driver who hit the car and confirm they had no insurance in place. Over 10 years' experience in car insurance; Joanna Lumley was the first face of the Privilege car insurance advertising; Call centres are open 7 days a week; Privilege was established in 1994 and their car insurance product was launched in 2004, offering exceptional customer service - proving … We compare all suppliers and tariffs without bias and keep your personal details safe, but don't just take our word for it. You'll get a hire car (up to 1600cc) for up to three days to allow you to complete your you journey. This feature is included in all comprehensive policies. Admiral offers a Defaqto-five-star-rated van insurance policy. As part of our industry-recognised star ratings system, Moneyfacts looks at all the car insurance products available in the UK marketplace. Admiral is a leading provider of short-term, temporary or day car insurance. Or you can contact us using the details above. Hastings Direct is a fast growing, agile, data and digitally focused general insurance provider. You may be able to claim compensation from the Motor Insurers’ Bureau (MIB) if you’ve been injured or your property has been damaged because of an uninsured or ‘hit and run’ driver. Note that an excess will apply. … So if your vehicle was hit by an uninsured driver your no-claims discount would not be affected – as long as Admiral was able to identify the driver who hit the car and confirm they had no insurance in place. Our data shows car accidents abroad are more likely to occur in August than any other month.”. Uninsured driver promise – if you're hit by an uninsured driver you won't have to pay your excess and your No Claims Discount won't be affected. Admiral originally specialised in car insurance. Payments are made monthly with no interest and with no extra charges. We’ll put things right if an uninsured driver causes damage to your car and you’re not to blame. However, they also offer insurance policies for other vehicles, home, travel and pet, as well as financial services such as personal loans and car finance. Admiral Motor Insurance ... Uninsured driver promise covers you if you’re in an accident with an uninsured driver; Misfuelling cover for if you fill up your car with the wrong fuel (we’ve all been there) And you can add these optional extras too… Guaranteed hire car: £2 per month This guarantees you a small basic hatchback hire car while your car is being repaired by our recommended repairer service, or has … It is owned by the Admiral … If you’re involved in a road traffic accident which is caused wholly or partly by another party, there are some things that your car insurancepolicy doesn’t cover, such as: 1. The accident happened with an uninsured driver and it was his fault. So long as you have all the details of the other car. My car was extensively damaged, and also caught fire resulting in a total loss. A similar sized vehicle to your insured car, Up to a maximum of 2.2 litres and 7 seats or £250 to use for travel expenses. Existing customers can buy Admiral temporary car insurance. Get the make, model and registration number of the car. Unfortunately, you won't be able to purchase breakdown cover online right now. But don't worry, give us a call on 0333 220 2033 and we can advise you. Cover against accidental death, serious injury or fractures, Includes cash amounts if you stay in hospital as a result of an accident in your car, Covers policyholder and named drivers: named drivers are covered whether they're driving or just a passenger in the insured car, Cover for policyholders whilst in any other privately insured car in the UK, You're covered whether the accident is your fault or not, Uninsured driver protection: covers you if you're hit by an uninsured driver. Uninsured Driver Promise If you have an accident that is not your fault and the driver of the other vehicle is not insured, we will cover your policy excess providing you can supply: y The vehicle registration number and the make and model of the vehicle; and y The driver’s details, if possible When you claim you may have to pay your excess. Uninsured driver promise – if you're hit by an uninsured driver you won't have to pay your excess and your No Claims Discount won't be affected. Uninsured driver promise Yes. Admiral car insurance offers the following types of cover: Yes. However, once we confirm that the incident was the fault of the … Standard accident claims are categorised under two groups: at-fault and non-fault. 04 72 17 12 00, Or from other EU countries and UK mobile phones: Lorna Connelly, head of claims at Admiral, says: “Since lockdown began, we’ve seen a marked change in the types of accidents reported. If a claim settles 50/50, the third party insurers will repay 50% of your excess. This feature is included in all comprehensive policies. If you’ve had an accident involving an uninsured driver and it wasn’t your fault, we won’t reduce your No Claims Discount and will refund your policy excess. She says: “Many people are deciding to drive to Europe in the coming weeks instead of flying this year. You can use your cash rewards when you renew or purchase a new Admiral insurance policy. Many insurance providers include an Uninsured Driver Promise in their comprehensive policies. Other insurance products offered by Admiral include home insurance, travel insurance, pet insurance and Admiral’s van insurance. Veygo is aimed at 'drivers with no cars'. The group also owns Admiral, Elephant and Bell, as well as comparison site Confused.com. View products. You just need to provide us with: The vehicle make, model and registration number of the uninsured driver’s car that caused the damage Then contact our claims team, who’ll help you through the process 6. This applies as long as it’s up to 12 months old and you’re the first registered owner. no need to claim on your motor or household policies, Cover for any of your keys, not just your car, access to a nationwide network of locksmiths. 00 338 25 09 88 76 Uninsured driver promise If the other driver is not insured and the accident’s not your fault, you keep your no claim discount and there's no excess to pay – as long as you have the details of the other vehicle and driver; Misfuelling cover Accidentally filled your car with the wrong fuel? It is aimed at younger or newer drivers who may want to lower the cost of their car insurance. In most cases, the at-fault driver is the person responsible for causing the accident.But things get a little tricky when a car is vandalised. Over 10 years' experience in car insurance; Joanna Lumley was the first face of the Privilege car insurance advertising; Call centres are open 7 days a week Admiral car insurance was awarded a TrustPilot rating of 3.4 out of five based on 6,422 verified reviews. If you have an incident involving an uninsured driver, we may not be able to recover your excess for you. That’s why we’ll reimburse your excess, and your no claims discount will be reinstated. If your car is damaged in the event of an accident with an uninsured driver, your Insurer will need the vehicle registration, make and model and we will repay your excess and restore your No Claims Discount. Uninsured driver promise for extra peace of mind. Nearly 200 firms had fewer than 10 each, sharing just 479 complaints between them. Admiral also trades under a number of different brands, including Elephant, Diamond and Bell for car insurance, Gladiator for van insurance and Veygo for temporary short-term car insurance. Compare a range of short-term insurance policies with Uswitch and money.co.uk*. What's included as standard in Admiral's comprehensive insurance? With Admiral MultiCar insurance, you will receive an immediate discount for every car you add to the policy. “If you see deer warning signs or are travelling through a forested stretch of road, be sure to check your speed and stay alert. 03612689) The Cooperage, 5 Copper Row, London, SE1 2LH. All cover includes 90 days’ European cover on all car insurance policies. Uninsured driver promise This protects your no claims bonus and your excess if you're in a non-fault accident with an uninsured driver. We checked your Age UK policy and discovered it actually includes protection against a non-fault accident with an uninsured driver, despite what you had been told. But Admiral say I will have to pay an excess of £400 to get the car fixed and I will also lose my no claims bonus. 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