“ Admiral home insurance promises the best prices from a panel of leading insurers. „
Took out admiral insurance as the price seamed good and the policy seamed to have everything I needed. 3 odd months after having the policy my daughter knocked my laptop off the settee. I caused damage to the lid/ screen. It was insured as a specific item due to value. Being approx £2000. I rang up to submit a claim and I was informed an electrical company would collect the laptop and take it to investigate damage and report back to admiral. Well, the company decided that the laptop hinges had ceased and that this was wear and tear! They so failed to note other damage such as impact dent in the report! Admiral said they would not payout due to wear and tear. I was furious, so I appealed and took the laptop directly to 2 apple stores who both done reports completely contradicting admirals report. They stated the hinges were fine, and in fully working operation. I went back to admiral and threaded going to the financial ombudsman. They have passed it to someone else now and I'm waiting to hear back.
This is week 5 into the claim now and it's still not sorted.
I'd avoid this company at all costs!
I previously had my Contents Insurance with Barclays and I was with them for 2 years. My Insurance with Barclays went up by around 2 pound each year. So I finally decided to go online and search for a better quote I went onto yahoo and searched for contents insurance. Various companies appeared and I first tried AA, immediately realising I was being ripped off by Barclays! My own fault really for taking the easy way out and sticking with the same insurers.
I decided against the AA and then got quotes from More Than Insurance, Post Office and then lastly Admiral.
The best quote turned out to be Admiral although More Than was a very close second.
The Admiral Home Insurance website was very easy to navigate and I found the quote very easy to get. I went ahead with the quote and applied this was also easy to do and didn't take that long. You have the choice to pay in a lump sum or pay by monthly direct debit. Which is what I chose to do I paid a deposit and then I would have 10 monthly installments to pay.
Once this was completed I was told I would receive an email confirmation, this came through within the hour. I was told that my policy details would be sent through the post shortly. Around 4 days later I received my policy details which I found to be all correct which made me happy as when I originally applied with Barclays Insurance I had to send it back as they had made a couple of errors. The paperwork had all the information on the cover I had applied for and I also received a booklet on their terms and conditions. It stated in the covering letter that I needed to send a direct debit application form to them, they supplied a pre-paid envelope for this.
I completed the form and posted it off, although I received a letter around 5 days later asking me to fill in a direct debit application within 7 days. So I decided to call their customer services just to check that they had received what I had previously sent them. The telephone conversation was painless, I was only on hold for around 4 minutes. This was around 9.15 on a Monday morning which I would have thought would be quite a popular time as their call centre is closed on Sunday. The lady who answered was very helpful and apologised saying that it is automated system that sends the letters and that they had received all my details and the insurance was set up.
All in all the website isn't as sparkly as some insurance companies but is simple to use. The experience I had with the call centre was very good and i found them very helpful. The call centre is open 8am-8pm Weekdays, 9am-2pm Saturdays but are closed on Sundays. The week day opening hours are very acceptable and at least they are open for half of the day on Saturday.