We understand car insurance is a confusing business. First you shop around trying to find the best price for you, then you try to work out which is the right cover for you, and once you've done all that, you find yourself trying to decipher the insurance lingo. Sometimes it feels like everyone around you is speaking a foreign language.
Then all of a sudden everything seems to click, No Claims Bonus, named drivers, fully-comprehensive cover, these are all things you suddenly understand, you've figured it out, you speak the language and you get covered.
However, there are still things we do that leave you asking 'why?', so we've put together some information to answer those questions.
Looking at the full claims history of our drivers is important as it helps us determine the likelihood of there being more claims in the future. We look at years of data from millions of motorists.
Statistically speaking, drivers who have a non-fault incident are more likely to go on to make a fault claim in the future. We therefore use it as a factor when calculating future premiums.
Some reasons for this include; living in a high risk area, driving busier or more dangerous routes every day or the type of car you drive being prone to malicious damage or theft.
However, even with a non-fault incident your No Claims Bonus remains unaffected, so that discount will still be taken into account.
We automatically renew your policy in order to offer continuous cover on your vehicle so you don't get left without insurance. Since 2011, it's an offence to keep a vehicle without insurance unless you've notified the DVLA that your vehicle is being kept off the road by means of a Statutory Off Road Notice (SORN). You don't have to be driving to be caught.
You'll receive your renewal notice from us between 14 and 21 days before it's due. If you registered online this will be sent out as an email. Once you've received your renewal invite, you can call our renewals department at any time to discuss it or cancel the renewal. If you cancel outside the 14 day cooling off period you'll be charged for the days on cover.
A No Claims Bonus is earned for every year you are insured and a claim isn’t made against your policy. It allows us to add additional discounts for those drivers who are a safer risk.
By providing us with proof of your No Claims Bonus we can give you the right discount.
Our new online portal allows you to access your documents and insurance certificate online, so it is easier than ever to provide us with your No Claims Bonus details. There is a short form to fill in via the online portal and it can be submitted directly to us in minutes.
Searching databases which store claims and convictions information is a way of ensuring we have the correct information for you when your policy begins.
Though it can seem Admiral is trying to find ways to increase the insurance premium, it is in fact a way of making sure all relevant information is declared and correct before an accident occurs.
We don't expect you to remember the exact date you received a motoring offence four years ago, but we do need to know the month and year it happened. We appreciate mistakes are made, so searching the databases allow us to update information accordingly which allows us to rate fairly across our customer base.