Admiral Car Insurance

Title: Admiral Car Insurance
Publisher: Veoh  - Admiral Insurance
A short film outlining the achievements of the Admiral Car Insurance Group in 2009


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A review of Admiral Car Insurance by Car Insurance Television

The UK Car Insurance Blog

Admiral Car Insurance Review

We asked a large team of people to visit Admiral Car Insurance and report back to us about how easy it was to use the website and whether the website offered all the car insurance services and covers they required.

The team consisted of a cross section of UK demographics, car ownership and ages; the only common factor was that none of the team had bought car insurance online before.
The object of the review was to rate the usability, car insurance cover offerings and services of the website, and not just the premioums quoted.



REVIEW OF ADMIRAL CAR INSURANCE
Website: http://www.admiral.com
Q. Is the car insurance company offering any special discounts or offers?
A. Yes,10% online discount

Are these only available if you purchase online?
Yes, only available to online purchases of car insurance

Q. Is telephone help readily available from the webpage?
A. There are 2 numbers available for getting help with quotes on single and multi car policys and an extensive 'contact us' section with many numbers and addresses

Q. Is there a claims section readily accessible?
A. There is a link to a claims page with all the necessary form available for print, download or to be completed online

Q. Was it easy to find the quote page?
A. The link was central on the opening page of the site

Q. Was there an option to recall a previous quote?
A. Yes, you created an account during the quote process


Policy Restrictions

Are there any restrictions to getting a quote

Q. What are the minimum and maximum ages?
A. There appeared to be no age resctrictions

Q. Do they cover all professions?
A. Yes

Q. Are Kit Cars, Q plates and modified vehicles covered?
A. Yes

Q. Do they cover Northern Ireland (NI)?
A. There policy extends to the whole UK however it is unclear

Q. Are drivers with convictions covered?
A. Yes

Q. How many claims in the last three years are allowed?
A. There was no maximum

Getting a Quote

Q. How many pages are there before you get a quote?
A. 5

Personal details

Q. Does the application find your address easily from the postcode?
A. Yes, and it asks you your house number before the search so you don't have to choose from a list

Q. What is the maximum number of NCD years allowed?
A. 9+ years

Q. Can you protect your NCD?
A. You could opt for protected and guaranteed NCD years but it cost an additional premium

Car details

Q. Does the car details come automatically from the DVLA when the reg no is entered?
A. Yes, but you could enter the details manually if you wanted to.

Q. What are the maximum and minimum Voluntary Excess Amounts?
A. £0 to £1000 - changing these affected the premium considerably.

Claims details

Q. How many accidents are you allowed?
A. They wanted to know about all your accidents and claims but there was no obvious limit

General Observations

Q. Was it easy to understand what the questions wanted and were there help boxes?
A. The majority of the questions had help boxes but was easy enough not to need them

Q. Were all the questions necessary?
A. Yes

Q. Could you change things like voluntary excess to get a requote?
A. You could change details about your quote on the final price page and the quote responded accordingly

Q. How long did it take to get a quote?
A. About 5 mins

Q. How many quotes were returned?
A. Just 1

Q. Do the quotes offered have different or varying levels of cover?
A. No, but you could amend your quote details and therefore change your level of cover and requote.

Q. Can you go back and requote?
A. Yes you could requote as much as you wanted

Q. Did you understand the levels of cover you were getting?
A. There was no description of the differences in covers

Q. What additional covers were offered?
A. They offered windscreen, courtesy car and stereo cover as basic, then breakdown, personal injury and hire car at a charge

Q. Could you remove covers to make the quote cheaper?
A. You could not remove the inclusive covers

Q. Can you save the quote to return to this site later?
A. Yes through your account..

Q. Are you offered the policy documents and keyfacts documents to read before you purchase?
A. The documents are all available to view and download from the main page.

Q. Was this easy or discouraged from viewing these documents before purchasing?
A. Easy.
.

Purchasing Admiral Car Insurance

Q. What payment methods are available?
A. You could pay online with any major credit/debit card also you could set up a direct debit and you could finish the quote over the telephone.

Q. Were you asked for more personal or car details before you could purchase? If yes what?
A. No

Overall

Q. How did you find the navigation? Was it easy to move around the website?
A. Good, you could move around the site whilst getting your quote as the quote process was done in a separate window.

Q. Did you like or dislike this site? Why?
A. Like - The site was enjoyable to use because it felt honest and upfront although the premiums occasionally seemed very high in comparison.

Q. Was the website quick or slow?
A. The site itself was quick to navigate around and the quote process also

Q. Was the site easy to use?
On a scale of 1 to 5 , 1 being hard to use and 5 being very easy - how would you rate it?
A. 5 - The site was simple, quick and clear.



Get an Admiral Car Insurance Quote

So there you have it - Admiral comes out top on usability with a maximum vote of five from our team, that is going to take some beating. It looks like the Business Analysts at Admiral have done a fantastic job on the online functionality of this website! Let us know your thoughts on this website.

Read More Car Insurance Reviews and Compare Cheap Car Insurance Quotes from hundreds of specialist suppliers.

Labels: admiral, admiral car insurance, Admiral Car Insurance Review, car insurance, Car Insurance Review, UK Car Insurance Reviews

How to Get Cheap Car Insurance Rates Without Reducing Your Cover

Everywhere you go these days you will hear the same word applied to car insurance. On the TV ads and commercials and on the radio........

Compare!

Well yes, you certainly do need to compare what you are spending your money on when it comes to car insurance, but as expert Dave Healey points out in the following article, there is a lot more to Comparing Car Insurance than what you are first led to believe by the giant car insurance 'price comparison' sites, whose horrible jingles regularly ring in your ears......


How to Get Cheaper Car Insurance Without Reducing Your Coverage

When you enter your details online and ask for a quote, the car insurance rating system returns a price for your coverage determined by the answers you give to the questions asked. This is exactly the same process as if you walked into a high street brokers or telephoned a company you found in say yellow pages. The difference online is that you are doing the work filling in the form or researching the market for yourself, saving the insurance company the cost of employing people to process your application.

Online car insurance is therefore nearly always a cheaper method of purchasing coverage as nearly all online motor insurance companies offer an immediate discount to the basic insurance rates, of at least ten percent for purchasing this way. To get the cheapest cover then, it is necessary nowadays to spend some time online.

The art to obtaining cheaper car insurance is found in a combination of first identifying a set of policies or companies that suit your particular insurance cover needs and then adjusting the factors within the preferred policy to tailor the price of it to your pocket.

Different companies ask different questions to assess your risk, but all ask a basic set of questions called rating factors. Although rating factors vary from policy to policy, the standardised method of rating a vehicle according to its risk group (engine size and cost to repair) and a driver by his age and experience, apply almost universally. When looking for cheaper insurance always answer the questions asked truthfully, in order not to invalidate your cover.

Your answers to the standard rating factor and risk questions should always be the same, as things such as your age or the type of car, do not change.

Identifying a company which is right for you is of particular importance as it is not desirable to reduce coverages to save on price. Getting cheaper premiums is about negotiating a price for the level of cover you desire. For example, reducing your coverage from comprehensive to third party fire and theft may save you a lot of money up front, but will cost you dearly in most cases in the event of a claim, especially if you are at fault!

A good place to start, if you have the time, to get an indication of what you are likely to pay, is to visit a car insurance price comparison site. These websites compare rates and policies, often from hundreds of different insurance suppliers. Some online systems particularly these so called aggregator or price comparison sites are more often obliged to ask more questions, so getting a cheaper quote can be time consuming. This is because certain of the insurance companies on the panel require differing information about the driver or the car, in order to return the quote. This obviously takes a lot longer to complete the quotation and purchasing processes where sometimes hundreds of policies are involved, however the time spent is rewarded with a list of competing companies offering a variety of quotes, giving you a very good indication of what you are likely to have to pay. These may not be the cheapest quotes you will find online, but being presented with various offers and options is a starting point for identifying cheaper car insurance.

If you like a look of a particular policy that you have found on a car insurance price comparison site, you can often save money by visiting the company's own website and applying direct. In order to ensure you get the full benefits of cheaper cover it is often necessary to remove all cookies from your browser window, before visiting the car insurance provider direct.

It is also worth remembering that many of the cheaper car insurance companies do not have their motor insurance products for sale on the price comparison sites, and many make a point of this direct exclusivity, in their advertising campaigns. These so called direct car insurance companies are also able to offer large discounts for purchasing their insurance because they cut the costs of production of the policy by cutting out the costs of the middleman, in the form of a price comparison site fee or car insurance brokers commission. The commission savings these direct insurers make by conducting business this way can then be passed onto their customers as cheaper car insurance premiums.

Another area to explore if you have particular driving coverage needs or own a classic or expensive performance car, is the specialist car insurance market. This market is comprised of many specialist car or niche motor insurance schemes, often operated by much smaller companies who could specialise in, for example, a particular classic car make and model scheme, young inexperienced driver insurance, or drivers with convictions.

These specialist policies are often available at much cheaper prices than both the price comparison sites and the direct insurers because they have both the bulk buying power and mutuality of affinity groups, where these economies of scale can be passed on as cheaper car insurance premiums to the customer; and also benefit from the fact that where the risk is known and can be grouped, much more accurate and tailored risk pricing can be achieved. To identify a suitable specialist company simply search online for insurance for your vehicle type.

Once you have identified a few policies that are suitable for your personal driving requirements, there are certain adjustments that can be made within the quotation system that will reduce the premiums.

Many of the adjustments that online car insurance applications allow you to make, do not reduce your levels of cover but transfer some of the risk to yourself in the form of excesses. The excess is the amount that you personally have to bear the cost of in the event of a claim, before the insurance cover kicks in.

The higher the excess you are prepared to accept on a voluntary basis the cheaper the cost of the policy. This method of reducing premiums is fine if you are a careful driver and do not believe that you will ever have an at fault accident or claim. Higher excesses invariably mean small claims for bumps and scratches are avoided. A new type of car insurance called value car insurance was recently introduced into the UK market by supermarket chain Tesco.

The concept of this insurance is an ultra high compulsory policy excess to deter all but the most serious claims; coupled with ultra low premiums, sometimes as much as a third of the competitors prices. Companies are able to offer this cheap coverage because claims are reduced and profits higher.

So in order to get cheap car insurance it is necessary to dedicate some time comparing policies, plans, schemes, covers and prices. Going direct or haggling on the phone can also sometimes produce spectacular price reductions, particularly as there are many promotional offers these days that are only available direct from the supplier. The more time you dedicate to exploring and researching various car insurance options the more likely it is that you will find much cheaper car insurance than you are currently paying!

Original Article Pulication : http://EzineArticles.com/?expert=Dave_Healey http://EzineArticles.com/?How-to-Get-Cheaper-Car-Insurance-Without-Reducing-Your-Coverage&id=3102589

So there you have it...
Shop around, Compare Car Insurance at YouTube and check out TV and radio ads for great cheap car insurance deals.
Always remember to check what you are buying in terms of a claims service!

Specialist Car Insurance will cut premium costs!

The UK public are turning to specialist car insurance providers as they seek to reduce the costs of car insurance premiums during the current recession.

Specialist car insurers provide policies and cover that is tailored to the particular individual insurance needs of the driver or car, for example women driver insurance, classic car insurance cover or performance sports car insurance. Premiums are often much less than what the equivalent quote may be from a mainstream insurer. The policy covers are also much more suited to the type of vehicle or person driving it especially when it comes to making a claim. The advent of the Internet and online underwriting has enabled the public to have broad and wide access to policies that were previously reserved for the few. Division of cover by make, model or class of driver has also provided the specialist insurers with much safer risk pools of the type of business the are looking to underwrite and consequently with less claims they can offer further reductions in the cost of car insurance.



There are many companies now offering this cover online but it is best to shop around and compare quotes from many specialist car insurance providers. Visit a one stop shop where they compare specialist car insurance quotes from many providers for the best deals and cheap car insurance.