Quote:
Originally Posted by clivem2
I've had problems with Admiral in the past. They wanted to charge me £20 per year because I had a sunroof, all my other options had a cost too, a high cost. It's their way to bulk up the cost of your insurance. Of course options can impact repair costs but not by much. I use Aviva, all they wanted was the value of the vehicle, not a list of manufacturer fitted options.
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Admiral want all that to charge you more. Doenst cover the cost of the extras unless you choose the options add on but even then its £500 or 10% of the Vehicle value so £500 which is pointless.
The estimated value you put down has no bearing on what they will pay out under a claim. They will look at market value but do you trust them to properly value a similar optioned car - how can they if they have no idea what options your car had.