Admiral insurance - Page 1 - Porsche General - PistonHeads UK

Hi all, I know a lot of folks use Admiral so wanted to ask a question. Admiral are refusing to fit a Porsche windscreen, not sure what they propose, waiting on confirmation, but assume will look the same, ie top band and sensors etc, just an aftermarket manufacturer. Has anyone else had this with Admiral, and did anyone manage to get them to change their mind (I know I can pay the difference but it’s going to be a lot let’s face it) Cheers

There's usually a reason insurance is cheaper! Know of people who got Porsche replacement usually after a couple poor replacements by AG

If the car is under warranty - be very careful, as fitting non oem parts can invalidate the warranty. A colleague of mine with a boxster - was in the same situation, and agreed with the windscreen company that he'd pay the difference between the costs. As it turned out, they fitted the Porsche Windscreen - and then Admiral paid out without questioning it

The ‘aftermarket' manufacturer is typically the same manufacturer as OEM and exact same product ( eg Pilkington, St Germain etc), just doesn’t have markings on the glass to signify OEM Porsche ( P inside a circle or triangle as I recall) I’ve had three Porsche windscreens replaced under Admiral insurance in last 4 years, and successfully insisted on original equipment in two cases (though caused a slight delay, maybe a week) - my wife’s Macan, 6 months old at the time, and a 2 month old 992 c4S targa, both by Autoglass. I had no problem or question when insisting original Porsche on the Macan; I had to escalate re the 992 but it was resolved quickly. Nothing inherently wrong with Autoglass in my experience, our cars were both good as new, though use an AG centre not mobile. Maybe we were lucky getting AG fitter(s) on top of their game and who really took pride in their work - though I got the impression this was deliberate by the AG centre they had assigned their top fitter. The one time it wasn’t OEM (another Macan) , it didn’t even cross my mind to ask and an 'aftermarket' screen was fitted, 99.9% of people would never had known ( we didn’t at the time!) and the car subsequently had warranty work done at OPC and was p/x'd back to OPC with no issue. I might be wrong but seem to remember Admiral have policy to agree to OEM if car is less than 2 or 3 years old. I know some of the guys at my local OPC guys very well and asked them about warranty point and they said it’s complete nonsense - unless the a warranty claim is in some way related specifically to the windscreen. They also said they don’t have the specialist capability to fit windscreens and use subcontractors, including autoglass…..

beedj said: The aftermarket' manufacturer is typically the same manufacturer as OEM and exact same product ( eg Pilkington, St Germain etc), just doesn t have markings on the glass to signify OEM Porsche ( P inside a circle or triangle as I recall) All the non-genuine windscreens I have replaced on Porsche cars are usually FY ( Fuyao ) glass. The reason for replacing is not because they're damaged, it's because there are quality imperfections (such as distortion) or that the (ADAS) camera won't work or allow calibration. In some cases the (integral) antenna is very prominent in appearance compared to the original which is a fine line and hardly visible. Some have been Pilkington, not branded with the Porsche hallmark of authenticity. Admiral are notorious for not allowing OEM parts and I've heard many stories of them, or their nominated repairer, charging the policyholder the difference between a non genuine part and genuine. First and foremost, for this supplement to be applicable, legally applicable, it needs to be discussed, or your attention needs to be drawn to it before policy inception, ie, during the proposal stage so that you can make an informed decision about what is being proposed. If you are being told that a supplement will be levied for OEM parts you might at that point decide the policy being proposed is not for you. Also the supplement is usually the price of a windscreen. In effect, you are paying for an OEM windscreen (plus your excess) and all Admiral pay in that claim is the average invoice value they have agreed with their approved repairer (which is quite low from what I understand). Brazen. There is a lot of misinformation surrounding this situation and Admiral, by virtue of being a low cost insurance provider, is usually in the discussion. The warranty being invalided is an interesting one. Having a non-genuine windscreen fitted will invalidate the warranty - what would it? However, if anything attached to the windscreen such as camera, combined light/rain sensor, GPS etc needs attention, Porsche will not touch it (this applies to any manufacturer). If the windscreen is leaking or has wind noise, again, they won't touch it under any kind of warranty claim. Chopping the car in on P/X may also weaken your stance if the non-genuine part is detected. Edited by Glassman on Saturday 27th June 08:37

FYI I am with Direct Line, who refused to pay for an OEM Porsche Screen for my 991.2 despite escalating it through a formal complaints procedure. I opted to pay for an OEM replacement myself via Glasstec Paul, who I can wholeheartedly recommend. https://glasstecpaul.com

Thanks all. For all my “weekend” Porsche I have used Lockton for the past 15 yrs who cover everything, wierd thing is for a daily - this is the 12000 mile per year family Cayenne - they wouldn’t quote, hence went with Admiral. Does annoy me, you pay then claim and they try and short change you. Re the limit they told us it’s 3 yrs for OEM screen. Car was 2 1/2 yrs old at policy commencement and now over 3 yrs at claim point… Wife is going into attack mode on Monday so we’ll see what the outcome is..

Glassman said: beedj said: The aftermarket' manufacturer is typically the same manufacturer as OEM and exact same product ( eg Pilkington, St Germain etc), just doesn t have markings on the glass to signify OEM Porsche ( P inside a circle or triangle as I recall) All the non-genuine windscreens I have replaced on Porsche cars are usually FY ( Fuyao ) glass. The reason for replacing is not because they're damaged, it's because there are quality imperfections (such as distortion) or that the (ADAS) camera won't work or allow calibration. In some cases the (integral) antenna is very prominent in appearance compared to the original which is a fine line and hardly visible. Some have been Pilkington, not branded with the Porsche hallmark of authenticity. Admiral are notorious for not allowing OEM parts and I've heard many stories of them, or their nominated repairer, charging the policyholder the difference between a non genuine part and genuine. First and foremost, for this supplement to be applicable, legally applicable, it needs to be discussed, or your attention needs to be drawn to it before policy inception, ie, during the proposal stage so that you can make an informed decision about what is being proposed. If you are being told that a supplement will be levied for OEM parts you might at that point decide the policy being proposed is not for you. Also the supplement is usually the price of a windscreen. In effect, you are paying for an OEM windscreen (plus your excess) and all Admiral pay in that claim is the average invoice value they have agreed with their approved repairer (which is quite low from what I understand). Brazen. There is a lot of misinformation surrounding this situation and Admiral, by virtue of being a low cost insurance provider, is usually in the discussion. The warranty being invalided is an interesting one. Having a non-genuine windscreen fitted will invalidate the warranty - what would it? However, if anything attached to the windscreen such as camera, combined light/rain sensor, GPS etc needs attention, Porsche will not touch it (this applies to any manufacturer). If the windscreen is leaking or has wind noise, again, they won't touch it under any kind of warranty claim. Chopping the car in on P/X may also weaken your stance if the non-genuine part is detected. Edited by Glassman on Saturday 27th June 08:37 I stand corrected I m almost certain I got this understanding from Admiral ( I guess in their interest, though maybe the conversation was specifically re Pilkington where it seems from your comments there are Porsche marked and non-marked versions). Nonetheless in my cases I stood my ground insisting on OEM, had no real difficulty getting this agreed, and this was what was installed. There was no discussion about paying any difference . Maybe I just got lucky, twice

Insurance companies pretty much all have the same profit margins…in insurance speak that is the combined ratio…difference between claims and premiums put simply. Admiral is a standout with a combined ratio of 80%…most insurers are at about 90%…lower is better so Admiral is significantly more profitable. Admiral are amongst the cheapest on the market and also the most profitable. Tells you they are very well managed but it also tells you that their claims payouts are on average lower than their competitors, given their premiums are lower it probably means their average payout is significantly lower. They’re clever with things like not paying for an OEM windscreen on a car over 3 years old…that is where they make their money. I know years ago when I was renewing my insurance having just bought a new car the policy pay out for a total loss was for a base spec car…so I went with a different insurer as my car had a significant amount of options. Total loss claims are rare but for me it wasn’t a risk I wanted. You pay for what you get

I’m with Admiral for both the Cayenne and 996 turbo, had a claim on the Cayenne and they dealt with it very efficiently. I needed a screen in the old 993 the policy wasn’t with admiral but was cost limited, I chose to take the cash and pay the extra for Glasstec to install, having seen the mess the previous screen fitter had left I wouldn’t go anywhere else now (and they use OEM screens)

Cheib said: Insurance companies pretty much all have the same profit margins in insurance speak that is the combined ratio difference between claims and premiums put simply. Admiral is a standout with a combined ratio of 80% most insurers are at about 90% lower is better so Admiral is significantly more profitable. Admiral are amongst the cheapest on the market and also the most profitable. Tells you they are very well managed but it also tells you that their claims payouts are on average lower than their competitors, given their premiums are lower it probably means their average payout is significantly lower. They re clever with things like not paying for an OEM windscreen on a car over 3 years old that is where they make their money. I know years ago when I was renewing my insurance having just bought a new car the policy pay out for a total loss was for a base spec car so I went with a different insurer as my car had a significant amount of options. Total loss claims are rare but for me it wasn t a risk I wanted. You pay for what you get Exactly. Car Insurance is also cyclical and those that perform better than the average ( ignoring specialist Insurers and HNW Insurers ) soon find other issues in that the generalists and larger individual Insurers are also market share driven. Admiral do not make 20 points net every year. On a net basis ( after all operating costs and expenses including necessary Reinsurance ) over any given cycle the majority of Insurers would be doing very well to walk away with anything other than a single digit profit.

SpyderMatt said: Thanks all. For all my weekend Porsche I have used Lockton for the past 15 yrs who cover everything, wierd thing is for a daily - this is the 12000 mile per year family Cayenne - they wouldn t quote, hence went with Admiral. Does annoy me, you pay then claim and they try and short change you. Re the limit they told us it s 3 yrs for OEM screen. Car was 2 1/2 yrs old at policy commencement and now over 3 yrs at claim point Wife is going into attack mode on Monday so we ll see what the outcome is.. Lockton have a maximum milage limit of 8,000 miles per annum per vehicle insured

If the car has warranty I would argue with Admiral that for you to maintain manufacturers warranty you need to have an OEM screen. I'm sure if you asked your OPC they would provide something to support this.

Freakuk said: If the car has warranty I would argue with Admiral that for you to maintain manufacturers warranty you need to have an OEM screen. I'm sure if you asked your OPC they would provide something to support this. A mate said this and they said "bothered", basically you've agreed to the TCs when you signed on the dotted line, if they relent is purely down to who you discuss it with and how you manage it. I've had a few mates over the years try and it's getting harder and harder to get them to pay up.

FriedMarsBar said: Freakuk said: If the car has warranty I would argue with Admiral that for you to maintain manufacturers warranty you need to have an OEM screen. I'm sure if you asked your OPC they would provide something to support this. A mate said this and they said "bothered", basically you've agreed to the TCs when you signed on the dotted line, if they relent is purely down to who you discuss it with and how you manage it. I've had a few mates over the years try and it's getting harder and harder to get them to pay up. This is it. Some say they 'just' told them it's a structural part of the car's safety or that they insisted an OEM windscreen was fitted or the warranty will be void. You'd think they've heard it all before, many times over.