admiral insurance
in 1979, the company entered the specialty insurance market through the purchase of admiral insurance company .
admiral multicover insurance gives you the same benefits we offer with multicar and our flexible home insurance policies .
motor insurance policies purchased on this website are underwritten by the insurance carriers listed on your certificate of motor insurance .
you can tailor your home cover to suit your needs - choose from admiral, admiral gold or admiral platinum .
the admiral group launches confused. com, the uk' s first online insurance aggregator
named drivers could earn an admiral no claims bonus for use with new admiral policies .
admiral insurance, a major insurance company in the uk, has announced that it will use data garnered from facebook profiles to help set insurance premiums for first - time drivers .
thousands of admiral car and home insurance customers have been given misleading information over premium hikes .
but settling for just being an expert in car insurance was never going to be enough, which is why we launched admiral home insurance .
in 1972, the company entered the insurance market through the acquisition of houston general insurance company. in 1973, the union insurance company was organized in nebraska, while traders & general insurance company was acquired .
it entered the directors’ and officers’ liability insurance business with the formation of monitor liability managers. acadia insurance company in maine, chesapeake insurance division of firemen’s insurance in virginia, and great river insurance company in mississippi were all established to further expand the regional business .
you can choose buildings or contents insurance and select one of three levels of cover depending on your home insurance needs .
admiral insurance group is a member of w. r. berkley corporation which operates worldwide in two segments of the property casualty business: insurance and reinsurance. learn more > >
admiral was voted best car insurance provider 2013 / 14, 2014 / 15 and 2015 / 16 in the personal finance awards .
s one co - founder of admiral insurance prepares to hand over the reins to another, the pair look to the future .
admiral is the trading name of eui limited. insurance is effected between eui limited and certain insurers as listed on your certificate of motor insurance. its registered number is 2686904 and its registered address is :
if you' d like to see a full list of the awards admiral has won it is available on our admiral group website .
driving further into telematics, or so - called black box insurance, is high on the agenda for admiral, and stevens is weighing up a move into other products after a successful shift into home insurance .
we offer three levels of cover - admiral home, admiral gold and admiral platinum - as you' d expect, the gold cover offers slightly more than the home, while platinum covers more than the gold .
if you' re looking to make a career change and fancy hoping aboard at admiral, just visit admiral jobs to view our current vacancies .
one of the biggest insurance companies in britain is to use social media to analyse the personalities of car owners and set the price of their insurance .
admiral started out in 1993 with the aim of offering lower insurance prices to more people, without compromising on the quality of our service or products .
how much do admiral insurance employees make? glassdoor has salaries, wages, tips, bonuses, and hourly pay based upon employee reports and estimates .
mines said admiral could eventually develop the scheme further, meaning it could include other social media sites and increase the price of insurance for some drivers .
you get personal possessions cover up to £2, 000 as standard with admiral platinum cover but you can choose a higher amount than that if needed. you can add personal possessions cover to our admiral home and admiral gold .
homeowners may want to purchase a full home insurance policy which combines buildings and contents cover while renters, or people living in serviced properties where buildings insurance is included in the service charge, only need to look at contents insurance .
yes. just click on get a quote for multicar insurance or single - car insurance and once you' ve completed the process, cover can start immediately .
dave snaps up easy - peasy multicover discounts on his car and home insurance .
“your clients count on you... you can count on admiral! ”
admiral multicover is designed to cover all your cars and home on a single policy .
more than 140 admiral staff have signed up to run the admiral city of newport half marathon this sunday (18th march 2018). it’s the... read more
the company went public as w. r. berkley corporation on october 19, 1973, just hours before the arab oil embargo was announced and later sold traders & general insurance company while organizing tri - state insurance company of minnesota and acquiring union standard insurance company .
admiral insurance group has been in operation since 1974. we provide excess and surplus lines coverage to commercial risks that generally involve moderate to high degrees of hazard. learn more > >
use of a courtesy car whilst your car is being repaired at an admiral approved garage .
about us. find out more about admiral' s history, commitments, and culture .
montrose did not notify admiral about the prp letter until february 15, 1985, when it provided the prp information along with other information to admiral in preparation for the cgl policy renewal (despite the prp disclosure, admiral did renew the cgl from 1985 to 1986. )
if you' re interested in one of our insurance policies, please call the quote number for that policy. if you want to contact admiral headquarters, please call 0333 220 2062 .
admiral provides car insurance, home insurance, loans, and various other products to our 5. 73 million customers. we make sure they are in the best possible position after an incident. despite a mixed economic climate, our business has continued to grow from strength to strength .
our full featured platinum home insurance is for people who demand extra security and peace of mind .
if admiral had initially argued the prp letter established that injury or damage was expected or intended by montrose and therefore not an occurrence, might the outcome have been different? but that was not what admiral argued at the summary judgment trial level. instead, admiral chose to rely solely on the manifestation trigger and known loss or loss - in progress rule per california insurance regulations .
newly formed companies during these years included berkley underwriting partners, berkley technology services, admiral excess underwriters, b f re underwriters to underwrite casualty facultative reinsurance on a direct basis, berkley risk solutions to provide insurance and reinsurance financial solutions to insurance companies and self - insured entities, and w. r. berkley insurance (europe) limited to write u. k. casualty risks .
because dave told us the renewal dates of their home and sarah' s car insurance, admiral takes care of everything for them when they' re due to come onto the multicover policy .
it is not hard to understand why facebook would have had problems with admiral' s scheme, even if the insurance firm' s customers had given permission for their posts to be shared .
berkley public entity managers and berkley custom insurance managers were formed in 2012 and finally, berkley southeast insurance group, berkley fire & marine underwriters and berkley design professional underwriters were all formed in 2013 .
a brief background. montrose chemical made pesticides (ddt) at its plant in california; admiral insurance wrote cgl coverage for montrose chemical from october 13, 1982, until march 20, 1986 .
please check section 5 of your current certificate of motor insurance to see if you have this cover .
the company also expanded overseas, through the purchase of 80% of independencia insurance company of argentina .
it also formed preferred employers insurance company, which provides workers’ compensation coverage for small employers in california .
if you have more than one car at the home address - or even at different addresses if they belong to immediate family - you can insure them all with admiral and earn an admiral multicar discount .
admiral’s professional liability department’s expertise has been the key to our long - term relationships with our brokers .
admiral' s desire to offer lower insurance premiums to more people has proven popular. this has been demonstrated with our expansion of our operations in the uk and abroad - spreading the great deals even further .
you can manage and view your policy documents for your car, van, home and travel insurance below .
the best car insurance provider 2017 / 18 in the personal finance awards, as voted for by consumers .
facebook has blocked plans by an insurer to view young drivers' profiles to help set car insurance premiums .
but louise haigh, labour' s shadow minister for the digital economy said :
other insurers will undoubtedly be using social media data to determine premiums and to market their insurance. admiral is simply being honest .
dan mines, who led the firstcarquote project at admiral, denied that it was invasive of personal data .
for more information on what' s included with each level of cover just visit our main home insurance webpage .
answer two questions to help us point you in the right direction for a better deal on your car insurance .
get flexible insurance for learner drivers that works alongside the existing policy of the car you learn to drive in .
your policy automatically includes a international motor insurance certificate (on your current certificate of motor insurance) for a maximum of 30 consecutive days in any one trip, and up to a maximum of 90 days in a year .
in the early 1970s, the company entered various aspects of the insurance business and debuted as a public company .
admiral sues. montrose demanded defense for the above actions from all its cgl insurers, past and current. all insurers, except admiral, agreed to defend the actions with reservations of rights. admiral refused to defend and moved for summary judgment in 1989, contending that there existed no possibility of coverage under its cgl policies since :
specialising in insurance is about more than just getting to know one product and sticking to it. at admiral we make it our business to specialise in knowing what our customers want and adapting our products to suit their needs .
admiral insurance will analyse the facebook accounts of first - time car owners to look for personality traits that are linked to safe driving. for example, individuals who are identified as conscientious and well - organised will score well .
henry engelhardt, left, celebrated his departure from admiral by giving staff £7m. david stevens will succeed him .
yes. just click on get a quote for multicar insurance or single - car insurance and once you' ve completed the process, cover can start immediately. or you can call for a multicar or single - car quote .
the rapid growth of social media and personal technology has given insurance companies and employers swaths of data they can access to analyse customers or employees. as well as admiral’s car insurance scheme, insurers are looking at how they can use the rise of smartwatches and fitness trackers to monitor people’s health. for example, vitality is currently selling the apple watch to health and life insurance customers, with the final price dependent on how much exercise customers do while owning the watch .
as an insurer we may check your details against databases available to the insurance industry, online quotations and any past or present policies within the admiral group. we may also ask you to provide documentation to validate the information we hold .
by validating insurance policies, we know we are providing you the fairest price for your insurance, and that information we hold is correct. this also helps us in our continued effort to combat fraud and ensure that your policy is unaffected .
the admiral group has served millions of policies to millions of happy customers. they can' t all be wrong .
voted by consumers as the best car insurance provider 2017 / 18 for the fifth year running (personal finance awards) .
the international motor insurance certificate is only valid for the above named countries. you don' t need to call us if you are taking your car to any of these countries, but you do need to take your certificate of motor insurance .
every admiral employee is a shareholder which means everyone who works here wants to see the company performing as well as possible .
admiral says its firstcarquote initiative is aimed at first - time drivers or car owners. photograph: image source / rex features
from humble beginnings in cardiff - admiral launched with just 57 staff members and no customers - to offices in seven countries and more than 7, 000 staff and four million customers, it' s fair to say admiral has changed over the years .
in the cgl policy, an “occurrence” includes the possibility that the cause of bodily injury or property damage may exist or continue for a period of time. does coverage cease for all subsequent cgl policies once the policyholder learns of the continuing injury or damage? the case of montrose chemical of california v admiral insurance company examined this question and the insurance services office, inc. , responded .
if you have more than one car, come to us direct as you won' t find admiral multicar on comparison sites .
thus admiral' s renewal quote of £257 was 60 per cent higher than last year, not 11 per cent as suggested .
admiral group plc is registered in england and wales at tŷ admiral, david street, cardiff. cf10 2eh (reg no: 03849958). eui limited (reg no: 02686904) is a subsidiary of admiral group plc and is authorised and regulated by the financial conduct authority (firm reference number: 309378). these details can be confirmed by visiting the financial services register, urltoken. eui limited acts for, and on behalf of, other regulated insurance companies. further details may be provided on request .
in 2005, the company formed berkley accident & health, berkley aviation, berkley net underwriters, berkley regional specialty insurance company, and watch hill fac management. the company also further expanded overseas operations by forming berkley insurance company hong kong reinsurance division, berkley international do brasil seguros s. a. , and w. r. berkley insurance (europe), limited, sucursal en espana .
at admiral, we look at factors such as your age, driving experience, driving record and the type of car you drive .
there are a number of insurance industry databases through which we share information with other companies about claims and known fraudsters. we also share some information about car insurance fraud with other companies within the financial industry, the police and other bodies where the law allows us to do so .
in 1985, carolina casualty insurance company was acquired, firemen’s habitational division was established to write coverages for high - end real estate in the northeast, facultative resources was formed to write casualty facultative reinsurance, and nautilus insurance company was formed to write smaller excess and surplus lines risks .
the great thing about admiral multicar is that it' s flexible, so the whole family can save. as long as the cars belong to immediate family members, they don' t even have to be registered to the same address. everyone can benefit with admiral multicar .
our understanding is that admiral will then ask users who sign up to answer questions which will be used to assess their eligibility .
our main aim is to ensure that our customers are back on the road as soon as possible. however, we know that insurance fraud is a reality and that a very small number of people provide false details in order to make up (or inflate) car insurance claims. we believe that it is important that we identify these people and avoid paying such claims because they affect the cost of motor insurance for everybody .
you must be named as a driver under section 5 of the car' s certificate of motor insurance, to be able to drive it .
when shopping around, the cheapest car insurance quote isn' t always the deciding factor. check out the other great aspects of our policies .
revenues passed the $ 1 billion mark in 1995 as the company continued to expand. presque isle, berkley surety group, and berkley insurance company of the carolinas were all established, as was vela insurance services, which writes contractor and liability coverage on an excess and surplus lines basis .
every car in the uk is placed in an insurance group ranging from 1 to 50, 1 being the cheaper end and 50 the highest with the likes of sports cars. but it’s not as simple as a cheap car = cheap insurance, the groups also take into account driving style .
in a planned trial, insurer admiral wanted new motorists' permission to look at their posts and likes to judge their safety as a driver .
whether you' re a homeowner or a tenant paying rent, you will still save money with multicover if you combine your car and home insurance .
engelhardt isn’t necessarily leaving the business stagnant, however. profits were up in 2015, he said, because admiral increased rates ‘ahead of the market’, and the company is looking for revenue growth abroad. turnover at admiral’s american, french, italian and spanish divisions increased 13% last year .
now imagine a private health insurer wanted access to the same kind of data admiral is seeking and docked its members points for writing about such snacks .
admiral' s plan was criticised by mr killock of the open rights group, which campaigns to protect the rights to privacy and free speech online .
admiral' s bow - tie sporting boss engelhardt - already well known in the staid world of insurance as a bit of a character - cemented that reputation today with the announcement of a parting gift to all his staff. he' s retiring in may and to mark the occasion he is giving all admiral staff with at least one year' s service a' personal gift' of £1, 000 (and £500 each to everyone else) .
we need to make sure that your car insurance policy covers the activities that you use your car for. there are five' classifications of use' :
please check section 5 of your current certificate of motor insurance to see if you have this cover. alternatively, you can call our customer services department .
berkley life sciences, berkley select and berkley re australia were all formed in 2007, and the american mining insurance company was acquired in the same year .
but on the day of the planned launch, facebook said that admiral would not be able to determine discounts on the basis of facebook posts and likes .
update: the outgoing ceo and founder leaves admiral in shipshape condition, and is giving a £1, 000 bonus to all staff, £7m in total .
on appeal, admiral apparently raised for the first time the argument that coverage was barred under the cgl as montrose chemical expected or intended the injury or damage. the appellate court, according to the california supreme court’s opinion, declined to address this argument and also remanded admiral’s defense of concealment of material facts .
through the early 1980s, the company continued to grow its regional, specialty and reinsurance businesses, and added an insurance service provider to its portfolio of companies .
you can add all of your cars to your multicover insurance and each driver builds up their own no claims bonus. with your car and home insurance combined, all of your cars and home will renew at the same time on the same date so you don' t have to worry about separate policies and renewal dates .
we know that for those with more than one car, their renewal dates are likely to be spread throughout the year which is why with admiral, you don' t have to insure them all at once. your multicar policy can start with one car and you can add the others when their insurance renewal comes up .
your current certificate of motor insurance allows for a maximum of 30 consecutive days in any one trip, and up to a maximum of 90 days in a year .
only if they are named on your certificate of motor insurance. you can easily add another driver to your policy permanently or temporarily. just complete this email form .
no, you won' t need to cancel your car and home insurance until they are due for renewal and then they' ll simply join your multicover policy .
welcome to admiral halifax! learn about our office, explore career opportunities and find out what makes us an award winning employer provincially and nationally. find out more .
an admiral spokesman said: “the launch of our firstcarquote trial has had to be delayed. we’ve been working closely with facebook in europe to get the service ready, and are now addressing a few outstanding issues. we hope that very soon we will be able to offer first - time drivers better deals on their car insurance. ”
“it’s clooney! it’s clooney! ” interrupts engelhardt, laughing at the story of his surreal week getting closer to celebrity status than most car insurance executives can ever hope .
a spokesman for admiral said, “the launch of our firstcarquote trial has had to be delayed. we’ve been working closely with facebook in europe to get the service ready, and are now addressing a few outstanding issues. we hope that very soon we will be able to offer first - time drivers better deals on their car insurance. ”
one of the most important tools we use to measure employee satisfaction is our anonymous annual staff survey, which collects views on what it is like to work for admiral .
if you want to drive in any country not in the list above, please call us and we may be able to issue you with a green card, which you' ll need to take together with your certificate of motor insurance. please note, the authorities in these countries will not accept photocopies of green cards as evidence of minimum insurance .
john cain, from the isle of man, was told his car insurance cost £231 last year, but when he checked his documents he found he' d paid £162 .
the trial. the trial court upheld admiral’s position. the justices agreed the cgl policy in effect at the time the progressive damage is first discovered is the only policy that is triggered. in other words, the trial court applied the “manifestation” trigger theory to the cgl policy. as respects the known loss or loss in progress, the trial court ruled that the admiral policy was not obligated to respond as, prior to the commencement of admiral’s policy, montrose knew its liability for bodily injury or property damage was likely .
engelhardt, stevens and a handful of other founders picked the name admiral to evoke a long - established pedigree, and get themselves to the top of the yellow page listings .
this best - seller from irmi gives you quick answers to questions involving unfamiliar insurance terminology. the definitions are written in plain english with a focus on practical application. learn more .
from humble beginnings, admiral grew rapidly. after floating in 2004, its turnover quadrupled by 2011 to over £2bn, but since then growth has been flat. largely, this is the result of the proliferation of what’s known in the insurance business as ‘direct personal line’ companies, such as esure, hastings and increasingly saga – the space is essentially more crowded .
an admiral engineer (or one appointed by us) will inspect your car and place a value on it. we obtain our valuation by researching market trends and car value guides .
admiral insists its documents comply with the city watchdog' s new rules and says it clearly warns customers that last year' s figure doesn' t take into account any discounts .
admiral says that firstcarquote offers a way for young drivers to identify themselves as safe rather than having to wait years while they build up a track record and a no claims bonus .
even though sarah’s car insurance isn’t due for another 3 months and their home for 5 months, dave gives us the heads up now and gets his discount on his car straight away .
one of our approved repairers will repair your car. our approved repairers are garages that have been appointed by admiral to provide the highest customer service and quality of repairs for our customers .
some say that the changing of the guard might coincide with tougher times for admiral, as premiums begin to rise and its price comparison website, confused. com, reaches saturation point .
in 1982, w. r. berkley corporation acquired firemen’s insurance company of washington, d. c. , and later the hard market in 1985 and 1986 provided several opportunities to expand .
from irmi to learn the top 20 ways to address basic directors and officers (d & o) coverage considerations, defense provisions, exclusions, excess coverage, and coordination with other insurance .
many insurance industry commentators reacted strongly to this california ruling. some viewed this ruling a violation of a fundamental principle of insurance: the principle of fortuity. yet, the legal arguments presented by admiral contended the prp served on montrose was evidence of a known loss, or at least a loss in progress. what appears to have been overlooked is that the cgl does not require payment of bodily injury or property damage claims if legal liability is likely; legal liability of an insured must be established. therefore, this claim was simply not a loss—either known or in progress .
whether you have one car or five, classic car or camper van, even teenagers looking to insure their first set of wheels, we can help. choose from multi‑car, single car or our black box insurance, littlebox. once you' ve figured out which car insurance policy is right for you and your family, you just need to decide which level of cover you need .
our make a claim page will show you the right number to call for your admiral policy. or you can call our claims department and we' ll send you a claim report form .
facebook will allow people to use their accounts to log in to the admiral app, and for verification purposes, but will not allow the insurer to view users' posts to work out discounts .
ased in south wales since its foundation in 1993, admiral has won a slew of best workplace awards and grown from zero to £5bn while avoiding the mis - selling scandals that have dogged many peers .
this is the most complete insurance you can buy; it includes third party, fire & theft and will pay out to repair or replace your car if it’s damaged in an accident or suffers malicious damage .
in 2016, the company announced its entry into the high net worth personal lines market with berkley one. it also formed berkley insurance asia, berkley transactional, berkley cyber risk solutions and intrepid direct. .
under the plan, a car insurance quote would have been offered, taking into account the type of car being driven, where the applicant lives, their age and what the car is being used for .
ay - to - day business brings 7, 000 staff to admiral’s hq in cardiff, offices in swansea and newport and satellites in europe and india. engelhardt’s desk, ringed by artificial hedges, is the closest the firm comes to a closed office. a lego portrait of him and stevens is waiting to go up on the wall, alongside snaps of the welsh rugby team, which admiral now sponsors .
following the assessment, the personality test could lead to a discount of between 5% and 15% , admiral said. the company added that nobody would be given a more expensive quote after the test .
following discussions with facebook the product is launching with reduced functionality, allowing first time drivers to login using facebook and share some information to secure a faster, simpler and discounted quote ,
admiral said .
2009 saw the creation of admiral professional programs, berkley agribusiness risk specialists, gemini transportation underwriters, w. r. berkley syndicate 1967 at lloyds, berkley north pacific group and berkley oil & gas specialty services .
the scheme is based around algorithms that have been developed by admiral. the technology uses social data to make a personality assessment and then, judging against real claims data, analyse the risk of insuring the driver .
the announcement of the firstcarquote program at the admiral website notes the connection between personality type and driver risk, and states that their ‘clever technology’ will allow them to predict who is likely to be a safe driver .
you’ve probably heard of admiral. we’re a household name and the only ftse 100 company in wales. one of the uk’s top three car insurers and voted the 3rd best big company to work for in 2018, the admiral group insures over 5 million customers, has 14 brands and employs more than 10, 000 people across eight countries. that said, we’ve kept the bulk of our operation in the country it all started in, wales, with impressive offices in swansea, cardiff and newport. but we have ambitious plans for the future. so we are always looking for talented people to join our admiral family and help us achieve our goals .
admiral found itself back peddling furiously last week. in less than 24 hours it went from new product publicity to being shouted down by facebook and saddled with an app now promising ‘reduced functionality’. so what went wrong ?
after completing their studies, they went their separate ways into churchill insurance and consultancy at mckinsey respectively. a lloyd’s broker brought them back together to set up a new car insurer, which they chose to base in cardiff .
we' re always keen to hear from talented, professional and ambitious people. if you' d like to become part of the admiral team, please search our current job vacancies to find the right position for you .
international travel is only valid for the above named countries. you don' t need to call us if you are taking your car to any of these countries, but you do need to take your certificate of motor insurance .
admiral floated in 2004, with a value of £776m and a windfall of roughly £37, 000 each for hundreds of members of staff. engelhardt still owns more than 11pc of the company, while stevens holds 3. 4pc .
the firm was taken over by the private equity arm of barclays in 1999, after its new bermudan insurer owners “opened a drawer and found admiral selling car insurance in cardiff. this was a point when the market was terrible and getting worse, and they just said ‘get rid of them’. we were out on the street, we didn’t have many choices, the market was terrible, and in stepped private equity and paved the way, ” says engelhardt .
if your circumstances change, please let us know straightaway. changes we don' t know about could invalidate your insurance. if you' re not sure whether you need to tell us about a change. please contact us here .
regional operations expanded in 1986 with the acquisition of continental western insurance company, and clermont specialty managers was formed from the firemen’s habitational division. the company also entered the risk management and administration services sector by forming berkley risk administrators company .
but just when things were beginning to look slightly awkward for admiral, the situation took a turn for the worse when facebook stepped in. the social media platform declared it would not allow the insurer to use its users’ data in this way, since to do so would be in breach of its privacy rules. what was obviously designed to be a brand - building exercise for admiral had rapidly turned into a platform for facebook to bolster its customer privacy credentials .
supreme court of california. at admiral’s request, the supreme court of california granted review of the california court of appeals' decision. taking pains to distinguish third - party from first - party insurance, the supreme court provided a detailed review of the other “trigger” theories. in concluding that the “manifestation” trigger would convert an occurrence - based cgl policy into a claims - made cgl policy, the unanimous court found the “continuous trigger” theory best matched the cgl policy wording .
one of the uk’s top three car insurance companies and officially one of the nation’s very best companies to work for. but how did we get where we are today? what are we all about? and what exactly do we do ?
any one of our staff members will tell you no two days are alike - whether it' s talking to an interesting customer or taking part in a lunchtime table - tennis tournament - life as an admiral employee is rarely dull .
people who like what they do, do it better! our simple philosophy runs throughout the admiral group and ensures our employees are happy, stay with us, and in turn give their best both to the company and to our customers. our working culture is made up of four pillars: communication, equality, reward & recognition, and fun. admiral’s phenomenal growth and multiple awards for best business to work for prove that our people - centric approach really works !
whenever you buy an insurance policy, we take steps to ensure we know the cover we are providing is right for you so we can support you when you need us, for example, if you have to make a claim and to combat any fraudulent activity. to do this, we may contact you to validate some of your details at any time after you have bought your insurance, and we hope that you' ll be able to help us resolve any enquiries quickly .
dave is looking for a great deal on his car insurance. if he switches to a multicover policy he can combine his cover with his girlfriend, sarah' s, car as well as their home on one policy for a multicover discount .
borenstein insisted that admiral would not have access to information about what its customers look at on facebook or what their friends do. the company would only have access to the information gathered during the quote process and would have no ongoing access .
we can cover you if your car is registered in the uk. if you are buying your car outside the uk and require cover to return home, insurance will need to be arranged in the country of purchase. this is an eu requirement .
an interesting concurring opinion was entered by justice baxter, who agreed that the statutory “loss - in - progress” rule did not eliminate admiral’s duty to defend montrose. however, justice baxter expressed concern that the application of the court’s theory may allow the purchase of liability insurance for a completed tort up to the moment a final judgment is imposed. instead, he concluded that it is the event or events (the occurrence) that must remain contingent or unknown, not the actual liability arising from those events
“you were being filmed on the tgv and someone said to us, who is it, who is it? ” says david stevens, who was engelhardt’s second hire at admiral and who will in a few weeks fill his shoes as chief executive .
under the planned trial, thought to be the first of its kind in the uk, admiral was planning to offer a
first car quote
to young motorists - specially aimed at 17 to 21 - year - olds - via an app .
you may know us as a car & home insurer but we offer a lot more. through third parties we can arrange cover for your holiday and even your pet. admiral is there to make sure you' re covered every step of the way .
for more than 20 years we' ve been insuring britain' s motorists. whether it' s a regular single - car policy, multi - car or classic car cover we have spent more than two decades making sure we know car insurance inside and out .
now, drivers will be able to log onto the admiral app via facebook, as is the case with many other apps, before answering questions from the insurer - all of which could still lead to a discount, but not owing to their facebook profile .
that clever technology means taking a snapshot of an applicant’s facebook page and using it to determine whether they display the personality traits associated with safe drivers. should a person show the correct personality indicators, they could receive a discount on insurance premiums of 5 - 15% .
admiral’s experience is a timely reminder that this issue is still not high enough on the board agenda, even in consumer - facing companies. in fact, in many cases, the consumer and the issue of trust is barely on the agenda at all. of the metrics which are prized as measurements of success, consumer insight is missing all too often. of course, on this occasion it wasn’t just a consumer outcry which stymied admiral’s plans, but my view is it’s only a matter of time before this becomes the case .
then contact our personal claims advisors who will take the details from you. after this, a number of insurance industry database checks are carried out - these are designed to protect our customers from fraud. a claims assessor may also be appointed to discuss the claim with you .
the california supreme court addressed two issues in this now infamous ruling. the first issue was the coverage trigger to apply to the cgl. the second issue was whether montrose was barred from coverage based on california insurance regulations codifying the “known loss” or “loss - in - progress” doctrine .
the subscribing insurers' obligations under the contracts of insurance to which they subscribe are several and not joint and are solely limited to the extent of their individual subscriptions. the subscribing insurers are not responsible for the subscribing insurer who for any reason does not satisfy all or part of their obligations .
“i think everybody’s out to eat our lunch, ” adds engelhardt. “when they were talking about their floats, they said they want to be the next admiral. that’s great, very nice, imitation is the finest form of flattery, but it does mean for a very competitive world out there .
what’s clear is that admiral, and many companies like it, still do not ‘get’ data privacy. despite considerable evidence to the contrary, businesses continue to behave as though this is not a serious issue. in admiral’s case, it looked very much like the insurer had not properly read, let alone thoughtfully considered, facebook’s privacy stipulations. they also seem to have forgotten that trust needs to be based on transparency and customers are becoming increasingly cynical. being called out on your attitude to safeguarding your customers’ data by another business is not just embarrassing, it also betrays a real disregard for the issue .
it’s a generous gesture which is sure to be appreciated by admiral' s workforce, and it will cost him no less than £7m to boot. he' s also leaving the insurer - which recently posted a 6% rise in pre - tax profits to £377m for 2015 - in rude good health .
but engelhardt again leaves admiral in good hands. replacing him is david stevens, the current coo and the second person he ever hired at the company. not only have they been working closely together for decades - ‘one of the keys to the success of our partnership has been to make arguing an art. the next time david and i agree on something i suspect will be the first time. i jest. sometimes we did agree. i remember once back in 1996... ’ –but also engelhardt is staying on part time to oversee admiral’s price comparison business. hard to get a smoother transition than that .
in 2007, w. r. berkley corporation was named best managed insurance company by forbes magazine and set a new record during our 40th anniversary year by earning $ 744 million. total assets surpassed $ 16. 8 billion, total revenues exceeded $ 5. 5 billion and net worth reached $ 3. 7 billion .
when henry engelhardt said he was giving £1, 000 to every employee at admiral to celebrate his own departure, staff in cardiff gave him a standing ovation. in rome, employees making a thank - you video for him were so loud that executives on another floor started checking their phones for reports of an earthquake .
this step - by - step guide is not a textbook but is the perfect resource if you lead a small business, nonprofit, government entity, or political subdivision and do not have risk management expertise or staff. everything is included to help you work alongside your insurance agent to protect and preserve your organization. learn more .
judge baxter went on to say he did agree that the “loss - in - progress” rule did not preclude liability coverage for future or unknown harm, even if the insured knew that some harm may already have arisen. in the montrose claim, any new harm that may have continued into the admiral policy period was insurable .
according to the admiral website, the program was meant to be up and running today, but the firstcarquote site says that there is a delay, which some have attributed to facebook blocking the app, either due to customer privacy concerns or because they are reviewing to determine whether the app violates the platform policy on data usage .
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your policy covers you as described in your current certificate of motor insurance for events occurring in: great britain, northern ireland, the isle of man and channel islands, any other country which is a member of the european union, norway, switzerland, iceland and croatia. the car is also covered while being transported by air, sea or rail between these countries .
in their january 1999 circular, insurance services office, inc. (iso), announced that the montrose case, along with other court decisions, rendered the known loss rule inapplicable to the cgl. it was iso’s position that insurance was not intended to apply to liability arising out of any injury or damage that was known to have occurred prior to a policy’s effective date. apparently, the likelihood of an insured’s liability for such continuing known injury or damage was not to be considered. cgl coverage was not to apply (even for defense), despite the fact that the insured may have no liability and therefore no cgl loss. thus, the known loss or loss - in - progress rule was transformed to a known injury or damage rule .
the software, and the media splash which accompanied its announcement, was obviously trying to position admiral as an insurer moving with the times to offer the sensible drivers among us a better deal. when initial concerns were raised about privacy the business responded with assurances that the scheme would be opt - in, and promises that data mining from facebook would never result in a raised premium .
known loss or loss - in - progress. although montrose knew of the potentially responsible party letter prior to the admiral policy, the court ruled that the letter did no more than put montrose on notice of the government’s position and begin the government’s proceedings that could result in liability. but the prp letter did not, in itself, create liability. montrose was ruled to have defense coverage under its cgl policies .
the initiative is called firstcarquote and was officially meant to launch this week but that was delayed at the last minute on tuesday night. it is aimed at first - time drivers or owners – although anyone with a licence can apply. the scheme is voluntary, and will only offer discounts rather than price increases, which could be worth up to £350 a year. however, admiral has not ruled out expanding firstcarquote .
there is an ethical question here, of course, and it’s an important one. but privacy is also a commercial issue, and being seen to understand and respect it has tangible benefits – not least from a marketing and brand - building perspective. facebook was quick to take advantage of admiral’s mistake, using the situation to make its own statement about the ethical use of data, and canny businesses will do the same .
admiral intends to examine facebook data including likes and posts for safe driver indicators: writing in short, concrete sentences and making concrete plans with friends using specific times and dates, rather than just ‘tonight’, for example, can show that a person is conscientious and well - organized, as can the use of lists. these traits are associated with safer drivers, who are less likely to file a claim with the company.
admiral , a trading name of eui limited , is a car insurance specialist founded in january 1993 . its head offices are in tŷ admiral ( english : admiral house ) , cardiff , wales . it also has offices in swansea , newport , halifax ( canada ) and india . admiral is a subsidiary of the admiral group along with its sister companies elephant.co.uk , diamond insurance and bell insurance . admiral is a member of the w. r. berkley corporation . 
admiral, a trading name of eui limited, is a car insurance specialist founded in january 1993. its head offices are in tŷ admiral (english: admiral house), cardiff, wales. it also has offices in swansea, newport, halifax (canada) and india. admiral is a subsidiary of the admiral group along with its sister companies elephant.co.uk, diamond insurance and bell insurance. admiral is a member of the w. r. berkley corporation.
admiral, a trading name of eui limited, is a car insurance specialist founded in january 1993. its head offices are in tŷ admiral (english: admiral house), cardiff, wales. it also has offices in swansea, newport, halifax (canada) and india. admiral is a subsidiary of the admiral group along with its sister companies elephant.co.uk, diamond insurance and bell insurance. admiral is a member of the w. r. berkley corporation.