Scared of being scammed - phone no for admiral insurance

[KatyMac]

I was hit in my car yesterday and the other car was liable

He has said his insurance will be in touch

I have had multiple calls marked suspected scam from a number and I answered once, they said they were admiral and said I was at work and to call back this morning

I have now had about 12 calls from this number

I need a number for admiral and im struggling to find one on their webpage - can anyone help?

tel:+443332225783 0333 222 5783

Third Party Claims - Admiral

That's from their third party claims web page.

I don't think any scammer would keep ringing the same person 12 times in short succession? I'd answer it and check they give you the contact details that correspond with what it says here.

What's the harm in calling the number back? If it turns out to not be genuine you can hang up

Obvious question - was the other driver insured by Admiral?

Quite often these calls are from third parties who try to get you to hire a car from them which they then claim back from the party liable. Speak to your own insurer.

Why are you not speaking to your own insurer? They're there to sort things out, that's what you pay insurance for (always assuming you have insurance)

Speak to your own insurers and leave it to them.

Don't engage with these calls, just deal with your own insurer.

This. You don’t need to speak to the other insurer, you pay your insurance company to do that for you. Don’t overthink this.

You don't need to and shouldn't speak to his insurers. Deal through your own.

Answer the call, to make it stop, but tell them they need to contact your insurers, whose details they will already have.

It's perfectly fine to deal with the 3rd party insurer. Just make sure you have advised your own insurer of the claim, and as you are doing, ensure you are speaking with the correct company - not an accident claims management company.

I got a far better offer from the third party insurer when my DH was hit from behind in my car and it was written off. They paid out on everything without quibbling like brand new child car seats when I didn't have the original receipts(, they just accepted photos of them in my car), provided the hire car, paid for his minor injury claim and expenses, and they valued the car as more than I'd paid for it.

Dealing directly with them saved them money, so effectively some of that came my way.

No excess to pay either. I know I could have eventually got it back as it was no-fault, but it saved me from being out of pocket in the meantime.

I had scam callers within days of my accident and they knew all sorts of info - including my registration number - which made the scam believable. Alarm bells only started to ring when they asked me to set up a password at which point I smelled a rat and they got very aggressive. For this reason I would only deal with your insurer. The scammers have all sorts of tricks and if you are unable to verify who they are. Don’t engage.

How do you know you got a better offer dealing directly then your insurer would have got though? If they pay out without receipts for car seats etc surely this would just be the same as if your insurer dealt with them? I can’t work out how they saved money by talking to you either. I have used my insurer to deal with all of that because I paid a premium every month for them to do just that.

Would a genuine insurance company phone over and over again? I doubt it very much. OP is right to be suspicious and avoid talking to them.

They save money as they manage their costs using their own preferred garages, hire car companies etc with rates they negotiated at a discount, rather than the full commercial rate plus the other insurer's admin costs added on - which will also be charged at a higher rate than they cost using their own staff.

I'd checked the market value for my car while it was being assessed, and unsurprisingly it had depreciated in the 2 years since I'd bought it at market value.

I accepted their offer as it was about 20% more than I'd paid for it a couple of years earlier. I can't know how much my insurer's would have offered, true, but I highly doubt it would have been higher than the market value.

I have no idea who is calling, but of course it is possible that it's the insurer. It's equally possible that it's an accident claims management company that she is wise to avoid at all costs.

OP intends to call them on the genuine number, so she'll probably find out if the calls stop once she's been in touch.

Personally I would have answered the call and determined who they are to tell them I'm not interested. If a claims company, they will possibly keep calling until she answers as they are very persistent!

Just call Admiral

Look at your policy documents and call the number on there. Speak to your own insurance

Thanks @stackhead i started there got access to a bit and got a number

I have register the accident with my insurers and they were careful not to say go with the third party but that when they did third party claims it was often a bit cheaper for the insurance company and no negociation/extra work

I have legal cover in case it goes wrong as third party like this isnt covered by the ombudsman - which both insurance companies were careful to tell me

Thanks all, Admiral confirmed that only 2 calls - one last night and one this morning were actually from them and we have referred the number i was rung on as it may have been cloned

^This. And they don’t always make it clear who they are so be very careful.

It is cheaper for the insurers if you go with their third party claims, but do some good double checking before accepting a settlement because like you said there's no route to FOS or complaint rights if you go that way.

You absolutely don't have to, you can use your own insurer. Make sure you weigh up the pros and cons (the pro being that its usually quicker to go through the other insurer).