Are Admiral charging foreigners more for motor insurance?

17 March 2010


Which! (we prefer the exclamation mark to the question mark – makes them sound more dynamic, like Wham!) have made a pretty serious allegation against Admiral Insurance.

They have claimed that Admiral, who include Bell, Diamond and as part of their group of insurers, are charging more to drivers who were born outside of the UK.

Which! claim that this is in breach of the Race Relations Act but the claim has been rejected by Admiral, who when we rang them, were playing a tape of ‘Ebony And Ivory’ while we were on hold. No, not really.

As part of their investigation, Which! obtained quotes from four Admiral brands and 15 other major providers for two scenarios where the only difference was whether or not the applicant was born in the UK. It said the Admiral insurers were the only ones in its research to ask "have you lived in the UK since birth?" and then charge a higher premium for those who answered "no" where all other factors remained the same. Wowsers!

Admiral had declined to comment last night but it is believed that they have stated in the past that some of their best friends are black and even gay in a couple of cases.

Again, no, not really.

TOPICS:   Insurance


  • Klingelton
    the bastards
  • The B.
    Surely, the prices are set by varying factors such as postcode (theft and damage is higher in some areas), sex (women are better drivers than men (on paper anyway)) and presumably race, if non UK drivers crash more then that's a reason to charge them higher premiums isn't it? Surely if the same rings true across the board you could claim discrimination based on sex or postcode (Sheilas wheels and Diamond would be getting crucified otherwise wouldn't they?)
  • Andy B.
    Is this to account for the higher number of fraudulent claims from the (mostly asian) foreign/2nd gen foreign community? It's on the national syllabus in madrases, along with how to play the race card, and how to have whiny annoying accent.
  • Stevie
    Charge them double i say
  • james d.
    ye I have always been confused why it is ok to discrimate against age and sex as well as occupation on insurance, but not other factors.
  • Steve B.
    @The Real Bob - or more realistically, that those who are temporarily resident are more able to do a runner and/or have a less sound credit record. I am English but born overseas, and this really does my nut.
  • Axeman
    Good. Im sure it's still nothing on what I pay in Northern Ireland.
  • Andy B.
    @Axeman, Is that any surprise?
  • james d.
    good comeback XBOXKILLER however Andy B your comment would have been better received had you left out the second paragraphs.
  • Mike U.
    Andy B, while I hate to admit it you are indeed correct, was not the cash 4 claims goings on in Bradford not recently mentioned as being the reason why everyones insurance premiums were increasing The truth is out there, it just takes someone wiht brass balls to say it!!
  • Tim
    Of course, if you've lived abroad, you're also possibly going to be used to traffic driving on the wrong side of the road. This could arguably make you more of a risk.
  • Stuart R.
    Insurance is such a superficial guessing game base on risk. These risks are calculated through statistics and prejudice. I think Andy B missed the point of the article in the sense that 2nd Gen foreign nationals would actually qualify for lower rates than their parents because the chances are that they were born in the country. Insurers should also start hiking up premiums for right-wing benefit loving, asbo winning chavs too. Perhaps then Nick Grif-, I mean, Andy B might have cause for concern.
  • goon
    andy b i unfortunatly correct i know many asians who do this up north e.g just like its most white chavs scamming the dole or gypsys robbing people with tarmac scams or nigerians doing online scams npt racist. just the way it is
  • Jizzlingtons
    The real question is why are Which! bothering to investigate this? Presumably they are just trying to stir up trouble. All insurance companies could be accused of being discriminatory, but for some reson being racist is a lot worse that being sexist, ageist, occupationist etc. Also BW, didn't you say the question they asked was “have you lived in the UK since birth?” - that's not the same as asking if they were born in the UK!
  • Mick T.
    "Insurance companies in screwing people over non-shocker" If they can prove that statistically drivers that have not lived in UK since birth are a higher insurance risk then there is no discrimination, however it's curious that only the Admiral group do this and not the others, it's not like insurance companies to miss out on a good reason to charge you more.
  • Fella-Tio
    @ Andy B... well said, though 2nd paragraph is out of order
  • jimmy_jock
    @Andy B you stupid paranoid moron its not the asians who are selling cars to the terrorists to bomb you lot get a job and go relieve yourself many thanks for reading
  • Axeman
    @Andy B Perhaps N.I. suffers high rates based on the 1970s troubles...current crime rates here are some of the lowest in the UK. It's unfair.
  • N.I. I.
    The Reason behind us paying more in N.I is due to our own bloomin law. When you raise a claim which may go to court the large firms employ there're own legal branch to fight on your/there're behalf. Since English Law is not applicable in N.I the large firms have too "farm out" for someone too fight the case. All the N.I lawyers got together and charge these firms large amounts of money to represent them/us in court. Hence why our Premiums are higher. Blame the greedy Lawyers!!!
  • Scott
    I found this to be true when i was looking for car insurance last year. It worked out that because I was born in Australia (and moved to Britain 18 months later) it would be about £50 more expensive each year.
  • Steve B.
    @Tim. Yes mate - great logic. This list of countries who also drive on the left really helps nail that theory: Anguilla, Antigua and Barbuda, Australia, Bahamas, Bangladesh, Barbados, Bermuda, Bhutan, Botswana, Brunei, Cayman Islands, Christmas Island (Australia), Cocos (Keeling) Islands (Australia), Cook Islands, Cyprus, Dominica, East Timor, Falkland Islands, Fiji, Grenada, Guernsey (ChanneIslands), Guyana, Hong Kong, India, Indonesia, Ireland, Isle of Man, Jamaica, Japan, Jersey (ChanneIslands), Kenya, Kiribati, Lesotho, Macau, Malawi, Malaysia, Maldives, Malta, Mauritius, Montserrat, Mozambique, Namibia, Nauru, Nepal, New Zealand, Niue, Norfolk Island (Australia), Pakistan, Papua New Guinea, Pitcairn Islands (Britain), Saint Helena, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Seychelles, Singapore, Solomon Islands, South Africa, Sri Lanka, Suriname, Swaziland, Tanzania, Thailand, Tokelau (New Zealand), Tonga, Trinidad and Tobago, Turks and Caicos Islands, Tuvalu, Uganda, United Kingdom, Virgin Islands (British), Virgin Islands (US), Zambia, Zimbabwe,
  • F. F.
    @Steve Blag Looks like more countries drive on the right according to this reliable sauce...
  • Axeman
    @N.I. Insurer Cheers for the info. Now I hate lawyers lol
  • Al
    Loving the Which! rebrand - were you Bitterwallet guys behind Yahoo!'s exclamation mark too? Sue Decker wants you to know that Yahoo! is the only Fortune 500 company with an exclamation point in its name. "It's an incredible, exciting opportunity to work at Yahoo!, in the things that we're doing, the way we're changing lives - living life with an exclamation point," the Yahoo! president tells Yahoo!'s very own TechTicker webcast. "We're the only Fortune 500 company with an exclamation point in our name, and I think everyone comes to work kinda charged up to prove that."
  • Are O.
    [...] of their group of insurers, are charging more to drivers who were born outside of the UK….. Read More [...]
  • CanMeeK
    Edit to previous post: They are essentially asking “How much of your driving experience is based in the country we are insuring you to drive in?”.

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