3 minutes ago, alexp999 said:

You need to be clear if it is 30% tint, or 30% light.

Cars front glass has to allow 70% light through, therefore it is a 30% tint.

So privacy glass, is more than 30% tint, less than 70% light pass.

I would expect insurance to want to know the tint %, not the light %, but you'd need to clarify with them

Yeah something I need to clarify with them. I'm in a bit of a weird position now where I don't want to do anything until they respond to my complaint. To be clear I think it's 20% light transmission so 80% tint. From googling 30% looks too light for what it is, but every photo looks different because it's virtually impossible to know for sure without testing it and I don't have a tester

Update: just phoned them again to let them know they're most likely 20% tint. Got through to a UK call center this time and the bloke said that as of literally yesterday Admiral have changed their policy: optional extras no longer need to be declared and are covered as standard.

It would seem they changed their web form a few days before they updated their call center scripts. The person I spoke to before was wrong. He's reversed the changes and refunded the extra they charged me for them.

'The Ryanair of insurers' indeed 🤷‍♂️

Declaring all options was a stupid policy to begin with.

If you buy a car second hand which most people do, how are you supposed to know what was standard and what was optioned.

5 minutes ago, alexp999 said:

Declaring all options was a stupid policy to begin with.

If you buy a car second hand which most people do, how are you supposed to know what was standard and what was optioned.

My thoughts exactly. When I spoke to the person that told me I needed to declare them, she told me that all cars come with a document telling you what options are fitted. And she said that if I made a claim they'd ask for proof that the declared items were factory optional extras 😂.

It's completely daft, if you buy an older used car as the 5th owner for example how on earth can they expect you to know whether you have factory rear tints or whether one of the previous 4 owners had them done aftermarket? Madness

5 minutes ago, jr795 said:

My thoughts exactly. When I spoke to the person that told me I needed to declare them, she told me that all cars come with a document telling you what options are fitted. And she said that if I made a claim they'd ask for proof that the declared items were factory optional extras 😂.

It's completely daft, if you buy an older used car as the 5th owner for example how on earth can they expect you to know whether you have factory rear tints or whether one of the previous 4 owners had them done aftermarket? Madness

It's not just what other owners have done, it's what was standard and optional at the time. Manufacturers fiddle with their spec multiple times a year. What might have been an option at the time your car was built, could become standard a month later and vice versa on things being made optional that were previously standard. Admiral were just looking for any excuse to charge you more at the start or not pay out on something.