God Damn Tea Leaves (Insurance Rant)
Discussion
Time of the yr again,
looking forward to a nice cheap renewel,
was all on track down from £2k to £1500. all going fine..
Then someone convinces me to get a Mark Adams chip, so, I call them and ask, How much will you sting me for this chip..... £65 they say..
Hmm says me, sounds reasonable, BUT, how much come renewel, oh she says £65 should be the same them, its a one off fee...
Hmm says me, Ok..
Now, insurance renewel comes thru £1900...
WHY? cos they loaded it £400 for the Chip...
Call and rant and rave at em, explain how EVEN with the chip, cars not making anywhere near TVR's figures.. so, how can they class it as a BHP increase when its not increassed over 'stock'
Their response.. fine.. we will remove the chip off the policy as your car doesnt make more power then stock,
HOWEVER, IF you claim, and we discover the car has been modified in such a way as to make even 0.1% more power then WITHOUT the mod, you will be in the shit.
Hmm, Say I, what about if i replace my air filter with a new one, that will increase power...
Guy mumbled about being sorry, but that was what he been told!
GRR..
SO, I call around..
NOWHERE wants me,
23, owned car a yr, 3yrs ncb, no claims, only 3 pts from 2 yrs back!! excellent area..
Mannings said 'come back in 2 yrs, and its £700' for now, sorry..
privaledge, liverpool vict, sorry, your too young for such a powerful car..
Looks like I am gonna have to pay Tescos the theives
Annoyed is not the word.
looking forward to a nice cheap renewel,
was all on track down from £2k to £1500. all going fine..
Then someone convinces me to get a Mark Adams chip, so, I call them and ask, How much will you sting me for this chip..... £65 they say..
Hmm says me, sounds reasonable, BUT, how much come renewel, oh she says £65 should be the same them, its a one off fee...
Hmm says me, Ok..
Now, insurance renewel comes thru £1900...
WHY? cos they loaded it £400 for the Chip...
Call and rant and rave at em, explain how EVEN with the chip, cars not making anywhere near TVR's figures.. so, how can they class it as a BHP increase when its not increassed over 'stock'
Their response.. fine.. we will remove the chip off the policy as your car doesnt make more power then stock,
HOWEVER, IF you claim, and we discover the car has been modified in such a way as to make even 0.1% more power then WITHOUT the mod, you will be in the shit.
Hmm, Say I, what about if i replace my air filter with a new one, that will increase power...
Guy mumbled about being sorry, but that was what he been told!
GRR..
SO, I call around..
NOWHERE wants me,
23, owned car a yr, 3yrs ncb, no claims, only 3 pts from 2 yrs back!! excellent area..
Mannings said 'come back in 2 yrs, and its £700' for now, sorry..
privaledge, liverpool vict, sorry, your too young for such a powerful car.. Looks like I am gonna have to pay Tescos the theives
Annoyed is not the word.
hmm,
7 years of claim free motoring not enough for you ?
I actually took a step down in powert for the TVR..
but I do take your point...
I wouldnt write off anyone who had the credentials to back up their car...
IE Claim Free Motoring, no silly points for drink / drugs, and some ncb.
i know sensible 18 yr olds and mental 40 yr olds, the world spins in different ways...
on the whole, I would agree that the younger generation are more of a risk, I would say the only higher risk grp are the 40 summins on bikes...
but i digress..
my age shouldnt matter, what should matter are my 7 years of driving, 5 of which in super cars / bikes, with 0 claims..
I was told quite categorically, were I 18 mths older, my premium would be £700 instead of £1800
thats almost £100 a month discount.
Thats what I am objecting too... but I realise that companies need policies
7 years of claim free motoring not enough for you ?
I actually took a step down in powert for the TVR..
but I do take your point...
I wouldnt write off anyone who had the credentials to back up their car...
IE Claim Free Motoring, no silly points for drink / drugs, and some ncb.
i know sensible 18 yr olds and mental 40 yr olds, the world spins in different ways...
on the whole, I would agree that the younger generation are more of a risk, I would say the only higher risk grp are the 40 summins on bikes...
but i digress..
my age shouldnt matter, what should matter are my 7 years of driving, 5 of which in super cars / bikes, with 0 claims..
I was told quite categorically, were I 18 mths older, my premium would be £700 instead of £1800
thats almost £100 a month discount.
Thats what I am objecting too... but I realise that companies need policies
Weird
Tesco / Direct Line / Priviledge are all the same comapny behind the scenes
Priv refused to quote as i was under 25, even tho they insured me on my 98 GTO Twin Turbo :/
I said i was thinking of calling direct line, and she said dont bother, their even stricter than us,
tesco is the only one who 'takes the risks' as she put it :/
will try em tomorrow anyway.
Tesco / Direct Line / Priviledge are all the same comapny behind the scenes
Priv refused to quote as i was under 25, even tho they insured me on my 98 GTO Twin Turbo :/
I said i was thinking of calling direct line, and she said dont bother, their even stricter than us,
tesco is the only one who 'takes the risks' as she put it :/
will try em tomorrow anyway.
Well, Update
I called back today to get a courtesy car insured, (mines off to have some work done by our very own 2sheds)
Get the Volvo S60 added, and they chap says
WOW, a TVR.. they fckin rock..
OOPS
SORRY Sir,
I mean thats a great car...
He then tells me that my insurance is up for renewel, and would i want to do it now...
No, i say, and explain why..l
OH he says... one moment,,
right sir, the renewel will be £1500..
erm, what, i say, that doesnt include the chip does it,
it does now he says
i asked him to confirm back that it did,
he agreed it did,.
said he applied the max discount allowable..
tops..
Sorted now. excelletn chap, fired off a nice email to tesco praising his customer service skills (at his request)
I called back today to get a courtesy car insured, (mines off to have some work done by our very own 2sheds)
Get the Volvo S60 added, and they chap says
WOW, a TVR.. they fckin rock..
OOPS
SORRY Sir,
I mean thats a great car...
He then tells me that my insurance is up for renewel, and would i want to do it now...
No, i say, and explain why..l
OH he says... one moment,,
right sir, the renewel will be £1500..
erm, what, i say, that doesnt include the chip does it,
it does now he says
i asked him to confirm back that it did,
he agreed it did,.
said he applied the max discount allowable..
tops.. Sorted now. excelletn chap, fired off a nice email to tesco praising his customer service skills (at his request)
erm, i posted somewhere in this thread
iirc 252bhp 250 ft/lbs
to 253bhp 272 ft/lns
www.pistonheads.com/gassing/topic.asp?f=8&h=&t=20340
>> Edited by JamieBeeston on Wednesday 20th November 18:37
iirc 252bhp 250 ft/lbs
to 253bhp 272 ft/lns
www.pistonheads.com/gassing/topic.asp?f=8&h=&t=20340
>> Edited by JamieBeeston on Wednesday 20th November 18:37
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