Have you been told "no thanks" by an insurance company?

[munter]

I've been hunting the usual suspects for insurance today. And had a bit of a shock when I tried to get a quote from Direct Line. We went though the usual questions and then they asked me:

Girl who thought brake pads were an engine mod: "why have you made the modifications to your car"
Me: "Because I might do the occasional track day:
Girl: "sorry sir if you do track days we're unable to cover you".
Me: "But your not covering me on trackdays just the usual road driving"
Girl: "doesnt matter."

Does this kind of thing happen to other people?

Ah well, I guess they just dont like my money....

[bint]

Would you really want to entrust your car to a monkey company like that?

If it's Jap (actually sod it try them anyway even if it's not) then try Sky Insurance - HIGHLY recommended.

[bigdods]

From Tesco - and I quote here:

Me: ' Its a TVR Chimaera'
Tesco tt: ' Which one of those is the manufacturer'
Me: ' TVR '
Tesco Twat: ' They dont make cars, they arent on our database and Ive never heard of them'

Give me strength....

[UncleDave]

bigdods said:

Tesco Twat: ' They dont make cars, they arent on our database and Ive never heard of them'

[gorvid]

bigdods said:

From Tesco - and I quote here:

Me: ' Its a TVR Chimaera'
Tesco tt: ' Which one of those is the manufacturer'
Me: ' TVR '
Tesco Twat: ' They dont make cars, they arent on our database and Ive never heard of them'

Give me strength....

They are listed on the Tesco website...[TVR's]

[hazzaboy69]

Ive been refused but that was trying to get insured on a mk2 golf gti just after passing my test. Why does insurance have to be so crippling.

[ehyouwhat]

When I sold my MINI and bought an E36 M3.

Tesco: "No, we can't cover you for that vehicle"
Me: "Oh. Well I've already bought the car"
Tesco: "Alright then, we'll do it for £4,000 a year"
Me: "Ok. Bye"

Co-op were happy to do it for £1,800, and even covered me 3rd party on other cars too.

Edited by ehyouwhat on Tuesday 10th October 19:13

[tomtom]

All the time trying to get quotes for the Elise

[jwb]

Quite a few companies laughed when I tried to insure my V8 Reliant Kitten at the age of 21. I also recently had problems insuring my latest 2 litre Morris Minor but when I insured my first at the age of 18 it was no problem.

JB

[jamieboy]

I tried to get my RZ insured with Chris Knott, but went through the same farce of "they didn't make one called RZ, are you sure it's not a 145 RZ or something?". I know it's an unusual model, but Chris Knott are the insurance partner of the Alfa Owner's club...


edit to add disclaimer - this was a few years ago and I'm told they're better now.

Edited by jamieboy on Tuesday 10th October 19:21

[Matt1986]

anybody who has been 18 and male at the same time will have been refused by every other company in the back of exchange and mart. its nice being just a little bit older and having a "sensible" diesle. for a bigger more powerful car in a higher risk area i am paying £300 less fully comp than i did for my first car 2 years ago!

[southpaw]

Matt1986 said:

anybody who has been 18 and male at the same time will have been refused by every other company in the back of exchange and mart.

Try being 17 instead I hate insurance companies, end of.

[GregE240]

Girlfriend: Hi, I'd like to inform you I'm getting a new car
Ins: Thank you. What car is it please?
GF: Its a BMW X3.
Ins: Sorry, you'll need a Tracker fitting to it before we insure you.
GF: Well, if its stolen, I might not want it back.
Ins: Sorry, Tracker or we won't insure you....
GF: Bye, then.

Crackers. Its an X3, not a bloody Ferrari.

[Matt1986]

touche southpaw

[munter]

GregE240 said:

Girlfriend: Hi, I'd like to inform you I'm getting a new car
Ins: Thank you. What car is it please?
GF: Its a BMW X3.
Ins: Sorry, you'll need a Tracker fitting to it before we insure you.
GF: Well, if its stolen, I might not want it back.
Ins: Sorry, Tracker or we won't insure you....
GF: Bye, then.

Crackers. Its an X3, not a bloody Ferrari.

Good god, what are the chances anybody would actually want to steal it!

[dern]

I went through the whole quote process for my old westfield only to be told that the maximum engine capacity that they could deal with was 4.5l and as mine was 4.6l they couldn't do it.

Clowns.

[GregE240]

munter said:

GregE240 said:

Girlfriend: Hi, I'd like to inform you I'm getting a new car
Ins: Thank you. What car is it please?
GF: Its a BMW X3.
Ins: Sorry, you'll need a Tracker fitting to it before we insure you.
GF: Well, if its stolen, I might not want it back.
Ins: Sorry, Tracker or we won't insure you....
GF: Bye, then.

Crackers. Its an X3, not a bloody Ferrari.

Good god, what are the chances anybody would actually want to steal it!

Clearly an MX-5 (GF's old car, not dog friendly) and a Transit Connect allows you to make quips like that?!!

[thegreatsoprendo]

munter said:

I've been hunting the usual suspects for insurance today. And had a bit of a shock when I tried to get a quote from Direct Line. We went though the usual questions and then they asked me:

Girl who thought brake pads were an engine mod: "why have you made the modifications to your car"
Me: "Because I might do the occasional track day:
Girl: "sorry sir if you do track days we're unable to cover you".
Me: "But your not covering me on trackdays just the usual road driving"
Girl: "doesnt matter."

Does this kind of thing happen to other people?

Ah well, I guess they just dont like my money....

Sounds like a case of a slightly hard of understanding phone rep remembering that they don't cover for track days (hardly any mainstream insurers do), putting 2 + 2 together and coming up with 247. I'm sure if you spoke to someone with half a clue at the same company you'd probably be fine, but I'd fully understand if you were pretty disinclined to do that!

[Fatboy]

GregE240 said:

munter said:

GregE240 said:

Girlfriend: Hi, I'd like to inform you I'm getting a new car
Ins: Thank you. What car is it please?
GF: Its a BMW X3.
Ins: Sorry, you'll need a Tracker fitting to it before we insure you.
GF: Well, if its stolen, I might not want it back.
Ins: Sorry, Tracker or we won't insure you....
GF: Bye, then.

Crackers. Its an X3, not a bloody Ferrari.

Good god, what are the chances anybody would actually want to steal it!

Clearly an MX-5 (GF's old car, not dog friendly) and a Transit Connect allows you to make quips like that?!!

The transit connect is both better looking and more practical than the X3

You did say your girlfriend would be quite happy never getting it back as well (I known what she meant, I'm just being a tit)

[FourWheelDrift]

GregE240 said:

Girlfriend: Hi, I'd like to inform you I'm getting a new car
Ins: Thank you. What car is it please?
GF: Its a BMW X3.
Ins: Sorry, you'll need a Tracker fitting to it before we insure you.
GF: Well, if its stolen, I might not want it back.
Ins: Sorry, Tracker or we won't insure you....
GF: Bye, then.

Trackers I've done an online quote without, then with and they were both the same quotation.