Have you been told "no thanks" by an insurance company?
Discussion
Been told that a Volvo was too powerful for me when I was 27 so they wouldn't insure it.. Asked them sarcastically if they would insure the 4l Chimaera............
Have also had the whole thing going well until we get to make and model. TVR Chimaera. Is that the hatchback or 4 door. Uh, 2 door. It can't be, they only make 4 doors or hatchbacks. No, I assure you it is 2 door. Sorry sir, they don't make those. Uh, well the one I have owned for the last 4 years has always had just 2 doors..................
LOVE Insurance companies...
Have also had the whole thing going well until we get to make and model. TVR Chimaera. Is that the hatchback or 4 door. Uh, 2 door. It can't be, they only make 4 doors or hatchbacks. No, I assure you it is 2 door. Sorry sir, they don't make those. Uh, well the one I have owned for the last 4 years has always had just 2 doors..................
LOVE Insurance companies...
After 11 years of being on a first name basis with my personal insurer, I decided to have a crack at getting a cheaper quote, the result was as follows, and I quote;
"Right then Sir, 2005 Aston Martin DB9...one second please.......ahhhh, ummm, hmmmmmm I'm not sure it's worth pursuing, the quote for yourself including 2 named drivers is over £2000, are you sure you want to spend that amount per year?"
The next sound heard by the call centre operator was a dial tone, surely the person who gave the quote had seen the purchase price and regularly deals with expensive quotes (I'm sure that a few new drivers get quoted £5000+ PA).
"Right then Sir, 2005 Aston Martin DB9...one second please.......ahhhh, ummm, hmmmmmm I'm not sure it's worth pursuing, the quote for yourself including 2 named drivers is over £2000, are you sure you want to spend that amount per year?"
The next sound heard by the call centre operator was a dial tone, surely the person who gave the quote had seen the purchase price and regularly deals with expensive quotes (I'm sure that a few new drivers get quoted £5000+ PA).
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....
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....
surely the answer is - "oh in that case i wont use it on the track"
When I tried to insure my GTO the day after I passed my test 98% of insurers wouldn't quote including a couple who put the phone down on me. Direct Line quoted me £8000 on the nose, I went with Tesco in the end where the guy just laughed when he checked that it was a modified import and I'd only had a licence a day!
In my experience most of the direct line, tesco's etc insurance companies are only interested in insuring Mr Normal with the family car and 2.5 children. I've been with the same insurance broker for a frightening 27 years. Back when I was 18 and I was offered a
Mk1 3000GXL Capri and I was being quoted more than the car cost new for third party, fire and theft. This chap insured the car for £230 and I've been with him ever since. It used to be a standing joke, I'd ring him up and he'd say OK what have you bought now and just laugh and then say I'll see what I can do. Well next year he's going to retire and tomorrow i'm going to be 45. In all these years nothings changed, he still laughs and I'm still a mad arse.
Mk1 3000GXL Capri and I was being quoted more than the car cost new for third party, fire and theft. This chap insured the car for £230 and I've been with him ever since. It used to be a standing joke, I'd ring him up and he'd say OK what have you bought now and just laugh and then say I'll see what I can do. Well next year he's going to retire and tomorrow i'm going to be 45. In all these years nothings changed, he still laughs and I'm still a mad arse.
Used to hate trying to get insurance for my barchetta. Having gone through the reg number/name/number/experience questions, asking the make and model.
"Is it a standard Right Hand Drive?"
"No, it's a standard Left. They do not make a RHD, only convertions".
FFS, they knew on the first questions that it was a barchetta!
"Is it a standard Right Hand Drive?"
"No, it's a standard Left. They do not make a RHD, only convertions".
FFS, they knew on the first questions that it was a barchetta!
When I worked for an insurance company I told someone "no thanks", well actually it was "get out" but he was a rude, ignorant t
t, so I think that's ok. 
I often have problems getting a quote for my bike 'cos I don't have a garage. The conversation usually goes:
Them: do you have a garage?
Me: No. I don't have anywhere indoors to put it. I live in a flat. I park it off the road at the entrance.
Them: So, no garage. Do you have a shed?
Me: No. I don't have anywhere indoors to put it. I live in a flat. I park it off the road at the entrance.
Them: Are you sure you don't have a garage or shed to put it in?
Me: NO. I LIVE IN A FLAT!!
Them: Well, it's just that it'd be cheaper if you had a garage.
Me: No shit, Sherlock
They usually then quote me in excess of £1000 to insure a bike worth less than £2k, even though I have 14 years NCB.
t, so I think that's ok. I often have problems getting a quote for my bike 'cos I don't have a garage. The conversation usually goes:
Them: do you have a garage?
Me: No. I don't have anywhere indoors to put it. I live in a flat. I park it off the road at the entrance.
Them: So, no garage. Do you have a shed?
Me: No. I don't have anywhere indoors to put it. I live in a flat. I park it off the road at the entrance.
Them: Are you sure you don't have a garage or shed to put it in?
Me: NO. I LIVE IN A FLAT!!
Them: Well, it's just that it'd be cheaper if you had a garage.
Me: No shit, Sherlock
They usually then quote me in excess of £1000 to insure a bike worth less than £2k, even though I have 14 years NCB.
Bought a fully race-prepared VW Scirocco which just happened to pass an MoT and decided to insure it on the road so that I could drive it to trackdays. What a laugh.... I was with Endsleigh at the time, when they asked if it was 'modified' I told them I would fax the list...
"What, does it have alloy wheels?" I'm asked on the phone
"Err, I thought you'd be more concerned with such items as a completely bespoke fuel system with race pumps, for example?"
Click. Brrrrrrrrrrrrrrrrrrrrrrrrrrrr....
I've found that the majority of staff at mainstream car insurers have no knowledge, or interest in, cars at all. I recently insured my engine-modded Corrado VR6 with Direct Line and spent an agonising period on the phone to someone who probably owned a Vauxhall Corsa:
Me: "It's got Schrick 268 degree camshafts"
Insurer-Man: "Right. What do those do?"
Me: "It's got aftermarket brakes"
Insurer-Man: "Rigghhhtttt.... Why"
Me : "They make the car stop faster"
Insurer-Man (typing): "Make......car.....stop.....faster....."
Repeat for about an hour.
(They did actually insure it in the end, but as with my modified MR2 Turbo I'm never entirely convinced that the 'high street' insurers know what it is that they're covering).
"What, does it have alloy wheels?" I'm asked on the phone
"Err, I thought you'd be more concerned with such items as a completely bespoke fuel system with race pumps, for example?"
Click. Brrrrrrrrrrrrrrrrrrrrrrrrrrrr....
I've found that the majority of staff at mainstream car insurers have no knowledge, or interest in, cars at all. I recently insured my engine-modded Corrado VR6 with Direct Line and spent an agonising period on the phone to someone who probably owned a Vauxhall Corsa:
Me: "It's got Schrick 268 degree camshafts"
Insurer-Man: "Right. What do those do?"
Me: "It's got aftermarket brakes"
Insurer-Man: "Rigghhhtttt.... Why"
Me : "They make the car stop faster"
Insurer-Man (typing): "Make......car.....stop.....faster....."
Repeat for about an hour.
(They did actually insure it in the end, but as with my modified MR2 Turbo I'm never entirely convinced that the 'high street' insurers know what it is that they're covering).
thegreatsoprendo said:
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....
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!
Sadly one must remember who is getting to do the job at the large companies. If you go to a smaller broker (as one pretty much has to if you want trackday cover or are insuring a Porsche/TVR/etc) then I have always found the people excellent.
Don said:
Sadly one must remember who is getting to do the job at the large companies. If you go to a smaller broker (as one pretty much has to if you want trackday cover or are insuring a Porsche/TVR/etc) then I have always found the people excellent.
Dealing with Footman James with Porsche Club GB club insurance was painless, cheap and easy.Currently struggling to get insurance for the Prodrive Pack on a Newage Impreza. some insurance do not have a clue what the Prodrive pack is and needless to say i do not beleive that all owners of PPP Imprezas are fully insured as most insurance companies regard the PPP as the Prodrive Style Pack, and does not include engine mods.
I have been quoted £1000 on top of my premium for the Prodrive pack and am stunned of the ignorance of the insurance companies.
So far Impreza with PPP Quote £1650
OR
I can get EVO IX FQ330 Quote £890
Think i may be changing cars sooner than i had planned
I have been quoted £1000 on top of my premium for the Prodrive pack and am stunned of the ignorance of the insurance companies.
So far Impreza with PPP Quote £1650
OR
I can get EVO IX FQ330 Quote £890
Think i may be changing cars sooner than i had planned
_Batty_ said:
my experiance:
200bhp FTO Mivec worth £3500 3pft = £1350
210bhp Alfa GTV worth £6000 FC = £1200
same company??
200bhp FTO Mivec worth £3500 3pft = £1350
210bhp Alfa GTV worth £6000 FC = £1200
same company??
Unsure i have tried through the official subaru Insurer and these do not seem to have a clue..
The above quotes are from Tesco for a 27yr/old with 4 years NCD living in a crime free area.
Couple of years ago....
Me: Hello I'd like a quote please
Them: What sort of car would you like to insure?
Me: A TVR S3
Them: *Trawls through 10 minutes of the quoting process* What is your DoB?
Me: August 1981
Them
(seriously, one guy actually laughed at me down the phone - wanker)
After about 6 abortive attempts, the process was changed to
Them: Hello, xyz Insurance
Me: I'm 23 and have a TVR, will you insure me?
Them: No
Me: Thanks, bye!
Twenty different insurers and only 2 would give me a quote.
Me: Hello I'd like a quote please
Them: What sort of car would you like to insure?
Me: A TVR S3
Them: *Trawls through 10 minutes of the quoting process* What is your DoB?
Me: August 1981
Them
(seriously, one guy actually laughed at me down the phone - wanker) After about 6 abortive attempts, the process was changed to
Them: Hello, xyz Insurance
Me: I'm 23 and have a TVR, will you insure me?
Them: No
Me: Thanks, bye!
Twenty different insurers and only 2 would give me a quote.
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