Insurance conundrum

[S2r]

The child is looking to buy a new car, GT86 / BRZ, and has found one and called his insurance company.

They have come back with "Declined code. Risk approval details. DVLA capture." so can't quote but have no idea why or what it means.

Checking on the DVLA website, the only thing I can find is that it's been untaxed for a week

Any ideas what this could be?

(he's not on here which is why I am asking)

[Dingu]

Is it the specific vehicle or that they just won’t be insuring them on any of that model?

[S2r]

A specific vehicle, used the regulation

[alscar]

S2r said:

The child is looking to buy a new car, GT86 / BRZ, and has found one and called his insurance company.

They have come back with "Declined code. Risk approval details. DVLA capture." so can't quote but have no idea why or what it means.

Checking on the DVLA website, the only thing I can find is that it's been untaxed for a week

Any ideas what this could be?

(he's not on here which is why I am asking)

Those 3 phrases used are presumably specific to that Insurer and aren’t necessarily “in order “ but no idea what they actually mean - guessing your son didn’t ask either.
Equally if untaxed not sure why that would trigger a cannot quote.
Dare I ask how clean is his licence or is he young for the car etc ?

[S2r]

He's quite young for the car at 20 with 2 years no claims and a clean licence. He's had generic quotes for one previously and while it was a lot, he could afford it.

Only when asking what it would cost to change his current insurance to this car, he got that response.

Apparently the person he was talking to didn't know either and suggested that he spoke to the dealer.

So, no idea

[Mark V GTD]

When you have only a couple of years or so of NCD it can be painful changing cars midway between renewal dates as they can quote anything they like knowing you will be reluctant to cancel the policy and lose the NCD for that year.

[Dingu]

Mark V GTD said:

When you have only a couple of years or so of NCD it can be painful changing cars midway between renewal dates as they can quote anything they like knowing you will be reluctant to cancel the policy and lose the NCD for that year.

Made up.

[alscar]

S2r said:

He's quite young for the car at 20 with 2 years no claims and a clean licence. He's had generic quotes for one previously and while it was a lot, he could afford it.

Only when asking what it would cost to change his current insurance to this car, he got that response.

Apparently the person he was talking to didn't know either and suggested that he spoke to the dealer.

So, no idea

Quality sales agent at the Insurer - what’s an Insurance quote got to do with a dealer ?!
Sounds to me like any code has been triggered by his age then and presumably if the previous quote was with the current Insurer perhaps they have changed their strategy ?
Maybe try a broker and let them do all the work.
Howdens ( previously A Plan ) might be worth a call.

[alscar]

Mark V GTD said:

When you have only a couple of years or so of NCD it can be painful changing cars midway between renewal dates as they can quote anything they like knowing you will be reluctant to cancel the policy and lose the NCD for that year.

They can’t.
Would contravene TCF for a start.
Sales agents also aren’t that clever - they work from an automated screen.
Obviously if the car change was from say an old Fiesta to something like a new BMW the quote may just feel like they made it up though !

[Sebring440]

S2r said:

Any ideas what this could be?

20-year-old trying to insure such a high-insurance-group car.

He's definitely going to need specialist insurance if he expects to insure such a car.

[e-honda]

Is it on a personalised plate or just had one removed? could be because it is in the middle of being transferred

[S2r]

I could understand the "young driver / fast car" meaning that they wouldn't quote, but he had general ones which is why he's been looking. It was quite a lot though but this wasn't the reason given and they didn't refuse to quote.

I did wonder if it could be the asbo car driving thing, where the car gets a marker (can't remember what it's called) but I have nothing to base it on, any idea how they work or if it would show up on an insurance quote.

The car is standard and hasn't had a plate change.

[Mark V GTD]

alscar said:

Mark V GTD said:

When you have only a couple of years or so of NCD it can be painful changing cars midway between renewal dates as they can quote anything they like knowing you will be reluctant to cancel the policy and lose the NCD for that year.

They can’t.
Would contravene TCF for a start.
Sales agents also aren’t that clever - they work from an automated screen.
Obviously if the car change was from say an old Fiesta to something like a new BMW the quote may just feel like they made it up though !

Would be great if that were true.

[TwigtheWonderkid]

Mark V GTD said:

alscar said:

Mark V GTD said:

When you have only a couple of years or so of NCD it can be painful changing cars midway between renewal dates as they can quote anything they like knowing you will be reluctant to cancel the policy and lose the NCD for that year.

They can’t.
Would contravene TCF for a start.
Sales agents also aren’t that clever - they work from an automated screen.
Obviously if the car change was from say an old Fiesta to something like a new BMW the quote may just feel like they made it up though !

Would be great if that were true.

Let's see your evidence that it's not true. That either a human being makes a decision to fleece a customer because they can, or the computer system they use has a programme built in that identifies customers in this "vulnerable" position and is programmed to take advantage of them.

Ffs, the nonsense people spout about insurance, an industry that's so heavily regulated, you could probably run a nuclear power station with less scrutiny.

[BertBert]

Got to be something to do with the status of the particular car from DVLA's perspective not the driver surely? Do what has been said and call Howdens. Then also try again with own insurer on that car and be more persistent if still declined. Also have the reg of another specific same model to try work own insurer.

[alscar]

Mark V GTD said:

Would be great if that were true.

Then it is "great" then unless you can say which part I've got wrong and why and of course based on actual knowledge ?

[Mark V GTD]

Don't take me too seriously chaps - I'm just very cynical about it all. If its true the industry is so regulated then I need to chill out :-)

[reggie747]

S2r said:

The child is looking to buy a new car, GT86 / BRZ, and has found one and called his insurance company.

They have come back with "Declined code. Risk approval details. DVLA capture." so can't quote but have no idea why or what it means.

Checking on the DVLA website, the only thing I can find is that it's been untaxed for a week

Any ideas what this could be?

(he's not on here which is why I am asking)

I'll have to state the obvious.......have you tried simply CALLING the insurance company and asking them what it means ??

[Olivergt]

reggie747 said:

S2r said:

The child is looking to buy a new car, GT86 / BRZ, and has found one and called his insurance company.

They have come back with "Declined code. Risk approval details. DVLA capture." so can't quote but have no idea why or what it means.

Checking on the DVLA website, the only thing I can find is that it's been untaxed for a week

Any ideas what this could be?

(he's not on here which is why I am asking)

I'll have to state the obvious.......have you tried simply CALLING the insurance company and asking them what it means ??

One of the later posts suggests he did ask:

"Apparently the person he was talking to didn't know either and suggested that he spoke to the dealer."

[LemonParty]

It could just be that his current insurer won't cover that car so he's unable to move his existing policy to that car, but going through a comparison site there's many others that will offer cover.