Insurance - Any recommendations?

[Murph7355]

George H said:

I've never had an insurance company deal with me with 'upmost good faith'. More like 'screw him at every possible oppertunity'.

If you were a managing director of a company I can't see why you would be lieing? The company doesn't have to turn over anything for you to have that title.

How they treat you is irrelevant (deal with that through the courts if you've been wronged).

Doing as you are suggesting means you are not disclosing material facts. Moreover, you are deliberately trying to hide them, which would not be seen in a good light for what is a legal requirement not to be arsed about with!

Anyway, how do you know MD's don't get their premiums loaded?

OP - the key factor will quite possibly be statistical evidence that your profession results in more claims. Simple as that.

[yeti]

Murph7355 said:

OP - the key factor will quite possibly be statistical evidence that your profession results in more claims. Simple as that.

Quite - and therefore you could expect to have the premium loaded, perhaps heavily enough to be discounted as an option. However, to refuse point blank (no pun intended) to insure seems unreasonable.

Hypothetically, if people of a certain ethnicity or religion could be seen to result in more claims, could you refuse to insure them, based on their ethnicity or religion? Eyyyye think not.

I believe there was a kerfuffle with Sheila's Wheels or one of the 'women only' insurers. The fact that you couldn't refuse to insure men just because they were men was deemed as unfair IIRC.

[AMDBSNick]

Interesting that Bincenzo has not responded since 09.35 which means the luck git is out bumbling around in his fighter jet. bd

[George H]

yeti said:

Hypothetically, if people of a certain ethnicity or religion could be seen to result in more claims, could you refuse to insure them, based on their ethnicity or religion? Eyyyye think not.

This is my point - how can you discriminate against someone because of what they do. Like you say, if someone suddenly decided that asians crash the most and have the most fake whiplash claims so they wouldn't insure them, there would be all sorts of human rights, politically correct bullst thrown about because of it. Yet someone who works for their countries armed forces can't get insured and that's ok? It's bks imo.

[snuffy]

There is no legal requirement for you to be offered insurance. If a company does not wish to insure someone, that's down to them - you don't have a legal right to it.

It's just like walking into a shop and saying "I'll have that TV please" and they say "No, we don't want to sell it to you". There is nothing you can do about it.

[yeti]

snuffy said:

It's just like walking into a shop and saying "I'll have that TV please" and they say "No, we don't want to sell it to you". There is nothing you can do about it.

There is if they won't sell it to you due to your colour, race, religion, sex or sexual preference. It's called discrimiation and it's >actually< not allowed.

If they don;t want to sell it to you because you were rude, you shoplifted from there or you have a t-shirt with an offensive slogan, that's up to them. But you can't discrimate agaist a 'group'.

Works both ways of coure, not just a majority/minority thing; straight people are allowed in gay bars for instance and white people are allowed in the National Black Police officers Association*. You aren't allowed to discrimiate.

• As 'associate members'

[Bincenzo]

AMDBSNick said:

Interesting that Bincenzo has not responded since 09.35 which means the luck git is out bumbling around in his fighter jet. bd

Nick, very perceptive, I was, but I'm afraid I'm a military helicopter pilot, so no jets (well, in theory the engine are gas turbines, but you know what I mean) but lots of teaching student pilots at the moment. Now that's something I seriously would not insure! Beautiful day for it though. Sorry if I've let every one down by flying rotary wing....although we do get to see a lot more 'interesting' situations than the fast jets, certainly during current operations.

[Jockman]

Methinks people are getting their wires crossed a bit here - there is a law to stop companies discriminating against certain groups based on gender, religion, ethnicity etc.

There is no such law to protect pilots - why should there be ?? When I'm quoted for insurance I get one premium for being a Director, another if I were a Managing Director.

I have no idea why this is difficult to understand

[Bincenzo]

Jockman said:

Methinks people are getting their wires crossed a bit here - there is a law to stop companies discriminating against certain groups based on gender, religion, ethnicity etc.

There is no such law to protect pilots - why should there be ?? When I'm quoted for insurance I get one premium for being a Director, another if I were a Managing Director.

I have no idea why this is difficult to understand

Jockman, I'm not asking to be a special case, I just want to be insured and don't understand why a company refuses full stop to insure not just pilots but every single member of the Armed Forces. Seems to me like they're missing out on a lot of trade, as there are over 150,000 of us!

[Jockman]

Bincenzo said:

Jockman, I'm not asking to be a special case, I just want to be insured and don't understand why a company refuses full stop to insure not just pilots but every single member of the Armed Forces. Seems to me like they're missing out on a lot of trade, as there are over 150,000 of us!

I hear what you're saying Bincenzo and I note Grant's comments that the company does indeed insure Armed Forces personnel with certain stipulations. What I am having trouble with is correlating your situation to those groups that come under Equal Opps legislation.

I accept that you yourself are not doing this.

Perhaps I should start buying the Daily Mail

[Tony V12V]

I was looking at putting my car with Locktons (Chubb) Got the quote..was happy with the price but then just 'checked' that the Track day section would apply 'IF' I was to attend the AM On Track Experience at Spa.
(note to Mr Gould...its a 'track driving experience' event run by the AM advanced drivers NOT A TRACK DAY big big difference )

Anyway...I was told that due to it being outside UK territorial limits...something our pilot understands I'm sure.. then I would not be covered. Ok ..no problem..No one covers the 'ring anyway but this was Spa run by the factory under very strict H&S rules with a full risk assesment (their words not mine) but the AM approved policy would not cover it hmm...

So I ask Cockernee 'IF' he was to attend such an event who would He use for insurance...no prizes for guessing who He and Richard(CatalystV12V) 'IF' he was to attend also, are insured with.... begins with an L and ends with s and they will cover them for said event....maybe I'm high risk too

[Murph7355]

yeti said:

Quite - and therefore you could expect to have the premium loaded, perhaps heavily enough to be discounted as an option. However, to refuse point blank (no pun intended) to insure seems unreasonable. ....

Personally I'd have much more respect for an insurer noting they won't cover me at all rather than give bullst mega-quotes out to dissuade me.

OP - have you asked around within your colleagues ref car insurance generally? It wouldn't surprise me if there were places that specialise in insuring people in your line of work.

Oh, and rotary are way, way cooler than fast jets. Have you been to Vegas recently?

[Bincenzo]

Murph7355 said:

Personally I'd have much more respect for an insurer noting they won't cover me at all rather than give bullst mega-quotes out to dissuade me.

OP - have you asked around within your colleagues ref car insurance generally? It wouldn't surprise me if there were places that specialise in insuring people in your line of work.

Oh, and rotary are way, way cooler than fast jets. Have you been to Vegas recently?

Not been for a while Murph, did my last dust in Morocco and Kenya. I'll check with the petrol heads at work, bound to some one with an 'in'.

[Murph7355]

Bincenzo said:

Not been for a while Murph, did my last dust in Morocco and Kenya. I'll check with the petrol heads at work, bound to some one with an 'in'.

Also check out Grant's post...Locktons might not be the closed door it looked to be.

Have you tried:

Footman James
Aon (own FJ above, but you get different quotes IME)
A-plan
Liverpool Victoria

And a quick Google for "armed forces car insurance":

http://www.towergateinsurance.co.uk/specialist/mil...

http://www.chartisinsurance.com/Auto_1369_287873.h...

http://www.forcesfinancial.com/military/insurance/...

etc

There are quite a few places by the look of it.

[Jockman]

Murph7355 said:

Also check out Grant's post...Locktons might not be the closed door it looked to be.

Gee......thanks for the insight sMurph

[Jockman]

Tony V12V said:

I was looking at putting my car with Locktons (Chubb) Got the quote..was happy with the price but then just 'checked' that the Track day section would apply 'IF' I was to attend the AM On Track Experience at Spa.
(note to Mr Gould...its a 'track driving experience' event run by the AM advanced drivers NOT A TRACK DAY big big difference )

Anyway...I was told that due to it being outside UK territorial limits...something our pilot understands I'm sure.. then I would not be covered. Ok ..no problem..No one covers the 'ring anyway but this was Spa run by the factory under very strict H&S rules with a full risk assesment (their words not mine) but the AM approved policy would not cover it hmm...

So I ask Cockernee 'IF' he was to attend such an event who would He use for insurance...no prizes for guessing who He and Richard(CatalystV12V) 'IF' he was to attend also, are insured with.... begins with an L and ends with s and they will cover them for said event....maybe I'm high risk too

Tony there is something quite wrong here, but I assume you are caught between a rock and a hard place.

Thankfully you are loaded and able to get insurance elsewhere. I would seriously think twice about using an inconsistent insurer for your future needs

[Murph7355]

Jockman said:

Gee......thanks for the insight sMurph

He probably has you on an ignore list like any sane individual, and hence never saw you noting the exact same thing

[George H]

Murph7355 said:

Oh, and rotary are way, way cooler than fast jets.

Don't be silly! Jets all the way

[AMDBSNick]

Murph7355 said:

Oh, and rotary are way, way cooler than fast

+1

[Bincenzo]

Chaps, thank you so much for your efforts. As I pick the car up next weekend, I've almost decided on where I'm going with the insurance. Your efforts and discussion are much appreciated though, I can see myself dipping my toe into the forum water more often!