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Insurance is barmy


Juggalo

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Had hell today re-insuring the Z.

I won't go over the entire hassle as it's ridiculous, suffice to say I would have made more progress talking to a potato.

Until I finally got through to a woman with a brain.

 

So "MoreThan" refused to insure the car.

I asked why, as i bought the policy 2 weeks ago without issue (I had to swap the policy to a different car while my Z was in for repairs)

Apparently, because I said my car was a GT, they wouldn't touch it.

So I asked how heated leather seats, cruise control and a funky radio makes my car uninsurable - needless to say, she didn't know.

She asked if I was sure it was a GT

I asked how would I know?

"it'll be on the log book"

Checked log book, it didn't say GT. Checked the "Is it Taxed" site, no mention of GT.

"OK, we can insure it"

Meh, ok I said. I agreed with her to send a copy of the log book in, so that they will reply to confirm in writing that they believe on that evidence that my car is not a GT, and they will honour any future claims on that evidence.

She said that was fine.

 

They're just odd.

 

One of the earlier potatoes I was talking to said "Sorry, we can't insure you. It's an Import (it isn't), it has poor security, and you're too young. I'm 44. I just hung up on him after he said that.

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Your three words in the penultimate paragraph summed up car insurance companies quite well.

 

When I think of the thousands I have paid over 50 years of driving and only ever made two windscreen claims I reckon they are on such a good earner they can just say whatever they want :dry:

 

BTW, that's no reflection on brokers who, in the main, at least know more about cars and try to get our business :lol: .

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Every year I receive a new quote slightly higher than the year before. My ritual is the same every time, a quick check of a comparison site to ascertain the cheapest quote. Then a call to my current insurer asking why after another claim free year I'm being charged more. I then ask to speak to a line manger where I rant on about loyalty and customer retention etc. After ten minutes or so I finally end up with a cheaper quote than seen online. Job done.

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I agreed with her to send a copy of the log book in, so that they will reply to confirm in writing that they believe on that evidence that my car is not a GT, and they will honour any future claims on that evidence.

 

And with that any payout will be a price based on a bog standard, non-GT 350Z. At best.

 

At worst, they'll deny the whole conversation, void the policy (undeclared "modifications") and land you in a world of ****.

 

Either way, sack them off and change insurers to someone willing to cover you for what your car actually is.

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I agreed with her to send a copy of the log book in, so that they will reply to confirm in writing that they believe on that evidence that my car is not a GT, and they will honour any future claims on that evidence.

 

And with that any payout will be a price based on a bog standard, non-GT 350Z. At best.

 

At worst, they'll deny the whole conversation, void the policy (undeclared "modifications") and land you in a world of ****.

 

Either way, sack them off and change insurers to someone willing to cover you for what your car actually is.

 

Yup, I have to agree. As soon as a car gets half exotic, it's worth getting a specialist insurer to cover the actual car and any mods like for like.

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This surely makes the case for the Specialist Insurers, to offer their support!

 

Worthwhile contacting those on this forum and see if they can assist.

Edited by Ridz
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Either way, sack them off and change insurers to someone willing to cover you for what your car actually is.

This imo too. ;)

 

If you haven't already Juggalo I'd try Adrian Flux. That's who I'm with and a fair few other modified/FI owners/forum members and they really know their stuff.

Great service so far and cheapest quote I had. :thumbs:

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Either way, sack them off and change insurers to someone willing to cover you for what your car actually is.

This imo too. ;)

 

If you haven't already Juggalo I'd try Adrian Flux. That's who I'm with and a fair few other modified/FI owners/forum members and they really know their stuff.

Great service so far and cheapest quote I had. :thumbs:

Ditto!

 

 

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I have never found any rhyme or reason to insurance, I am old, clean license, live in the safest of area codes, garaged, no accidents, plenty of experience with performance cars, you would think I was an insurers low risk dream, apparently not :(

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I have never found any rhyme or reason to insurance, I am old, clean license, live in the safest of area codes, garaged, no accidents, plenty of experience with performance cars, you would think I was an insurers low risk dream, apparently not :(

 

Yep when I got a garage I was told by one company that my insurance would go up because I was more likely to damage the car going in and out, yet another wouldn't insure me unless I had a garage as it was too much of a risk parked on the road :headhurt:

 

 

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I completely steer clear of mainstream insurers now - they are just idiots pressing buttons with no idea what they are talking about. The specialists at least try to engage with customers, understand 'our business which we are paying them for' and speak to you with the intention of trying to win your business rather than seeing you as just another number in a long line of numbers.

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I have never found any rhyme or reason to insurance, I am old, clean license, live in the safest of area codes, garaged, no accidents, plenty of experience with performance cars, you would think I was an insurers low risk dream, apparently not :(

 

Yep when I got a garage I was told by one company that my insurance would go up because I was more likely to damage the car going in and out, yet another wouldn't insure me unless I had a garage as it was too much of a risk parked on the road :headhurt:

 

 

Sent from my iPhone using Tapatalk

 

I was told having the car garaged would put the price up, 'because the car is hidden from public sight which means a thief has longer to attempt to steal it or from it'.

Its pretty much any excuse someone can come up with as an argument.

Nationalise the industry and make the rules transparent, that's what I say.

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I have never found any rhyme or reason to insurance, I am old, clean license, live in the safest of area codes, garaged, no accidents, plenty of experience with performance cars, you would think I was an insurers low risk dream, apparently not :(

 

Yep when I got a garage I was told by one company that my insurance would go up because I was more likely to damage the car going in and out, yet another wouldn't insure me unless I had a garage as it was too much of a risk parked on the road :headhurt:

 

 

Sent from my iPhone using Tapatalk

 

I was told having the car garaged would put the price up, 'because the car is hidden from public sight which means a thief has longer to attempt to steal it or from it'.

Its pretty much any excuse someone can come up with as an argument.

Nationalise the industry and make the rules transparent, that's what I say.

 

Indeed..

 

'Have you had an accident'

 

Yes - then you are more likely to have another, price goes up

 

No - then you are probably due one, price goes up

 

Thank heavens for personal injury claims, so we can get our fair share back!

 

 

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We should do what Australia do and have no compulsory insurance. If you crash and you're not insured, the government will pay the other party for the damage and come after you for the costs! You really don't want to go against the government in court, that's never going to be a fair fight 😳 The upshot is that people don't have to be insured so the insurance companies have to offer reasonable premiums, which ultimately means that more people end up insured because it's affordable.

Edited by sharkmatt
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We should do what Australia do and have no compulsory insurance. If you crash and you're not insured, the government will pay the other party for the damage and come after you for the costs! You really don't want to go against the government in court, that's never going to be a fair fight 😳 The upshot is that people don't have to be insured so the insurance companies have to offer reasonable premiums, which ultimately means that more people end up insured because it's affordable.

 

I agree, 3rd party only.

 

If you want to insure beyond that i.e fully comp or just fire and theft, you can with brokers/companies.

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I agree, 3rd party only.

 

If you want to insure beyond that i.e fully comp or just fire and theft, you can with brokers/companies.

 

I must be missing something, but isn't this just the system we have now? Minimum requirement is 3rd party, anything more is optional.

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I agree, 3rd party only.

 

If you want to insure beyond that i.e fully comp or just fire and theft, you can with brokers/companies.

 

I must be missing something, but isn't this just the system we have now? Minimum requirement is 3rd party, anything more is optional.

 

You are, government to provide 3rd party insurance as per thread above :)

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I agree, 3rd party only.

 

If you want to insure beyond that i.e fully comp or just fire and theft, you can with brokers/companies.

 

I must be missing something, but isn't this just the system we have now? Minimum requirement is 3rd party, anything more is optional.

 

You are, government to provide 3rd party insurance as per thread above :)

 

Ah I see now.

 

Balls to that, you think private companies are expensive just wait and see how much the government would want to charge you for that privilege. :lol:

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