Juggalo Posted June 16, 2015 Share Posted June 16, 2015 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. 2 Quote Link to comment Share on other sites More sharing options...
ATTAK Z Posted June 16, 2015 Share Posted June 16, 2015 Dicks the lot of them ... try One Call they are even sh!te-er Quote Link to comment Share on other sites More sharing options...
Ebized Posted June 16, 2015 Share Posted June 16, 2015 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 BTW, that's no reflection on brokers who, in the main, at least know more about cars and try to get our business . Quote Link to comment Share on other sites More sharing options...
Zeezeebaba Posted June 16, 2015 Share Posted June 16, 2015 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. 2 Quote Link to comment Share on other sites More sharing options...
ilogikal1 Posted June 16, 2015 Share Posted June 16, 2015 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. Quote Link to comment Share on other sites More sharing options...
roscopervis Posted June 19, 2015 Share Posted June 19, 2015 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. Quote Link to comment Share on other sites More sharing options...
alexwitham Posted June 19, 2015 Share Posted June 19, 2015 I've been a manager of a very well known insurance company for almost 8 years, as of next week I move industry...the above is one of many reasons why, the industry is so 'wishy washy'. Quote Link to comment Share on other sites More sharing options...
Ridz Posted June 19, 2015 Share Posted June 19, 2015 (edited) 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 June 19, 2015 by Ridz Quote Link to comment Share on other sites More sharing options...
GMballistic Posted June 19, 2015 Share Posted June 19, 2015 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. 2 Quote Link to comment Share on other sites More sharing options...
Alize Posted June 19, 2015 Share Posted June 19, 2015 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. Ditto! Sent from my iPhone using Tapatalk Quote Link to comment Share on other sites More sharing options...
Jetpilot Posted June 20, 2015 Share Posted June 20, 2015 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 Quote Link to comment Share on other sites More sharing options...
spursmaddave Posted June 20, 2015 Share Posted June 20, 2015 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 Sent from my iPhone using Tapatalk Quote Link to comment Share on other sites More sharing options...
coldel Posted June 20, 2015 Share Posted June 20, 2015 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. Quote Link to comment Share on other sites More sharing options...
Toon Chris Posted June 20, 2015 Share Posted June 20, 2015 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 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. Quote Link to comment Share on other sites More sharing options...
spursmaddave Posted June 20, 2015 Share Posted June 20, 2015 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 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! Sent from my iPhone using Tapatalk Quote Link to comment Share on other sites More sharing options...
DAN@ADRIAN FLUX Posted June 20, 2015 Share Posted June 20, 2015 Hi, Please feel free to give us a try for insurance if you like if you haven't already taken a new policy. Regards, Dan. Quote Link to comment Share on other sites More sharing options...
Davectr Posted June 20, 2015 Share Posted June 20, 2015 Dan, do you do track day insurance? If you do is it only for customers who already have a car insured with yourselves? Quote Link to comment Share on other sites More sharing options...
sharkmatt Posted June 20, 2015 Share Posted June 20, 2015 (edited) 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 June 20, 2015 by sharkmatt Quote Link to comment Share on other sites More sharing options...
Jetpilot Posted June 20, 2015 Share Posted June 20, 2015 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 í ½í¸³ 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. Quote Link to comment Share on other sites More sharing options...
ilogikal1 Posted June 20, 2015 Share Posted June 20, 2015 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. Quote Link to comment Share on other sites More sharing options...
Stutopia Posted June 20, 2015 Share Posted June 20, 2015 If I am the 1st party and the other driver is the 3rd party, who is the 2nd party? (and where is it happening?) 2 Quote Link to comment Share on other sites More sharing options...
Jetpilot Posted June 20, 2015 Share Posted June 20, 2015 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 Quote Link to comment Share on other sites More sharing options...
ilogikal1 Posted June 20, 2015 Share Posted June 20, 2015 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. Quote Link to comment Share on other sites More sharing options...
ilogikal1 Posted June 20, 2015 Share Posted June 20, 2015 If I am the 1st party and the other driver is the 3rd party, who is the 2nd party? (and where is it happening?) 2nd party would be the insurance company, no? Or you're the 2nd and they're the 1st, whatever. Quote Link to comment Share on other sites More sharing options...
Ekona Posted June 20, 2015 Share Posted June 20, 2015 I wouldn't trust any government to run a bath, much less car insurance. 3 Quote Link to comment Share on other sites More sharing options...
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