Yippy.............Im Staying!

Kamsin · 12-01-2011, 17:56

As i told you all yesterday i had some bad news from the insurance company and thought the under writers were going to get the insurance voided.

They did i got a call today to tell me the under writers had declined my policy due to me being a "High risk". This is the same underwriters that have happily taken £350 a year for 11 years from me without a claim. Thank you "Highway insurance" NOT! (Chris Knott policy holders’ beware)

However, after going back to Admiral who gave me the first quote, i though i would give them a chance again and see what happens, so i re-filled out the information on the multicar policy and declared the motorbike accident. It went up bout only £50 on the 4x4 and about £40 on the BMW, £90 in total, i though i can live with that, BUT just to be sure i rang them up to check i had done it right this time.

Nice guy on the phone, very help full, UK call centre, i told him what i had done and he said he would check the policy i had filled in, then he got to the accident part, i see you have made a claim, could you tell me what it was for.
I told him it was for the motor bike i was knocked off of. MOTORBIKE he said, why are you telling us about a motorbike were not interested in them, only cars, just let me check. He came back and told me the policy i had filled in was now wrong as it had an accident on it and as far as they were concerned it had not had an accident, so he dropped it back to what i started at.

Now dont get me wrong, im still paying more BUT only £13 on the BMW and £15 on the 4x4, and i can live with that.

So the BAD NEWS for you guys is, I’M STAYING

zippy656 · 12-01-2011, 17:58

thats good news!!

(RIP) PLANK · 12-01-2011, 18:00

well done for sticking at it and sorting it out, these things can be a night mare

Kamsin · 12-01-2011, 18:02

Thanks Guys

Peasgood · 12-01-2011, 18:28

Oh bollocks.

12-01-2011, 18:38

get it in triplicate!

Deleted account DD · 12-01-2011, 18:45

Pleased its sorted

just beware with Admiral they are shit hot on ANY modification from standard. That includes anything that you may see as trivial. Even safety measures such as reverse camera and sensors that actually reduce the risk to them. I had to pay £17 something to tell them Id fitted them.

Kamsin · 12-01-2011, 18:47

Will keep an eye on the daved, i guess the winch i was going to put on is out the question then

Kamsin · 12-01-2011, 18:48

Quote:

Originally Posted by Peasgood

Oh bollocks.

Deleted account DD · 12-01-2011, 19:12

Quote:

Originally Posted by Kamsin

Will keep an eye on the daved, i guess the winch i was going to put on is out the question then

I dont think its out of the question but lets say if Id wanted to fit spotlights, a K&N and tint the rear windows my premium was up by £70.

WTF is that about

(RIP) PLANK · 12-01-2011, 19:23

this has implications for second hand car buyers, for example, if you buy a used car with 16 ich alloys, it may have left the factory with 15 steels, and been upgraded with second hand parts.

What would the insurance say about this if it came to a claim?

Deleted account DD · 12-01-2011, 19:35

Quote:

Originally Posted by PLANK

What would the insurance say about this if it came to a claim?

good question I suspect if it suited them you may find yourself with problems

I was that pissed off with them I asked how they knew which models had what. The reason was my jeep has 17" rims as standard whereas one a few months older and otherwise identical has 16" .

Whenever you go anywhere which uses smart listings for spec & parts it shows up by reg as 16" which gives the incorrect impression that I have fitted rims from a later model as well as suggesting the manf say it has 16 as std.

all they said was "we'll go by manufacturers specifications "

Its endless when you think about it. Theyre worried about alloys replacing steels because it makes the car more desirable/nickable as well as more expensive for them damage replacement wise after a crash.

Howeveryou can extrapolate that to cover all sorts eg if you buy kia sorrento you get kumho tyres on. Fine. What happens if you later fit Goodyear wrangler f1 4x4 tyres which cost about 50% more and meet or exceed all the specs for the vehicle BUT fall into the alloys syndrome for nicking or replacing post collision . Have you breached your policy conditions

Thomas-the-Terrano2 · 13-01-2011, 00:17

good one with tyres,

glad we got you still, had same issue with my cover years ago, some insurers
trying to factor in incidents i had driving a bus for a living, yet having a psv
ticket wasn't a requirement for my car policy. i felt that any other employee
having a non motor related incident wouldnt have it brought into question,
extreme but along lines crashed company fork lift, or computer even, hey
its that daft. after all if you drive for a living say spend 40 hours more on
road than joe average, more incidents are likely to come your way.

glad admiral saw sense, happy 4x4ing...

12-01-2011, 17:56	#1
Kamsin Senior Member Join Date: Dec 2010 Location: East Midlands Vehicle: Maverick 4x4 2.7 TDI 97 Posts: 1,211	Yippy.............Im Staying! As i told you all yesterday i had some bad news from the insurance company and thought the under writers were going to get the insurance voided. They did i got a call today to tell me the under writers had declined my policy due to me being a "High risk". This is the same underwriters that have happily taken £350 a year for 11 years from me without a claim. Thank you "Highway insurance" NOT! (Chris Knott policy holders’ beware) However, after going back to Admiral who gave me the first quote, i though i would give them a chance again and see what happens, so i re-filled out the information on the multicar policy and declared the motorbike accident. It went up bout only £50 on the 4x4 and about £40 on the BMW, £90 in total, i though i can live with that, BUT just to be sure i rang them up to check i had done it right this time. Nice guy on the phone, very help full, UK call centre, i told him what i had done and he said he would check the policy i had filled in, then he got to the accident part, i see you have made a claim, could you tell me what it was for. I told him it was for the motor bike i was knocked off of. MOTORBIKE he said, why are you telling us about a motorbike were not interested in them, only cars, just let me check. He came back and told me the policy i had filled in was now wrong as it had an accident on it and as far as they were concerned it had not had an accident, so he dropped it back to what i started at. Now dont get me wrong, im still paying more BUT only £13 on the BMW and £15 on the 4x4, and i can live with that. So the BAD NEWS for you guys is, I’M STAYING

13-01-2011, 00:17	#13
Thomas-the-Terrano2 Moderator Join Date: Dec 2004 Location: Hackenthorpe Sheffield Vehicle: Terrano2 R20 lwb 2.7TDi Posts: 5,234	good one with tyres, glad we got you still, had same issue with my cover years ago, some insurers trying to factor in incidents i had driving a bus for a living, yet having a psv ticket wasn't a requirement for my car policy. i felt that any other employee having a non motor related incident wouldnt have it brought into question, extreme but along lines crashed company fork lift, or computer even, hey its that daft. after all if you drive for a living say spend 40 hours more on road than joe average, more incidents are likely to come your way. glad admiral saw sense, happy 4x4ing... __________________ M6YTB / 20YTB '60' 2010 Ford C Max Zetec 1.6i, black '56' 2006 Jeep Grand Cherokee 3.0TD, silver 2021 Bailey Pegasus Grade SE Turin caravan Smile, its more likely to confuse. One Life, Don't Just Live It, Drive a Nissan, or ...... a Jeep. Owner of Nissan 4x4s 2005 to 2019, and maybe in the future too!

12-01-2011, 17:58	#2
zippy656 Senior Member Join Date: Aug 2008 Location: Devizes Wiltshire Vehicle: Nissan Note Ntec 1.5 Posts: 14,137	thats good news!!

12-01-2011, 18:00	#3
(RIP) PLANK Senior Member Join Date: Mar 2006 Location: Central England, in the Heart of the Black Country Vehicle: T2 2004 TDI SE LWB Posts: 7,740	well done for sticking at it and sorting it out, these things can be a night mare

12-01-2011, 18:02	#4
Kamsin Senior Member Join Date: Dec 2010 Location: East Midlands Vehicle: Maverick 4x4 2.7 TDI 97 Posts: 1,211	Thanks Guys

12-01-2011, 18:28	#5
Peasgood Senior Member Join Date: Jul 2010 Location: North West Vehicle: Terrano Posts: 228	Oh bollocks.

12-01-2011, 18:38	#6
jace Guest Posts: n/a	get it in triplicate!

12-01-2011, 18:45	#7
Deleted account DD Senior Member Join Date: Sep 2008 Posts: 4,705	Pleased its sorted just beware with Admiral they are shit hot on ANY modification from standard. That includes anything that you may see as trivial. Even safety measures such as reverse camera and sensors that actually reduce the risk to them. I had to pay £17 something to tell them Id fitted them.

12-01-2011, 18:47	#8
Kamsin Senior Member Join Date: Dec 2010 Location: East Midlands Vehicle: Maverick 4x4 2.7 TDI 97 Posts: 1,211	Will keep an eye on the daved, i guess the winch i was going to put on is out the question then

12-01-2011, 19:23	#11
(RIP) PLANK Senior Member Join Date: Mar 2006 Location: Central England, in the Heart of the Black Country Vehicle: T2 2004 TDI SE LWB Posts: 7,740	this has implications for second hand car buyers, for example, if you buy a used car with 16 ich alloys, it may have left the factory with 15 steels, and been upgraded with second hand parts. What would the insurance say about this if it came to a claim?