Audi TT Forum banner
1 - 18 of 18 Posts

·
Registered
Joined
·
7,053 Posts
Discussion Starter · #1 ·
So, with renewal time here again I think lets have a look round see what price I can get. While there are 4 insurance companys advertising on here lets try them, well...

SKY insurance - complete joke they just dont cover manchester postcodes..
Greenlight - Filled in all the forms, their online quote wont quote me says i will get an email with a quote in a day or so, look today and oh wait, they wont insure manchester postcode either.
ChrisKnott - After filling in too many forms online i decide to call them yesterday, on hold for 15mins still 2nd in the que hahaha so hung up.

Only Flux left to try which i will do on monday, but for gods sake im a mile into a manchester postcode from warrington and the great TT insurers wont cover it and yet lots of other companys will no problem. If your not willing to cover areas, which is pathetic as you should base it on the person/car history, the least you can do is state it on here and your own websites to save wasting peoples time!!

Rant over... well for now :x
 

·
Registered
Joined
·
512 Posts
Hi,

first of all, thanks for giving us a try and apologies we couldn't help.

To explain the area issues a little more, certain postcodes are excluded from our specialist vehicle/car club schemes by the underwriters we use. The reason we do not publicise the area criteria we have is that it is extremely complex and would cause utter confusion. We insure many people in excluded postcode areas, but not via our specialist schemes. Unfortunately, the last time we insured in the 'M' Manchester postcode area, our underwriters paid out over £2 for every £1 taken in premiums, so this is the underlying reason why we have the exclusion. It can be frustrating for us as well, when you have a customer who ticks all the boxes, it is painful to say, I'm afraid we cannot help you.

We review our area criteria on a regular basis but unfortunately I cannot see the 'M' exclusion being lifted any time soon. It is a high risk area for car insurance, it's double that high risk when you specialise in modified, performance and imported vehicles.

I hope that goes some way to explain our issue.

Thanks
 

·
Premium Member
Joined
·
333 Posts
Danny1 said:
So, with renewal time here again I think lets have a look round see what price I can get. While there are 4 insurance companys advertising on here lets try them, well...

SKY insurance - complete joke they just dont cover manchester postcodes..
Greenlight - Filled in all the forms, their online quote wont quote me says i will get an email with a quote in a day or so, look today and oh wait, they wont insure manchester postcode either.
ChrisKnott - After filling in too many forms online i decide to call them yesterday, on hold for 15mins still 2nd in the que hahaha so hung up.

Only Flux left to try which i will do on monday, but for gods sake im a mile into a manchester postcode from warrington and the great TT insurers wont cover it and yet lots of other companys will no problem. If your not willing to cover areas, which is pathetic as you should base it on the person/car history, the least you can do is state it on here and your own websites to save wasting peoples time!!

Rant over... well for now :x
Hi,
Hopefully we can help with the quotation.
Regards,
Dan.
 

·
Registered
Joined
·
7,053 Posts
Discussion Starter · #4 ·
Well done a quote through Flux today and doesnt look good, they arnt near my best quote yet but have referred it to the underwriters to see if they can go lower....
 

·
Registered
Joined
·
7,053 Posts
Discussion Starter · #5 ·
Just an update, Insurance was sorted through Flux, dealt with a great girl on the phone, very quick and easy quote, it wasnt cheaper than i had got already however next day i received an email with a lower quote that beat my best by £50+ great service and im happy at least one of the specialists covers Manchester....

Thanks Adrian Flux!!!
 

·
Registered
Joined
·
493 Posts
I'm covered by a broker called Brentacre. Where I live is not the best postcode (lad got murdered in my street last year!) But it's £560 fully comp on a stage 1 TT mk1 225 coupe. 4 years ncd. They allow free of charge cosmetic mods (wheels, suspension etc) and really do try their best to cover anything. My old car was a Focus T190 (back for sale on eBay incidentally) which was a RS prototype and one of 17 done by Mountune and covered that for £500 while most RS specialists including Flux were well off the pace (£630+)

Give them a try :)
 

·
Registered
Joined
·
7,053 Posts
Discussion Starter · #7 ·
Torque said:
I'm covered by a broker called Brentacre. Where I live is not the best postcode (lad got murdered in my street last year!) But it's £560 fully comp on a stage 1 TT mk1 225 coupe. 4 years ncd. They allow free of charge cosmetic mods (wheels, suspension etc) and really do try their best to cover anything. My old car was a Focus T190 (back for sale on eBay incidentally) which was a RS prototype and one of 17 done by Mountune and covered that for £500 while most RS specialists including Flux were well off the pace (£630+)

Give them a try :)
My insurance is all payed for and sorted now mate, thanks for the info but brentacre were a waste of time again not insuring
"M" postcodes....
 

·
Premium Member
Joined
·
333 Posts
Danny1 said:
Just an update, Insurance was sorted through Flux, dealt with a great girl on the phone, very quick and easy quote, it wasnt cheaper than i had got already however next day i received an email with a lower quote that beat my best by £50+ great service and im happy at least one of the specialists covers Manchester....

Thanks Adrian Flux!!!
Hi,
Glad we could help out.
Regards,
Dan.
 

·
Registered
Joined
·
4,112 Posts
I'm sure these insurance companies must think Manchester is somewhere near Kandahar! I've not made an insurance claim for over a decade, and all the time been living in Manchester. Can't imagine how I've survived!

Just got my renewal notice through from Elephant who even though they are just a mainstream insurer seem perfectly happy to quote for a modified TT within an M postcode when the so-called specialists run for cover, and they don't charge the earth for it either. So how about a challenge to you guys who profess to be specialist car insurers? Can you beat someone from the mainstream and if not what makes you specialists?

My postcode is M27. I have a 2002 225 TT coupe with a stage 1 remap, modified suspension (Koni shocks and Eibach springs - not coilovers), a Blueflame exhaust and some minor engine tweaks such as a K&N filter and silicone hoses. It's probably worth no more than £4500. As said, I have a maximum no claims bonus (10 years+), I'm 44 years old, married (a 45 year old wife with no claims to be a named driver who has a car of her own). I'm a police officer and she is a nursing sister and neither of us have any convictions. We have no kids. I need limited business use (different places of work to commute to). The car is parked offroad on a drive and it is fitted with a tracker.

Think you can beat £500? Drop me a line.

The gauntlet is down - prove your worth!
 

·
Registered
Joined
·
1,585 Posts
Mark Davies said:
Nobody then. Very telling.
With due respect, don't think an insurance company would ever haggle with each other in this manner. They don't need to. We're dealing with brokerages and brokers never lose money ;-).

Realistically, the law needs to change. The criteria needs to be simplified and the quotes need to discriminate why are they high or low. I had an insurance company quoting me 3 times more than I currently pay (and is the same underwriter).
The specialist ones at least know what modifications mean and can effectively negotiate based on whatever margins/risk they expect (or at least I hope). So to me they're still the ones to go to first.
 

·
Registered
Joined
·
7,053 Posts
Discussion Starter · #15 ·
Mark Davies said:
Nobody then. Very telling.
For the record Mark I got mine for £470 fully comp with the mrs on as named, 225 standard and im 31 11yrs NCD clean licence etc. Maybe Adrian Flux would be good for you to, but the others on here are a joke! im less than 1 mile out of Warrington but seems like im in Iraq to the specialists :p
 

·
Registered
Joined
·
4,112 Posts
SkyIns said:
As above, we have an exclusion via our car club scheme on all 'M' manchester postcodes.
And how much business is being lost as a result of bone-idle, blanket bans such as that?

Elephant have had the good sense to see that I've been driving this car for over 8 years, all the time living at the same house in the same M postcode and without making a single claim for over a decade. They have the sense to assess my individual risk rather than just assuming all half a million people living in this city are an equally unacceptable insurance risk - and as a result have got themselves my business and in all liklihood will be £500 up on the deal this year, yet again.

I appreciate insurers are in business and are not supplying a public service, but car insurance is compulsory and we can't end up in a position where the entire population of major cities in this country find themselves unable to get insured because those companies involved are too idle to be bothered to assess individuals' risks properly.

A share of perhaps a hundred thousand premiums in Manchester (and then all the rest in other cities equally discriminated against such as parts of London and Liverpool) is a lot of money. If Elephant find themselves able to give sensible and realistic quotes in these areas then perhaps they deserve to clean up the market. But if they can do it, why can't you? At the rate I was charged at that's perhaps £50m of business in Manchester that you feel incapable of competing for because you're unable to differentiate who is a risk and who isn't. As I see it that's tantamount to an admission of incompetence and I'd be embarrassed to put myself in that position.

(Danny, I phoned all the specialists last year and they all declined the moment I said I was in Manchester. I'm not going to waste my time and money chasing these people up again - which is why I thought I'd post the challenge here to see if any of them were brave enough to actually offer a service.)
 

·
Administrator
Joined
·
33,474 Posts
SkyIns said:
Why does the quote tab not work on this forum?
You must have BB code disabled - it's in the options under the edit window. You should have it loking like this:

[ ] Disable BBCode
[ ] Disable smilies
[ ] Do not automatically parse URLs
[●] Attach a signature (signatures can be altered via the UCP)
[●] Notify me when a reply is posted
 

·
Registered
Joined
·
7,053 Posts
Discussion Starter · #18 ·
Yeah I agree Mark completely, what really annoys me is, taking Manchester as an example, its a big place and although the specialists dont seem to care in the slightest, If you take Moss side for eg, has probably cost insurers quite abit in claims, but as I live right near Awesome, im pretty sure Cadishead does not have a bad record for claims!

Why is it insurers are able to discriminate in this way?????
 
1 - 18 of 18 Posts
Top