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Insurance Companies? (VOTES ARE IN!)
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Author:  Ry [ Mon Mar 21, 2011 4:12 pm ]
Post subject:  Insurance Companies? (VOTES ARE IN!)

Who is everyone with?

Just ringing around at the minute, the people in my current circle of worthwhile companies that have offered quotes on my car with a turbo are brentacre, A-plan, sky insurance and i'm currently waiting for Need 2 Insure to get back to me.

Keith Micheals didn't want to waste my time as they said they couldn't quote me under four figures with the turbo. I'm not going to bother with Chris Knott, etc

Are Greenlight worth a try?

Any others you guys can think of?

Cheers
Ry

Author:  dag981 [ Mon Mar 21, 2011 6:27 pm ]
Post subject:  Re: Insurance Companies?

I've just gone with adrian flux, literally 1 hour ago :) they were best quote by a clear £100 and my friend is the same story, for us they have been the best option. I mention my friend as a comparison as I drive a 95 1.6 fsi he drives a 07 2.1 tdi civic, both the same age and he drives loads of miles but still adrian flux were the best :thumbsup:

Author:  chop_suey [ Mon Mar 21, 2011 6:28 pm ]
Post subject:  Re: Insurance Companies?

Im with the insurance factory. Real personal service and good price

Author:  Ry [ Mon Mar 21, 2011 7:31 pm ]
Post subject:  Re: Insurance Companies?

dag981 wrote:
I've just gone with adrian flux, literally 1 hour ago :) they were best quote by a clear £100 and my friend is the same story, for us they have been the best option. I mention my friend as a comparison as I drive a 95 1.6 fsi he drives a 07 2.1 tdi civic, both the same age and he drives loads of miles but still adrian flux were the best :thumbsup:


Used them for years. Really high APR at the time if paying monthly. that's not their fault though.

However I think when they tried to charge me for something they didn't a year previously for now null and void insurance, it annoyed me enough to leave them at the time.

Sadly went with them again the other year, paid in full for my insurance. 2 months in tried to cancel, they wanted to give me about 15% of what I paid them, after them playing me around for a day or two with so called "managers", I got fed up, had to threaten them with the financial ombudsman before they would give me around 75% of my money back.

Really bad service from them twice. There is reasonable grounds for a business and it's methods, and then there is Adrian Flux. Cheap prices, but I wouldn't touch them again, very disrespectful broker company. :)

Author:  Ry [ Mon Mar 21, 2011 7:35 pm ]
Post subject:  Re: Insurance Companies?

chop_suey wrote:
Im with the insurance factory. Real personal service and good price


Cool beans, will give them a go :)

Author:  DarrenFsi [ Mon Mar 21, 2011 7:37 pm ]
Post subject:  Re: Insurance Companies?

i was with equity red star few years ago
good price and they covered my mods i was 19 at time :thumbsup:

Author:  Percy [ Mon Mar 21, 2011 7:51 pm ]
Post subject:  Re: Insurance Companies?

Admiral have been the best for me 3 years in a row now.

Author:  Ry [ Mon Mar 21, 2011 7:58 pm ]
Post subject:  Re: Insurance Companies?

I've not really tried any main companies, they don't tend to cover modifications on a like for like basis in my experience, never mind turbo kits.

Author:  onslack [ Thu Mar 24, 2011 1:30 pm ]
Post subject:  Re: Insurance Companies?

only just seen this

as you know i'm with need to insure( i go on about it enough :lol: )

i was with flux when i first got my cossie and they were shit for price and they wouldnt do shit for me even though id been with them for 2-3 years! so i left

i went to green light who were for me at the time the best i could find, but when it came to re-newal time they took away the agree'd valuation i had on my cossie, all they said about it was they no longer offered it so off i went as i wasnt prepared for them to want to pay book value on my car which is what like 1k maybe 2k at a push for a sierra? :hmm:

thats when i found need to insure via the rsoc and its been a pleasure being with them i always deal with the same person so he knows me and my policy, real car enthusiast too! you cant bull shit him on spec's as he knows his shit. only bad thing ( and i assume its the same for all modified policies) i cant drive other peoples cars as its just not an option at all :cry: , other than that its spot on :thumbsup:

Author:  Chris [ Thu Mar 24, 2011 1:38 pm ]
Post subject:  Re: Insurance Companies?

Aviva.. They alloy up to 5 mods though, (which are all under a category and then £££) So you could just put "turbo" "£1000" :lol: They don't ask questions.

They were cheapest for me anyway, never tried flux due to them having a bad rep. spose I should have if there cheap.

Author:  Ry [ Thu Mar 24, 2011 1:42 pm ]
Post subject:  Re: Insurance Companies?

Yeah thanks for letting me know about them Terry, The best offer I *had* was from Sky Insurance, but then need to insure came along and offered me the same quote but:

with protected no claims
free adjustments to modifcations with no admin fees
£138 cheaper

Brentacre who I'm with couldn't match it, Insurance Factory and Keith Micheals couldn't get close (£1500-ish!) But I still need to check with A-Plan and Sky to see if they can better the deal.

Greenlight weren't bad, but their quote was stil about £80 more than Sky insurance. Might try them again next year.

Will update next week with who I've gone with as my insurance isn't up until the 1st, still a few companies to try! :)

Author:  sjoyce666 [ Thu Mar 24, 2011 1:48 pm ]
Post subject:  Re: Insurance Companies?

I'm waiting on a price back from Need2Insure on a car I am looking at. I have dealt with them before when my FRST was on the road and they were very good which is why I went back to get a quote again

Author:  skyinsurance [ Thu Mar 24, 2011 1:52 pm ]
Post subject:  Re: Insurance Companies?

Chris_ZS wrote:
They don't ask questions.



They will if you have a claim!

Author:  skyinsurance [ Thu Mar 24, 2011 1:53 pm ]
Post subject:  Re: Insurance Companies?

Ry wrote:
Yeah thanks for letting me know about them Terry, The best offer I *had* was from Sky Insurance, but then need to insure came along and offered me the same quote but:



When you have finished shopping around, drop me a PM and I'll have a look at your quote.

Thanks

Ollie
Sky Insurance

Author:  sjoyce666 [ Thu Mar 24, 2011 2:01 pm ]
Post subject:  Re: Insurance Companies?

I spoke to Sam at skyinsurance for a quote and they couldnt beat the £320 FC I was quoted with by HIC. Best I got from sky was £330 TPFT and that was if I took out the policy immediately

Author:  Chris [ Thu Mar 24, 2011 2:02 pm ]
Post subject:  Re: Insurance Companies?

skyinsurance wrote:
Chris_ZS wrote:
They don't ask questions.



They will if you have a claim!


Well I have got everything covered. Its just for my coilovers its just classed as "suspension changes" normally companies want to know how much its lowered by and what sort of lowering it is. all they know is its worth £300. :lol: I would expect them to pay out!

Author:  Ry [ Sat Apr 02, 2011 9:13 am ]
Post subject:  Re: Insurance Companies?

I'd just like to say thanks to all the insurance companies. In the end it came down to a Sky Insurance vs Need to Insure battle!

Sky insurance could undercut Need to Insure by around £35 (which was a total drop of £170), however this was with £100 higher excess, unprotected no claims, 10k mileage limit and sadly they couldn't not charge me an admin fee of around £20 each time if I had to change my list of modifications at any point in the future, though they did say to let them know of any modifications I plan to do and they will just put them on the list so that was good of them.

Sadly I told Need to Insure, and they undercut Sky Insurance by a further £44, with:
£250 excess (last year I had a £500 excess and didn't realise!)
Protected No claims
Unlimited Mileage
No Admin Fees if I desire to call up and tell them I now how different wheels, a different manifold or coil overs, etc (much like Brentacre!)

It's been a battle as I only found around 5 or 6 insurance companies that would insure initially me for a realistic price with the turbo.

However it pays to PHONE and see what they can do as once I had the quotes, between my first and final quote i managed to make a saving of £336. Sadly I ran out of personal time so I couldn't see if Sky could better the quote, but it more came down to the additions than the actual yearly price.

So a big thank you to the good insurance companies for their time.

Need to Insure
Sky Insurance
Graham Sykes
Brentacre

Ry :)

Author:  Jam [ Sat Apr 02, 2011 11:54 pm ]
Post subject:  Re: Insurance Companies? (VOTES ARE IN!)

well done mr ry. ill keep those in mind when i have to insure the si..whenever that may be, ive phoned flux for quotes for another of my fleet because they were its previous insurer,as its a bit oddball. now even though the car is an import and has been since '82 and went straight off to be converted to right hand drive. they still felt the need to try and sting me for 680 odd quid and even at 26 (soon to be 27) plenty of NCB,clean licence they still used my age,engine size, the fact its an import by which point i stopped listening. went on go compare...got it down to under 300 quid, i still need to do a bit of legwork with phoning up but to halve it in 10 mins...disgusting performance from flux imo, satan will be buying ice skates before i hand my money over to them.

Author:  Ry [ Thu Mar 29, 2012 9:45 pm ]
Post subject:  Re: Insurance Companies? (VOTES ARE IN!)

Went through this again during the week.

In order of decent quotes and service.
6. graham sykes
5. sky insurance
4. brentacre
3. need 2 insure
2. greenlight

and the winner was... Undercutting my renewal by price by £183, which has lowered my premium from last year by £79...

A-Plan! :D

Not bad. 300BHP limit/protected NCB/unlimited mods/like-for-like on mods still, and swapped my unlimited mileage to 9000 miles HOWEVER on the flip side I can now drive all other cars again third party with the owners permission which is something need 2 insure couldn't provide.

Who said insurance prices have risen for everyone? You just need to spend a few hours on the phone ringing around and not use any price comparison sites.

Hope this helps people find a decent insurance company from the companies I've tried and had decent quotes and a good level of service based on first impressions and experience.

Author:  Chris [ Thu Mar 29, 2012 10:09 pm ]
Post subject:  Re: Insurance Companies? (VOTES ARE IN!)

Ahhhh man I should have done more ringing round really but my first quote from flux was the best after 4 more people basically told me I had no chance beating their quote I gave up.

I want third party insurance for other cars and like for like mod/unlimited mods! And this years I can protect my NCB so will come back to this thread.

Sticky it or something lol

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