Jim 1 Posted February 23, 2015 So I rang up to get a quote for my Corrado VR6 with yourselves on Friday. Have just had a call back this morning to tell me that you were unable to get a price for me for insurance (having spoken to your underwriters) and that I should try you guys again next year instead? I'm 34, with no points / claims / accidents / endorsements, and looking for a limited mileage policy (2000 a year) on a car that's always garaged and only has a handful of normal Corrado modifications. What gives? Quote Share this post Link to post Share on other sites
C5 OEM 0 Posted February 23, 2015 (edited) This happened with footman james after 8 years with them, they had changed under writers....on a side not classic line insurance have quoted me recently and blown the rest away on price and service.... £235 on a corrado Edited February 23, 2015 by C5 OEM Quote Share this post Link to post Share on other sites
Jim 1 Posted February 23, 2015 Peter D James quoted me £252 which I'm happy with. Just thought I should be diligent and ring around a bit. Just can't understand how I'm not a safe bet for an insurance company really. Baffling. As a moderator on the forum it's hard to endorse / stand behind an advertiser if I can't actually get a policy with them! :) It also means that other Corrado owners may struggle... Quote Share this post Link to post Share on other sites
Gwr vr6 10 Posted February 23, 2015 This happens a lot on sites that I go on from Mlr to msoc evo and Scoob site . They have insurance company's that can't wait to jump on . Offer lots of so called incentives . But then offer crap prices . Gary moulsen at Adrian flux , a so called huge insurance company who specialise on scoobs evos etc quoted me silly money on my blob eye Sti because it was running over 500 bhp . I always shop around and spend hours doing it . No one likes getting ripped off Quote Share this post Link to post Share on other sites
Dox 22 Posted February 23, 2015 I paid £365 with admiral for my modified daily MK4 tdi estate and standard VR6 limited to 3000 miles (they matched a Tesco quote - they also own Tesco insurance.....) I'm 48, no accidents or convictions Quote Share this post Link to post Share on other sites
ChrisKnottIns 0 Posted February 23, 2015 Hi Jim, we must have given you a reason. It can't be due to inexperience of the VR6 surely? I know this one's a 2.9 but you've had Corrados before and it looks like you have a Fiesta ST2 too. best, Nick Quote Share this post Link to post Share on other sites
Jim 1 Posted February 23, 2015 Nope. It was admittedly a voicemail, but was just told that the underwriters wouldn't give a price. I've owned Corrado's for about 12 years and I've had my VR6 for four years. I'd understand if we were talking about a Veyron here, but even then at 34 I'd think I'd have a shred of sensibility and not put it into a ditch within a week. I'd love to know a reason if you're able to find out why I was declined a policy? Quote Share this post Link to post Share on other sites
ChrisKnottIns 0 Posted February 23, 2015 Nope. It was admittedly a voicemail, but was just told that the underwriters wouldn't give a price. I've owned Corrado's for about 12 years and I've had my VR6 for four years. I'd understand if we were talking about a Veyron here, but even then at 34 I'd think I'd have a shred of sensibility and not put it into a ditch within a week. I'd love to know a reason if you're able to find out why I was declined a policy? Weird. Please could you PM me your full name and postcode and I'll take a look. I'm out in London for the rest of the week but will try and get answers during that time. Quote Share this post Link to post Share on other sites
Jim 1 Posted February 23, 2015 Excellent. Will do. Thanks! Quote Share this post Link to post Share on other sites
Roger Chatfield 0 Posted February 23, 2015 Jim, I wonder if it's because it's a 2nd car policy, I assume you have used your no claims on the Fiesta, as I understand it you can only use your NCB on one policy, have you tried to use it on the Raddo and its maybe refused you because of that. Rog. Quote Share this post Link to post Share on other sites
Jim 1 Posted February 23, 2015 I was under the impression they'd be able to offer a typical 'classic' type policy where no NCB is applied, or earned when the car is a second car and does limited mileage as many other specialist insurers do. If that's not the case then that's fine of course :) But there was no mention of no claims in terms of setting up the quote so I figured we were both on the same page in terms of what I was after. Quote Share this post Link to post Share on other sites
seanl82 23 Posted February 23, 2015 NCB isn't generally taken into account on classic policies anyway, although some will mirror it. You can't accrue NCB though I believe. Edit; Doh, didn't see the second page you'd replied on Jim. :bonk: Quote Share this post Link to post Share on other sites
Roger Chatfield 0 Posted February 23, 2015 I'm sure there a simple reason to not getting a quote, I was just thinking that because it's a computer based quote as soon as it sees something different to the morn it's just binned the quite out... Just an idea. Rog. Quote Share this post Link to post Share on other sites
ChrisKnottIns 0 Posted February 23, 2015 Computer-generated? How dare you :) Quote Share this post Link to post Share on other sites
Roger Chatfield 0 Posted February 23, 2015 Sorry, I just assumed Jim had done his quote online. Rog. Quote Share this post Link to post Share on other sites
Jim 1 Posted February 23, 2015 Apparently the combination of modifications and the fact the car is not garaged at my home location but elsewhere was enough for the underwriters to decline to insure me. Thanks Nick for looking into it so quickly and a shame I can't insure my car with yourselves! Quote Share this post Link to post Share on other sites
Wayne2015 10 Posted February 23, 2015 Apparently the combination of modifications and the fact the car is not garaged at my home location but elsewhere was enough for the underwriters to decline to insure me. Thanks Nick for looking into it so quickly and a shame I can't insure my car with yourselves! Most classic insurers only insure cars from 1994 (20 years old). There are some who insure less years, but prices go up. And yes, NCB usually not considered and not accrued. As underwriters changed, so can renewal declined as the terms and conditions changed :( For example, Peter James changed their T&C from insuring classics being 20years old to 30years old as stated on their website!!! But if u ring them then they usually insure your car for less years....as do SKY and Adrain Flux etc I can see maybe why you were declined insurance due to a different address. It could be underwriters do not want to be exposed to drivers using someone else s safer postcode to insure their cars. But having said that, u have been with Knott's for a number of years and its a shame that its true again, LOYALTY nowadays amount to nothing. Its probably not Knott's fault either, as their hands tied by the underwriters :( Still, At least u got a new insurer :) Now go and demand UNLIMITED mileage cover for free as I did !!! ;) And enjoy the Corrado as intended! :) Disclaimer: I am no expert at anything, just my tuppence ... Quote Share this post Link to post Share on other sites
Aqvila 0 Posted February 25, 2015 Graham sykes are quite reasonable... Quote Share this post Link to post Share on other sites
Jim 1 Posted February 25, 2015 Might give them a call at lunch time - thanks. Quote Share this post Link to post Share on other sites
KIPVW 0 Posted February 25, 2015 Have the Nugget and VR with peter d james too Jim. They were superb when i needed it with the Nugget incident so definitely recommend :) Quote Share this post Link to post Share on other sites
Jim 1 Posted February 25, 2015 Graham Sykes well off with their price so think it's going to be Peter D James. Cheers for the recommendation Kippy! Quote Share this post Link to post Share on other sites
Wayne2015 10 Posted February 25, 2015 Graham Sykes well off with their price so think it's going to be Peter D James. Cheers for the recommendation Kippy! Peter James for me too, Jim! Remember to demand unlimited mileage - but only be a tenner or more ;) Quote Share this post Link to post Share on other sites
KIPVW 0 Posted February 25, 2015 Got agreed value for 12k and 3000 mls for £280 ish. With P D James do can't grumble at that. Quote Share this post Link to post Share on other sites
Roger Chatfield 0 Posted February 26, 2015 Have you tried Adrian Flux, they were the cheapest for me. Rog. Quote Share this post Link to post Share on other sites
seanl82 23 Posted February 26, 2015 Have you tried Adrian Flux, they were the cheapest for me. Rog. Me too. marker study through Adrian Flux, £198 but without key cover and recovery, which I have elsewhere anyway. Quote Share this post Link to post Share on other sites
