Insurance

[maggi200]

It's business. It's unfair, maybe, but they've lost money, and lots of it. They have no other option but to scrape ti back from us consumers. It's going up regardless of mods or not, plus the modifications you have made, and those you haven't declared.

The stickers, are actually mods to the extent you've had them applied, as are technically the painted parts. It is NOT how the car would be standard regardless of where it was changed. Even optional extras are items to be declared

 

[Courtney]

Ye, but when i stated that the car had stickers and painted extras they said that they do NOT count as modified parts because they do not enhance the performance in any way whatsoever.

 

[Sam]

It's business. It's unfair, maybe, but they've lost money, and lots of it. They have no other option but to scrape ti back from us consumers. It's going up regardless of mods or not, plus the modifications you have made, and those you haven't declared.

The stickers, are actually mods to the extent you've had them applied, as are technically the painted parts. It is NOT how the car would be standard regardless of where it was changed. Even optional extras are items to be declared

At the end of the day different insurance companies will offer different policies and terms. Whilst some would classify the insurance value to be the value of the car when new and charge extra for certain modifications, most will just charge extra for major changes to the vehicle. It's no good declaring to your insurance a sticker that cost 50 pence to manufacture and then have the insurance company charge you more for adding it, they would more than likely just laugh at you.

 

[maggi200]

Which is why you look at the terms and conditions and their guidlines and follow them. Different companies true, will only charge for performance mods. But my point still stands.

And tbh, this thread is also useless considering there are other companies and that's why you should always hunt around. It's also worth pointing out, adrian flux are NOT an insurance company. They are merely brokers and not the underwriters. They will need to know these things because they will deal with the different companies with different policies.

 

[Courtney]

And tbh, this thread is also useless considering there are other companies and that's why you should always hunt around. It's also worth pointing out, adrian flux are NOT an insurance company.

If you read back to the first post, the idea was about other people's input on insurance companies.
And as for Adrian flux, I didn't know that they were only a broker.


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I am here: https://maps.google.com/maps?ll=50.838307,-0.075785

 

[maggi200]

Now you know they merely get you the best price they can with the info they got.

And fair enough, admiral seem to be dishing out cheap deals to most people I've spoken to. And are mod friendly in my experience, but only replace with oem in case of a claim. Sister to Hastings though if that puts you off? In my experience admiral are quite good plus you get to speak to some welsh birds, bit of a thing I've got about welsh women

 

[DrDrew]

In my experience admiral are quite good plus you get to speak to some welsh birds, bit of a thing I've got about welsh women

Odd reason to pick an insurance company :lol:

 

[maggi200]

Well it's only a bonus. They're probably dogs but they sound hot

 

[gsidave]

I've been with admiral for years but come renewal on the twingo they were well of the Mark. So I've gone and compared travelled a super meerkat and in the end save myself 150 quid.

 

[Alex_225]

I use Elepant.co.uk and have found them perfectly good on price and service for the last 5 years or so.

The only thing I find is that their renewals come through too high, so I simply do a new quote on their site and renew at that price. It's usually cheaper each year so all good.

 

[Penn]

Elephant were the cheapest for me on my 200 by £700 this year and I cannot fault them as a company.

 

[Sam]

Elephant were the cheapest for me on my 200 by £700 this year and I cannot fault them as a company.

Elephant/Admiral are sister companies, so if one gives you a cheaper quote than the other when your renewal is due, and you want to stick with the same company, give them the quote from the other party and they will match it

Found this out when Elephant took payment for insurance renewal even though I had cancelled the policy having found a cheaper deal from Admiral. Phoned them [Elephant] up and had a go at them and then they asked who I moved to, I told them and they said "You should have given us your quote reference as we would have matched it as Admiral is a sister company", despite the fact the renewal quote Elephant initially offered me was much higher than the fresh quote I got off Admiral and much higher than what I paid to take out the original 12 month policy with Elephant :S
Perhaps I would have done this had they actually have made it clear anywhere on their website that they were sisters.

Anyway thought I'd share that bit of info with you all lol

 

[Courtney]

Elephant have come up the cheapest so far for me, which is nice. Not in a rush to change because mine doesn't run out till March next year but have had enough of Hastings and there unwillingness to take into account loyalty. But that's another story!


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I am here: https://maps.google.com/maps?ll=50.838277,-0.075809

 

[gavin-h]

Got mine with the Meerkats this time. Hastings Direct iirc. £250 incl. protected ncb.

Always used a local broker before but they just won't play ball at the moment.

 

[Penn]

Elephant were the cheapest for me on my 200 by £700 this year and I cannot fault them as a company.

Elephant/Admiral are sister companies, so if one gives you a cheaper quote than the other when your renewal is due, and you want to stick with the same company, give them the quote from the other party and they will match it

Found this out when Elephant took payment for insurance renewal even though I had cancelled the policy having found a cheaper deal from Admiral. Phoned them [Elephant] up and had a go at them and then they asked who I moved to, I told them and they said "You should have given us your quote reference as we would have matched it as Admiral is a sister company", despite the fact the renewal quote Elephant initially offered me was much higher than the fresh quote I got off Admiral and much higher than what I paid to take out the original 12 month policy with Elephant :S
Perhaps I would have done this had they actually have made it clear anywhere on their website that they were sisters.

Anyway thought I'd share that bit of info with you all lol

Admiral, Elephant, Bell. All the same company and each one will match each others quotes

 

[Courtney]

So I've heard/seen people say admiral and Hastings are the same company, and admiral and elephant are too. So surely Hastings and elephant should be related somewhere along the line? Because elephant is currently about £700 cheaper than Hastings, and when I said that they didn't car and wouldn't do anything?! (not that I'm complaining my insurance is too expensive when I agree with paying high insurance sometimes)


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I am here: https://maps.google.com/maps?ll=50.800056,-0.037827

 

[gsidave]

Because it's law to have insurance, company's can get away with charging what they want putting young people off the road due to cost. Then they wonder why people chance no insurance. And no I'm not condone it before anybody jumps on the bandwagon.
Insurance needs to be a government run scheme where you pay a set fee based on age and cc.

 

[Penn]

So I've heard/seen people say admiral and Hastings are the same company

Never heard of that relationship before. In fact I've never heard of Hastings insurance before lol.

 

[maggi200]

Because it's law to have insurance, company's can get away with charging what they want putting young people off the road due to cost. Then they wonder why people chance no insurance. And no I'm not condone it before anybody jumps on the bandwagon.
Insurance needs to be a government run scheme where you pay a set fee based on age and cc.

Everyone moans, but they're companies at the end of the day and their main mission is to make money. Plain and simples. And the fact is, they don't at the moment. It's a spiral, a few people don't pay and have a few accidents, they pay out with no premiums to cover that. Cost goes up, more people dont pay, cost spirals further up, and round and round it goes. We can all moan, but it won't change anything because it's already a best case scenario in reality. The more fake accidents, none insured drivers and those who feel it's their 'right' to claim whiplash after any accident regardless of having it or not, the more it will go up.