ok, when i was taking out my policy i specifically asked about requirements of a tracker etc. for theft, and was told that i did NOT require a tracker to be covered in the even of theft. (i asked becasue other insurers had insisted on a tracker)

policy documents turned up today and guess what, theres a section stating that the car is not covered for theft unless it's got an operational tracker so the car's not insured for theft

so, what are my options other than shouting down the phone at callcentre staff?

i don't really want to cancel the policy, as i nobody else seems to be able to offer a competetive quote

 

kick off mate , most of there phone calls are recorded.
they have miss sold you the policy in my opinion.

 

Try Greenlight - as they are in your recommendation list

Contact your broker again, the policy document print version you have may be out of date or been revised. Be deffo wise to check

 

I use Norwich Union for the M5, and they are very very competitive. Try them - They also do not require a tracker.

The TRacker systems are utter shite. Over priced bollocks, and they charge you for everything. If you have to have one, make bloody sure it isnt one of their shite ones!

JJ

 

nuts, greenlight can't do E36 M3s

 

spot on there

jim if you can rember the time and day of the call thay can listen to it

 

jim if you have no luck i can see about the price of a tracker at work

i know i could get em for 200 quid when i was at volvo not sure about ford though but ill check for ya


not ideal but might be a option

 

i quite fancy a new alarm, so could go for the alarm+tracker otpion.

still i'm fucked off with the lying cnuts tho... ive never had good dealings with them

 

Greenlight cant do a m3

They wont do rs500"s either

WHAT DO THEY COVER

anything over 50bhp is a no no with them

 

Jim,

HIC did the same to me.

Not sure who the underwriter is (probably the same - Highway or someone)?

Just another way of them getting out of it when the car goes walkies.....

 

jim, these beat adrainflux and greenlight for me worth ago,

got an online quote submit thing, then get back to you via phone

http://www.noeldazely.co.uk/

 

 

just dug out the WRITTEN QUOTATION they sent me.

states in need a thatcham cat1 to be covered, NO mention of a tracker. got it in writing now!

underwriter is royal&sun alliance

i'll be on the phone looking for a new insurer tomorrow

 

they won't do STANDARD vRS Skoda either!

 

Hi paul

greenlight wont touch any rs500 any more because of bruces car


they will do the same to the 3dr if any more get stolen

marco

 

it's a business, so i can understand it if they cut their losses, but pretty soon no one will be able to offer cover on the higer end of the price scale and then we'll all be fucked over by paying silly prices for everything we drive

 

Marco

so because 1 of aprox 200 cars left of only 500 ever made gets " nicked " thats it ,,we wont cover any others

If you go on a percentage of how many 500"s were built and have been nicked compared with any other cossie i am shure they must be a better risk than any other cossie

Just seems to me that greenlight dont offer a very good wide rang service to me

If all insurance people did the same we wouldnt be able to insure a bloody thing

Another case of " computer says NO " just s joke to me ,
I have a car that has quality alarms and imobs , is locked in a very very secure alarmed garage , Parts removed so it wont start ,When it is driven its onlt to shows etc , its never out of my bloody view , and does less than 2,000 miles a year , and they dont want to cover it
Bloody good risk i would have thought

 

Jim, they DO record all phone conversations because I was in a similar situation with my S2 ZVH when I tried to get it insured with them.

Rang them up and listed all the modifications for which they gave me a price for. I then filled out the paperwork etc and sent in photos, one of which showed the cone filter but according to them, I hadnt stated that originally and they gave me 14 days to pay up almost Ł200 EXTRA otherwise they'd cancel my policy. I rung them up saying that I had stated the air filter originally and 2 days later (once the manager had listened to the phone conversations) they rang me back and apologised... well they said it was their mistake and that I wasnt obliged to pay it... cheeky cunts!

nothing but a bunch of amateurs, god forbid you ever had to claim through them

 

Been there, done that, 3 months and the ombudsman to settle a total loss claim. Avoid like the plague.

 

Avoid any **oyds underwriter its cheap for a reason.........

As for tracking devices thats a racket as well check out the 'main' co's website then try and get one fitted for the 438 they quote.........

but in 3 weeks of looking they ALL seem to be the same

 

it's almost worth getting a "rogues gallery" put up to highlight all the shoddy stuff that happens here isn't it
and mirror i with a hero's galery for all the good stuff that happens

i'm sure thatone list would soon be bigger than the encyclopedia britannica, 27 volumes worth

 

Try Dominion through the RS owners club.

If it does get nicked they will pay the agreed value and quickly and painlessly.

 

Jim, did you try Norwich Union? They were very good for me on the M5

JJ

 

members only or can anyone get the info?
would be worthy paying the fee for decent insruance, but not just for a quote

 

I'm fairly sure it is members only, but then again you're going to have to be
a member to get a cast iron valuation from one of the registrars.

 

Another thing to consider is....
(I've just noticed what vehicle we're talking about....)
If it's subject to any finance agreement and you don't have an agreed valuation for goodness sake get some 'Gap' cover cos if it does get
nicked or written off...
The amount the insurers offer may be CONSIDERABLY less than
any outstanding finance no matter what value you yourself
put on the vehicle or even what it would cost to replace in
the real world .

 

Also kiddies I just noticed talk of the ombudman above...

Another thing to consider is if taking out any kind of company/commercial
policy you're not covered by the Ombudsman/yet another pitfall
out there.

 

You PM'd me to request as to why we could not cover your RS500, which I responded to in a detailed eloquent manner.

Yet despite this you choose to publically rubbish Greenlight .

We are a specialist vehicle Insurance provider who were established 11 years ago to cater for the performance/modified vehicle driver.

You portay yourself as an "exceptional risk" due to limited mileage, but have zero NCB to use due to covering these vehicles through a Traders policy previously.

Presumably the loophole has been closed, or they are now rating individually on a specific vehicle basis through your having to disclose all vehicles on traders policies these days (Motor Insurers Database requirement).

As with traders policies, classic policies that cover modified vehicles will also end up tightening their criteria and when they do there will be an awful lot of people left high & dry without NCB due to classic car policies failing to accrue NCB.

Anyone that has been on a classic policy for 2+ years without keeping their NCB current upon an everyday vehicle runs the risk of their NCB expiring and not being able to be used again - so you have to be careful and mindful of this.


Greenlight are not the only broker in the world and our exclusions are purely based upon our historic claims experience - would you continue to lose money for more than 3 years for something that is wholly unprofitable, which requires other clients premiums to subsidise the loss??

I think not!


Greenlight are UK based, have never adopted overseas call centres and do not deal with scheme Insurers who overtly utilize these call centres, we offer a decent (UK based) service with very good technical knowledge and relevant benefits such as Track cover, Like for like modification replacement and agreed value options (in addition to the usual benefits received under traditional everyday policies)

We aim to stay competitive on a long term basis through prudent underwriting/risk selection and the only way of doing so is by tracking historic trends and through the exclusion of unprofitable business sectors.

In a minority of occasions where we cannot cater for risks which fall beyond our criteria - such as yourself. But rather than simply trying an alternative Insurer/source you prefer to 'whine' publically when you have already been given a thorough PM explanation of the situation?

One analagy is a bit like you trying to force Marks & Spencer to sell Next clothing - then complaining when they dont??!!

There is a valid commercial argument for doing what we do, which we have explained on PF before and we comment via PM whenever individual members (as you did) request further information.

Within our posts we have always maintained that we will not be "all things to all men", but we are extremely competitive for those within our risk acceptance criteria.


Tony Fehily
Senior Partner
Greenlight Insurance

 

An overview of the main vehicles & risk types not covered due to poor claims experience are as follows:

BMW
M3 (E36 models)

Ford
Sierra RS500 - is the only exclusion from the Ford Range, ALL OTHER PERFORMANCE FORD MODELS ARE COVERED !!!!

Honda
S2000

Nissan
200sx

Renault
Clio 172 CUP (Non-ABS "Cup" model is the only exclusion)

Skoda
Fabia/Octavia models

Vauxhall
Nova (All models)


Standard Non-Performance (ie. 1.0 Yaris) vehicles are not covered unless you have an existing policy with us for a performance vehicle

Drivers aged 17-20 are currently excluded

Drivers with ZERO NCB, IN10, AC10/20, CU offences are currently excluded


The above is a summary of what we do not currently cover.

 

O well

Diamond Classic Ins
01442825481

Not just claissic but go straight to the insurance underwriter
My RS500 full mods Ł500 +Ł500 ex
all mods declared

 

tony

i feel its great that we can be 'in touch' with our insurance broker.

personally i hope i never need to claim on my insurance but i feel you guys offer a very good service to the majority of people who contact you for a quote

when i consider that i am fully comp insured on my group 20 car, with performance hike of over 50% over its standard spec

with all mods declared, not locked away at night.

and being only 26 with only 3 years ncb it comes in at just over Ł600

seems a bargain to me, when the majority of my friends pay between 500-600 for their insurance on their 'low risk' cars, and when they need to deal with someone in a call centre. usually when they make a claim it takes ages, and in some cases have bought insurance and found out they arent covered for certain things they assumed they would be



big up greenlight

 

Thanks Ginge...

I do try to bite my lip and avoid commenting when annoyed, but sometimes things just have to be said .

Kind regards

Tony

 

Thanks for that Tony, very informative, makes the picture a bit clearer to get an overview and discussion on here about this stuff.
I came under the Fabia/Octavia heading earlier this year, and found it hard to accept the "sorry we don't cover that model" response in isolation over the phone, for what is essentially an "old fella's" car.. , especially after having discussed with your people just a couple of months earlier and offered a very favourable figure

Are you able to qualify the reasons for these exclusions in any more detail Tony?

 

ALL IMO (disclaimer).................

My friend found exactly the same with his fabia (VRs) when it came to renewal time he decided to sell it and has now insured a TVR Chimeara for only a few quid more than he was paying on the skoda

its the same with alot of cars on that list, they have built up what is effectively a bad reputation.....

The E36 m3 is so affordable, that young people get hold +rwd = lots of claims

the clio has had lots of inurance claims, due to it being affordable and very quick....and they get written off easy

The 200sx has gained reputation as a 'drift car' and this has forced premiums through the roof

Dunno about the honda, but they are fooking expensive to insure as they are group 20D (one of the highest groups there is)

and they said cossies are hard to insure

 

Hi Rich,

Unfortunately they are an "old fella's car" in respect of braking, but with several hundred pounds investment they can have the same torque as a Boxster or Mercedes E320.

We experienced very little in the way of theft of these vehicles, but the problem area with the Fabia/Octavia models is primarily due to quite a number of accidents through failure to stop the vehicle (ie. Hit other vehicle in rear).

Sorry we couldnt help Rich....

Kind regards

Tony

 

Jim,

You should try Flux again and give them the opportunity to resolve the situation for you.

If they have confirmed in writing that a Tracker is not required, despite the underwriter requiringone there is very little they can do to hide.

Ask for their "compliance officer", or a manager and explain the situation.

I'm sure this will get the desired result, but if not you know where I am for further assistance.

Kindest regards

Tony

 

Didnt you just more or less describe bruce's car that went messing though?

Thought that had alarms and a tracker and all the rest of it?



Anyway, you presumabley choose to put "nicked" in question marks because of the strong possibility that an RS500 will be stripped for parts, sold off as such, and then claimed on the insurance to get the money twice (im assuming you were talking in general and not about bruce's car as such accusations are banned from this forum i believe)

Sadly NONE of what you have on your car is ANY use at all against it getting "nicked" and thats why its still so unattractive to the insurers i would imagine?

As Tony says, if they are losing money year on year on these cars and having to subsidise it with premium increases on other models, it just ends up in a situation where they either have to stop covering them or they end up pricing themselves out of the market due to constnatly paying out on "nicked" examples.


I would have thought a good businessman such as yourself would grasp that FAR easier than the rest of us average joe's!

 

braking is easily as good as my cossie, and IMO superior to most equivalent cars.. they've got huge brakes for the type/weight of car..
Engine performance has little relation to braking capacity, only weight and speed. What sort of braking performance improvement would I need to add to make any difference to your people changing their mind?

ah well, such is the anomaly of insurance statistics i guess..

 

been there done that too! they were very helpfull and got it sorted nice and quick years ago, not my fault accident

 

guys, looks like ive beena bit hasty... rung them up today and they explained that theres a bit that says "only section 1 3 4 apply to you" etc. so that bit doesnt apply to me

not very clear tho, i just checked and it's right in the small print bit