In my case the bumper skins where available colour coded, so it was an even bigger rip off!

 

But a pleb who can spell and compose a paragraph or sentence. As I see it you are trying to justify your high insurance on an industry that is being scammed left right and centre by many.

That many includes body shops who inflate prices and idiots who get banned, then complain their premiums are going up!

 

Also while were on the subject of bans, it depends on what type of ban you have as to how long its declared for.

id quit mate the hole youre digging is getting deeper.

 

You forgot the comma between left and right lmfao.

im typing this on a galaxy s4 and cant be arsed to keep switching between keypads for apostrophes and such. Thats why i havent put them in.

 

If you read my posts, I mentioned ban lengths earlier.

Bans are serious and will attract an increase in premiums, if you are stupid enough to get one them you deserve all you get.

Or was the ban someone else's fault as well?

I'll pass you a shovel.

 

You put a pre painted bumper skin on your car without blowing the quater panels in to match, i bet you can notice that too. Thats why bodyshops are better than have a go heroes.

 

Since when has ban lengths got anything to do with conviction dates. I could of been banned for 6 months and it would of still been on my licence for 4 years and declared to insurance for 5.

**** dude youre arms must be tired from all that digging.

 

Best insurance company for an impreza... Who knows, I haven't tried them all. However Keith Michaels gets my current vote and money for that matter.

 

The body shop sourced the parts I told them about, fitted them and they matched.

Thankfully the car modifications where also declared and did not invalid the cover. I wonder how many modified Blob STi's are declared to the insurance companies?

 

Lol mate you really are clueless, its sad youre still arguing with me tbh. i dont need to declare mods its a trade policy it covers me not the cars im in, i can drive a 650 bhp scooby if i want, mods are irrelevant, my indemnity covers me for £10k tops.

I cant be arsed to argue with you now dude, have a chat with moley or any other insurer, arm yourself with some basic knowledge, then and only then will you actually be able to have an intelligent debate.

in the words of peter jones IM OUT!

 

P.s its were and not where and the word you needed to write in your last post was invalidate

lmfao again.

 

3. How long endorsements stay on your driving licence

An endorsement must stay on your driving licence for at least 4 years from either the date of conviction or the date of the offence.
4 years from date of conviction

An endorsement will stay on a licence for 4 years from the date of conviction if the offence:

• is for reckless/dangerous driving - shown on the licence as DD40, DD60 and DD80
• results in disqualification

Example
Date of conviction 28 May 2011 - the endorsement must stay on the licence until 28 May 2015.

4 years from the date of offence

In all other cases endorsements stay on your licence for 4 years from the date of offence.
Example
Date of offence 10 June 2012 - the endorsement must stay on the licence until 10 June 2016.

11 years from date of conviction

If the offence is:

• drink driving or drug driving - shown on the licence as DR10, DR20, DR30, DR31, DR61 and DR80
• causing death by careless driving while under the influence of drink or drugs – shown on the licence as CD40, CD50 and CD60
• causing death by careless driving, then failing to provide a specimen for analysis – shown on the licence as CD70

Example
Date of conviction 3 December 2009 - the endorsement must stay on the licence until 3 December 2020.


I said depending on conviction. And also mentioned undeclared modifications. Over to you.

 

What are you hoping to prove by posting that, it just confirms what ive said.

Generally the date of conviction comes AFTER the date of offence. You dont go to court to get charged with an offence youre going to commit in 3 weeks time. Lmfao (my jaws really aching now)

 

To say insurance company's are not robbing pr*cks would be a lie they are all gamblers and make serious money and do over the tax payer as much as they can.

After all it doesn't cost alot to set up a policy, so if you spend £2000 on a policy and are fault free for the whole year thats a big profit for the insurer, who has done what really?

So why not offer a refund of say £500 for not claiming?
Sounds like a good incentive to me to be honest after all what's stopping you making a claim.. you have no real reason not to.. no claims discount seems to count for jack s*it.

In Novemeber 2012 I was with Adrian Flux and had a NONE fault accident there was not one witness it ended up going 50/50 because they are too lazy to actually go to court.

I ended up losing 3 years no claims discount and being left with 1 year doesn't seem really fair does it ? Coming from someone who has never claimed before and always paid £2000 + a year for insurance due to my Birmingham postcode..

As for everyone blowing smoke up Kieth Michael's rear end (No offence) but this is my personal experiance with the company.

To actually be laughed at on the phone when enquring about taking out a policy on an Impreza at the age of 23 is out of order in my opinion I'm not a 17 year old prat trying to insure a Saxo with a big bore, I was just asking for a quote, it's easy to jump on this thread and say it never happened but it did and I was quite offended to be honest.

After giving me a stupid quote of over £4000 I rang Brentacre and got a policy for £1900 Fully comp all mods declared on a 2006 Hawkeye wrx this might seem a lot but due to my recent accident I dont have much choice but to pay this.

As for ''The Trooper'' you're making yourself look quite the tool if im honest get off your high horse and put that shovel down.

To have 13500 posts I think its safe to say you have earned a well deserved break from the interwebz my man.

Think of it as a thanks from all of us for all your pointless imputs and smug remarks, If you stay away long enough maybe your pupils might turn circular again and your hunch back might straighten out a bit, no promises though.

im guessing your quite the lady's man eh

 

The thing that amazes me is that pretty much everyone thinks they pay too much insurance, and many tell me they have never claimed in 'x' years of driving, and never plan to claim.

Yet 95% of these people still CHOOSE to spend an extra 10-15% each year to protect their NCB.

If you're that great a risk, and insurers are con-artists, why happily pay that extra premium?

 

And M17CH, I apologise if someone laughed at you being 23 trying to insure an Impreza.

Wouldn't have been me, as i was in exactly the same position when I bought my first Impreza 10 years ago. (Blimey, I've been in these cars too long!!!)

 

I reckon it because people still believe that no claims count for something nowadays

Why bother protecting no claims, tbh whats the point, your premium will still increase after a claim regardless if the no claims are protected.

While youre here moley can you answer a question for me, why do convictions have to be declared to insurers for 5 years even though they come off your licence after 4 years (conviction dependant)?

thats not having a dig either, its a genuine question ive often wondered the answer too.

 

Convictions are a way of insurers looking at your driving history when assessing you as a risk. They look at your history in the last 5 years, wether than be claims or convictions.

Protected NCB is still worth having IMO, as without it the premium will increase twofold if you claim.... loading for the claim, and reduced NCB lowering your discount.

 

Ok, but why do insurers feel they have the obligation to look at the last 5 years when the law says 4 years is suffice for it to come off your record. I see this as insurers trying to squeeze as much money out of you as possible and an extra years worth of loaded premiums is a win win for them. I know its not you personally that sets these guidelines dude, but you do earn a % in commission for every policy you sell, which in my opinion makes it worthwhile to get a high as possible premium for the customer but not too high that you loose the sale.

 

If the policy is too much the client will go elsewhere, better to earn a small % on a low premium that I do get on cover, rather than 0% on a high premium because it was too expensive and the client went elsewhere.

The market is competitive, so charging as much as we can wouldn't work at
all.

The 5 years is just a way if seeing (or trying to see) the persons driving history, helping us decide if we want to insure them or not.
Of course it effects the price, but one minor conviction won't really effect the price these days, and many insurers won't load extra for convictions over 3 years old.

 

What youve said there sort of proves my point, the more you can sell a policy for the more money youll earn yourself, therefore insurers have used their heads and thought if we all work on the same sort of pricing structure then we wont be far off and will all earn relatively descent comissions etc. The only real choice the clients have now is who to give theyre money too, as competition for pricing is now non existant. Basically why would insurers/brokers do us any favours when essentially its their own pockets it hits.

 

I think you should read it back.

Yes, if we put the prices up we'd technically make more, but in reality we'd be uncompetitive and not write any policies, therefore not earning anything.

Your suggestion would only work if insurers all agreed on price fixing. I don't think you'll find that's legal!

All insurers use differ the underwriting criteria. I deal with 40+ companies! so can confirm this first hand.
One insurers bad risk can be another's great risk.
We are a great example of that. Most insurers absolutely hate highly modified cars. We love them!!!

I really think you're using your high premium to judge all policies. The reality just isn't what you're making it out to be.

 

youre right price fixing is illegal, it didnt stop bankers from having a dabble or even the stock market. Insurance is now getting to be as big a corporation as these, so whats to say thats not the case. Maybe it starts from higher up the food chain than insurers themselves but its still possible.

Im paying more this year for less cover and have accumulated an extra years no claims, as are probably a lot of people. how is that not being ripped off? How is tarnishing me with the same brush as whiplash kings not ripping me off?

 

The FCA would probably have something to say on price fixing. We're fully regulated by them.

I agree you are paying a fortune, far too much IMO.
But without knowing your details and the fact I have in interest whatsoever in traders policies, I can hardly comment.

It's a different way of underwriting to normal private car.

 

Do any insurance companies do a garage policy if its sorn so it can be still insured just to sit there ?

 

None that I know of (for a Subaru), but it's something we are looking into.

 

Oooooo, someone stole your dummy or have given it to your mate gazza?
And which of my posts as been directed at you or praising KM? Jog on junior.



You have to love the naivety of youth.

 

Who is your trade policy with?

Mine didn't cover me for any import/STi or a modified car

Which is why I have a separate policy(private) for my impreza

 

Im the junior?

You can't even compose a sentence you really are boring if im honest.

Jog on.

 

It's seems that both you and gazza have had bad experiences with insurance companies. I have merely pointed out how people with driving convictions, bodyshops inflating prices as it's "an isnurance job" and "crash for cash idiots" inflate prices.

If you cannot see that then you really are deluded. Because I can still jog at my age, I will.