Hi as above jus wanted people's thoughts on who they thought was a good company as mine is up next month and I'm not staying with my current company 😡😡 cheers in advanced

 

Been with brentacre for nearly five years, find them very good in terms of cost and mods. Agreed bhp limit and do what you want, change exhaust, induction kit etc as long as you inform them. They get my vote

 

Iv used adrian flux for a few years they were good at insuring with mods cheap but were expesive this year and i found good old swift cover was the cheapest with the best package this year!

 

I've got a few mods on view wheels fmic spoilers and sitters rest is under the bonnet but can't tell unless you knw anythin bout them

 

And what would happen if they did know their way around cars?

 

Adrian Flux have messed my girlfriend and I about over the past 2 years on 2 different cars and to be quite frank I would never have moved to them if I'd known it would have been like it was. The 'customer relations' rep on PH was pretty unhelpful and really quite dismissive after I emailed him explaining that the AF quote was over double that of the competitors. All he responded with was that insurers didn't like Impreza's......pretty crap response if you ask me. How they can still bill themselves as a specialist car insurer is beyond me!

Keith Michaels were excellent as we're Sky, can't recommend them enough.

To put things in perspective, the AF quote for a policy for me to drive an 03 WRX PPP was over £1,400! My old Boxster S was nearly half that! Oh, and that was just for me to drive that car and that car only.

Rant over.

Hi, I'm new here btw!

 

Adrian flux for me can't fault them

 

http://www.keithmichaels.co.uk/

 

So are you going to declare all the mods?

 

 

^ this fella right here insures my impreza

what I like about Kieth Micheals insurance is I phone up and say I have done this and this mod's and gary here is just like,, yea sure no problem and I dont get charged any extra for the mods I have done also fair price for insurance too

cheers Gary

 

Yeah that's how I feel with brentacre. Be interesting I'm August if I can give any of the insurers that are from here some business

 

Just go with the cheapest, end of they day they are all robbing c*nts with a license to get your money as the government make you have insurance.

I had a claim with hic a few years back, same underwriters as adrian flux and they were totally incapable and useless. Took just under 3 years to sort out.

Wife was with swift cover a few years back when a lorry hit her, again they were soo bad we ended up not pursuing the claim. And now a family friend was with direct line when she was hit head on by a car on the wrong side of the road, had to be cut out etc and direct line want to go 50/50....

So no matter who you are with, it doesn't make much difference as they are all as ****e as each other, and most are owned by the same underwriters.

BUT do declare everything! Mods, driving history etc etc! As anyway they can get out of paying, they will!

 

Well I guess that's one way of looking at it Fudgy.

I assume you work for a charity, or a company who don't make a profit?

Ok, you've had a bad experience, but to tar all insurers with the same brush isn't correct.

 

Keith Michaels, no question.

 

Of course not, but charging such ridiculous premiums especially for new drivers is just criminal.

i personally do not know one single person that has had easy dealings with an insurance company.

of course you just cant go handing out money and have to be very tough on claims and rightly so in this day and age of scammers and fraudsters, but when a case is clear cut, like one of mine and the woman arguing with direct line at the mo it kind of gets annoying.
when i had my sierra i was paying a high premium for a very modified car.
when it came to claiming as it was very hard from the rear by some pikeys that then drove off, the insurance assessor comes round to have a look.

"mate, its a B reg sierra, your probably get offered about £50"

i had £35k in that car and it certainly was not insured as a £50 B reg sierra!

then it took 10 months to a payout for the car, after a lot of aggro and a further 2.5 years to settle the rest of it. that was with HIC.

the woman with direct line, the road narrowed and both she and the car coming towards her slowed right down to pass each other, when some guy comes careering up the hill, see the car infront is going slow so swerves round it. head on into the car going the other way.

he admits fault 100% she had be cut out of her picasso and ended up in hospital, the guy walked away with his 2 year old son.

obviously she filled out the forms etc stating what happened but direct line insist on going 50/50.

ok thats only 2 cases, but you dont hear of many people that have good experiences with insurance companies.

this is all just my opinion of course!

 

I agree it depends which insurer you are with, some of their payouts put the whole industry in a bad light.

Don't get me started on insurance assessors. Unfortunately insurers have to use independent assessors especially when a 3rd party is involved, and their valuations/attitude often make my job so much harder.

 

Steve.

 

Cheers for all the info and opinions and is there 1 person I need to speak to in particular or who Eva answers the phone at the time

 

Sky insurance I can highly reccomend

 

Theres no such thing as the best insurance company, theyre all out to get as much as they can from you and should the worst happen and you need a payout give as little back as possible, the question you should be asking is which insurance company will rip me off the least or which uses the most vaseline for my annual shafting.

 

Gary Moulson at Keith Michaels

 

You've had several claims with different insurers to know that's the case?

Everyone looks at insurance as a rip off, untill you have to claim, then it's a bargain. (assuming you've gone for a decent policy of course)

 

so, what IS a 'decent' policy?

fully comp, protected no claims and guaranteed value?

 

With an insurer that pay fair prices, good/quick claim service, like-for-like mods is handy, with no hidden terms.

Hardly any insurers offer guaranteed value (excluding classic etc..), but a good policy with like-for-like mods 'should' work out similar.

I agree there are some poor policies out there, but the biggest factor most people look for when getting a policy is purely price rather than the quality of the policy.

Cheapest isn't always the best.

I personally could save approx £80 per year using a different insurance company (not one i deal with i'd add), but after seeing at first hand how the insurer i'm with work, i refuse to move my policy elsewhere.

It amazes me that some people will spend thousands upon thousands on their cars, then possibly risk losing it all (or a large chunk or it) buy saving £100 to use a policy that doesn't suit their needs.

 

Aviva for me for the past two years. Was with Flux but they wanted silly money to renew. Tried Sky they were expensive too!!!!!
Aviva also included my pick up for not a lot more too

 

No ive never had a claim, i work in an insurance approved bodyshop and chat with the customers enough to know that not one of them yet has been paid out descently without jumping through hoops and refusing first offers etc. Insurance companies make the bad name for themselves, without any help from joe public.

 

Edited for you

My friend owns his own approved bodyshop, and doesn't have too much to say in a negative way about insurers.

Although working for a bodyshop, i'm sure you guys never ramp the price up knowing the insurers are paying, compared to a cash job do you?

 

If this is the case you should know how much parts can be priced up and the costs hugely inflated then.

I was hit by a DD in July and the damage was minimal paint webbing on the rear bumper, but the crime was not. Anyway, the repair quote from an insurance approved body shop came to an eyewatering £1489.80 , for parts. The rear bumper skin, some badges and number plate surround were quoted at £675.21 + VAT .

Being a bit more questioning than your average joe I decided to challenge the costs. I managed to get all the OE parts, new for less than £300 including VAT. Spookily, after I contacted the insurance company the revised quote came out at a still considerable £683.29 + VAT all in.

If we all had a go then perhaps the insurance approved bodyshops would charge less and this could be passed on to our insurers. The moral call can be a bit difficult for some people.

Quid pro quo.

 

i dont no, my gaffer more than likely, what i do know is parts have to be genuine parts not aftermarket, which as you will know aren't cheap anyway, then you have to factor in allowed hours of labour, which insurance companies managed to recently get halved and therefore now dont allow enough time for certain repairs to be completed in time. Then theres storage charges and possibly towing charges dependant on how the car got to the bodyshop. Theres not just the cost of the repair to factor into the end quote. Plus nowadays insurers never pay what theyre supposed to anyway.

talking about ramping up prices, what about the charges insurers try to get away with, they try to get away with a lot more than any bodyshop can/will try to claim. Then theres the pi claims who does that set in good stead in terms of revenue then.