Insurance renewal....

[Kevin1964]

[Kevin1964]

[dave1966]

Kev,its all getting weird now. As I said the same employment househusband.

[Kevin1964]

I know mate i'm going to give up trying i think...If only insurance companies could agree on a few things such as sort there prices out and sort out there job titles..Ohh and vehicle parking area's to premium prices coz it bleedin confusing and unessacary

[Big Dav]

I used Sureterm when I renewed in Sept - 3000miles, agreed value, green lane cover, fully comp - £220 so I don't think thats too bad. Have to watch though, cover exists for 12 months or 3000 miles whichever is sooner, no drop down to 3rd part if I go over the mileage - COVER ENDS, also absolute no other vehicle to be driven with that policy.

[dave1966]

Big Dav,Sureterm wouldnt give me a quote. Ive had roughly 20 companies decline my online quote.

[Roo]

[fogman]

[Kevin1964]

So Frank Pickles are saying you need 5 mods to be considred for insurance with them...Right then what shall i tel them i've got out of this small list

Spacers 35mm
Slightly raised suspension + 2''
Different paint scheme
Modded Nudge bar
K&N Filter
Tinted Windows

Thats my mods so should i make up a few coz it suits there policies??

[gregster]

[Kevin1964]

Just trying to establish what they want from us..A mod is a mod to a point but it seems i don't have enough of them..At least five mods it seems i require. There site is a bit short of information to be honest..It won't take much to alter a few things to get it how they want it to be..

[jpbiketransport]

[Big Dav]

In some foreign lands when you buy a car and then the insurance that is it, as long as the driver has a licence the cover is there.
Not so in good old UK, after buying the car, the insurance will relate to that car and the specified drivers, do not assume fully comp means you can borrow anyone elses motor - check the policy!

Another pitfall is the spouse/partner of the policyholder assuming they possibly have the same cover on other vehicles if permitted for the policy holder - beware, as mentioned earlier in this thread, that invariably will not be the case.

More insurance companies are emphasising these elements now, it is not new, most have been this way for many years.

Go careful guys.

[chrisgg90]

[2much]

another 2p's worth....

dont apply on line - you'll have to go through and confirm details later anyway - always phone and discuss what you want - also helps you as long as honest because if they offer you something the calls are recorded so you will get it - but works both ways remember

as i understand it re: FP insurance there are 2 types the offer as a specialist, 1 - 2nd car, modified, limited mileage, no commuting or 2 - main car, modified agreed mileage with commuting. both do not gain ncd. as a broker they can probably get non specialist insurance probably without modifications but remember some "normal" policies will cover some mods without increase in cover costs as long as you let them know....

re: employment status, its not a conspiracy against the unemployed its because insurance co's use computers, the policy is calculated on your approach to risk as dictated by your employment! my wife works in a bookies and the premiums are ridiculous because her job makes her out to be a gambler, if she states she is a deputy shop assistant it drops dramatically!!! if you haven't got a job they cant work it out hence no quote...best to tell them what you used to do/are so just cos your out of work doesn't stop you being a painter for example....

[Roo]

Thanks Keith for that
ooo If they are counting tinted windows, I have them so I have , snorkel, big tyres, the lift, sporty steering wheel and tinted windows (at the back) 5 things yeahhh Sorted
Cheers
Roo

Jp your welcome, pleased that your on the policy

[bobbinsjob]

Well I rang FP today to take up the quote of £142 they gave me. Whilst I was on the phone to Barry I yhought I would ask a few questions, just to clarify a few things. So here we have it from the horses mouth so to speak.

Q1. Am I covered for normal driving, ie. on-road, aswell as off-road?
A1. Yes, covered for normal use, pay and play, and green laning, as long as it is modified.

Q2. Now that I am an existing customer, can I insure my unmodified fiesta with you.
A2. No, it is not a modified vehicle so we are unable to insure it sorry.

Q3. Am I insured to commute, as in bad weather, I will use the truck to get to work instead of the fiesta?
A3. Yes, it is unsured FC SDPC with limited mileage of 5000 miles

Q4. If I had said I was a house Husband or Stay at Home Dad, why would you not insure me?
A4. Unfortunately, a few have spoilt it for the many, by saying that they are HH's or SHD's but were actually self employed plumbers or sparky's etc... and then used the trucks as main vehicle for work because of the low premium. So we had to make a ruling, sorry.



Hope this clears a bit up for folks

[Kevin1964]

Well if thats the case i'm going to do the mods then i'm going to spend the £128.19 on a FP policy..Yep £128.19 and not far off what i was thinking about based on my low milage usage. RESULT i think well it will be when i sort out the fronty

[RatCav]

Its the 5000 miles a year on road limit that knackers it for me. I will shatter that in just over 2 months

[Big Dav]

Referring to the Q & A above, how does the decent, honest, HH get past Q4???