It's a miracle I've not had a....... - Adam {P}
.......heart attack through stress.

Insurance - wooo. I love this time of year. Some of you may remember my pst a few days ago;

www.honestjohn.co.uk/forum/post/index.htm?f=2&t=32...9

about renewal time for me. In case you don't want to read that post, I'll refresh your memory. For my 3rd year, I got the renewal through quoting £967.00. The trouble is the website quoted me £700 ish.

I took all your comments on board and did the sneaky thing first of all. I tried to get a quote online. It let me put all my details in, the card details etc.. and then I'm confronted with;

Sorry - we are unable to provide you with a quote at this time

Still remaining relatively calm if not mildly annoyed, I phoned them giving all my details and explaining my problem.

THEM "Oh well sir - your renewal should be cheaper than the internet quote"

ME - "Well....it isn't"

THEM - "Just let me put you through to the policy department"

Before I had chance to utter a word, I was put through to someone who's grasp of the English language was shaky at best.

I then proceed to explain my whole problem again after which I was told I'm an existing customer and therefore inelligible for an Internet quote.

ME "Don't you think it would have been a good idea to at least hint at that on the website?" (I'd looked over the policy wording beforehand and couldn't see anything remotely suggesting that I couldn't renew via the website)

THEM "I am sorry I do not understand"

ME "Never mind. Look - It seems to me as if I'm being penalised for being a loyal customer when a new customer could come along and get a cheaper quote simply because they're allowed to use the website. Is there no way you can reduce the quote?"

**Worryingly long silence until I'm about to reel the whole lot off again when...***

THEM "We can do you £888.00"

ME "Have you been lis.....forget it. Can you please send me proof of my 2 years No Claims bonus? Thanks."

Needless to say, now I am angry. Existing customers are being penalised for not being able to use the site. So now I'm trawling through the web again looking at more ridiculous quotes.

I do love these Sundays.


--
Adam
It's a miracle I've not had a....... - Adam {P}
I should point out that my original post figures are wrong. My memory's a little sketchy! The ones above are exact.

Also, I could go with RF's suggestion of letting it lapse for a day but I desperately need the car for that weekend. In any event, I'm not sure I'd want to have any further dealings with those clowns.
--
Adam
It's a miracle I've not had a....... - frostbite
You will be lucky now to find one where you're not talking across several continents to someone you can't understand half the time!

The one I settled on that more or less* qualified was HSBC (AXA).

*Squeaky Welsh girl.
It's a miracle I've not had a....... - midlifecrisis
Had a similar experience with Direct Line a few weeks ago. Got an excellent quote with What Car, excellent Policy and without DLs APR figures.
It's a miracle I've not had a....... - JH
Adam,
I've got a post (if I was clever I could put in as link ?) with much the same thing, with DL. Thing was, when my wife rang to query the internet quote being lower, they seemed happy to allow her to go with the internet quote, indeed they advised it as "we can't offer a discount for voluntary excess as you are a long standing customer" !!!!!

Now she's worrying because they've written to her to say she's not insured. I reckon that's her postal quote and she has insurance via her internet quote. Well they've taken her money so...

To save hassle - go somewhere else. Daft isn't it ?

Regards,
John
It's a miracle I've not had a....... - smokescreen
Imagine how many people put up with it, just to get it over and done with...

From what I remember reading last time , your a student correct? Try endsleigh's website, select student as full time occupation.

My insurance quote tanked by easily £350+ just because I selected student! Good thing really, as I am paying for it, unlike some spoilt kids around here.
It's a miracle I've not had a....... - GrahamF1
So they're wising up to the ploy eh? They've realised we get cheaper deals online with new quotes than the renewal?

Well, just let it lapse! Then the next day you'll be a brand new customer, and they won't be able to discriminate in this way! Means you'll have to make provision to get through a day without driving, but surely it's worth it for the saving?!
It's a miracle I've not had a....... - GrahamF1
Or to get round it, why not try spelling one of your names slightly differently on the website?

And before anyone goes on a rant about dishonesty and how it would invalidate your cover, your name is whatever you decide it is and not even a motor insurer can argue with you on that.
It's a miracle I've not had a....... - Chad.R
And before anyone goes on a rant about dishonesty and how
it would invalidate your cover, your name is whatever you decide
it is and not even a motor insurer can argue with
you on that.


"Your name is whatever you decide.." - How does that work?

I'll call myself Zinadine Zidane this afternoon but that's just to have a laugh on the pitch ....when it come to legal documents, it's always what's on my birth cert/passport - and that doesn't change from day to day.
It's a miracle I've not had a....... - Ex-Moderator
>your name is whatever you decide it is

.....provided you have not changed / are not changing it for purposes of deception or fraud. I'd rather guess that they'd pick up on the licence plate as well.

However, I wouldn't let them get away with it. Whether it is let the policy lapse for a day, beat them up until they cave in, or go somewhere else, there is no way they should be allowed to get away with that.



It's a miracle I've not had a....... - frostbite
"Means you'll have to make provision to get through a day without driving"

Maybe not. What time does your cover end? Wait for an hour, or when you get up if your cover is like mine, ends at midnight. You will then be a new customer.
It's a miracle I've not had a....... - Adam {P}
Well - many thanks for the replies people.

Because you've all been pretty helpful, and I have nothing to do in the next 5 minutes, I'm going to reply to all of you.

I've tried HSBC Frostbite but alas, this damned being born in 1985 is working against me again. Similarly, MLC - tried that and it's a no go I'm afraid.

JH - I am going somwhere else but I'll get to that in a minute

Smokescreen - yes I am a student and I've tried Endsleigh. The trouble is, they either don't like big cars (bigger than a Fiesta anyway) or they don't like me. £1200.

Graham, I've always wanted to change my name to something dynamic like, Max Power (copyright - Homer Simpson) or John Bunnell (Ret.) but for insurance purposes it's probably a little drastic.

Mark and Frostbite (again), good ideas but I've let myself get sufficiently annoyed over the course of the day to the point where I've decided, they shall have my business no more. I won't delude myself and think that my custom means so much to them that they'll cave in overnight without it but there's no way I'm going to let them screw me over like that. I did get a quote from First Alternative which is the only quote I've ever had whereby adding a person lowers it (admittedly not by much). To the point where Fully Comp is *only* £1050. If I can drive Dad's car occasionally third party only then so much the better but that would only be a secondary bonus.

Thanks for your help anyway. My Mum will probably end up saying "Don't be stupid - pay the £888" but we'll see...

Thanks again,


--
Adam
It's a miracle I've not had a....... - Leon on Derv
doubt it'll make you feel any better, but creating a fictitious person fitting the details you have given on here has returned a quote of £2437.07 for your car from my insurer.

Afraid its one of the joys of motoring adam. We all like to mention how ridiculous our first few years insurance was. To try to put a positive spin on it, at least you are driving a mid range car for that kind of money. Personally I paid £1,700 to insure a 5 year old MG Metro which only cost £3,200 to buy.

Seriously though good luck with finding a better quote.

Leon
It's a miracle I've not had a....... - Adam {P}
That does make me feel a little better Leon.

I am lucky - I don't want to sound like a moaning....well - I'll let you insert your own word. Better this than a rusted old heap but just when I put the positive spin on, I think what else I could buy with the insurance money!

To be honest, I think I'm all out of insurers. I did have a laugh before though. I put a quote in on an insurer's site. I can't say who obviously but you'll all have heard of them - if not in their guise as an insurer.

£6,000. Yes - 3 0's. Six thousand pounds.


Now that cheers me up!
--
Adam
It's a miracle I've not had a....... - Kevin
Adam,

Have you tried asking them to delete "Theft" from the policy? Who the hell is gonna steal a Focus saloon?

Seriously though, try www.adrianflux.co.uk/ I have two cars insured through them and have yet to find anywhere cheaper or with better service.

Kevin...
It's a miracle I've not had a....... - L'escargot
At the risk of being reiterative (!) why don't you try CIS?
--
L\'escargot by name, but not by nature.
It's a miracle I've not had a....... - SjB {P}
I second Adrian Flux.

When I BSR PPC software tuned my V70 2.4T they were by far the most professional broker to respond. Considering the massive jump in car performance, the corresponding increase in premium over the two direct insurers that had previously insured the car in standard form was small, too.
It's a miracle I've not had a....... - tyro
Adam

Wish I had a helpful idea, but I'm posting to say that I'm curious about how you got on with Stelios (Eastmoney), as advertised here.

(I'm with Ford Insure, btw - but no doubt you've tried them.)
It's a miracle I've not had a....... - Adam {P}
Thanks for the replies.

I tried CIS and let's just say they're not competitive.

Adrian Flux I haven't tried yet. They're closed now so I'll try tomorrow.

Tyro - I tried Mr Easyjet himself - waste of time. At least for me anyway. I've got to be honest with you, I never even knew Ford Insure exisited. I'm getting a quote as we speak but I notice they're underwritten by my good friends.

I post back in a bit.
--
Adam
It's a miracle I've not had a....... - Adam {P}
Oh - and Kevin, I think you're thinking of something else. The Focus saloon is the most stylish looking Ford of all time.

;-)
--
Adam
It's a miracle I've not had a....... - Adam {P}
Can't get an online quote with Ford Insure apparently. I'll ring them tomorrow too.

Thanks
--
Adam
It's a miracle I've not had a....... - drbe
I always use Coversure for my private hire policy and SWMBO's Yaris. They are very good, give them a ring - 0870 458 5675
It's a miracle I've not had a....... - drbe
Sorry Adski, I should have said: Coversure are/is an insurance broker
It's a miracle I've not had a....... - Blue {P}
Ford Insure aren't normally that good for younger drivers, but just occasionally they used to suprise me so definately worth a go.

You will of course have tried Elephant? They were cheaper than NU Direct for me, by about £100 IIRC.

Failing that www.liverpoolvictoria.co.uk are always worth a look, they undercut CIS by £1500 when I insured with them when I was 18. Not very good quote at all I'm afraid now though, but again, still worth a look.

Blue

Link amended ND
It's a miracle I've not had a....... - Adam {P}
drbe,

I always assumed that a broker did for me what I'm doing now and took a piece of the money. Because I'm so risky, I thought that this would work out more expensive but I'm willing to give Coversure a shot.

Blue - yes - Ford Insure aren't that good for young drivers apparently. I tried myself on a new Fiesta 1.4 TDCi (I'm using that as a benchmark) and they did come out pretty much on top though. Sadly, I don't have a Fiesta 1.4 TDCi so I can't use them.

I keep hearing Elephant! Elephant!! but there must be something wrong with where I live because they're not even close to the lowest quote. I tried them again yesterday and they weren't having any of it.

Just looked at LV again (they have been good with the parents in the past). £1160 TPFT. Their fully comp quote is £1300. Again, if I could drive another car third party on this occasionally then I'd have it but I think my age works against me.

Thanks again for the continued help. I do appreciate it but it looks like I'll be eating a little humble pie....anyone care to join me?
--
Adam
It's a miracle I've not had a....... - Alfafan {P}
Adski

I know your situation is different to mine, but try Abbey & Bragg (brokers in St Albans). They used to be Quotebusters. I've been with NIG through them for many years and my renewals have been consistently lower than anything I've found on the web. In fact the last renewal on the Celica was £266 and I didn't bother to look anywhere else.

A couple of years ago I got the value of my written-off 75 upped from an initial offer of £900 to £1500.

The phone number is 01727 873500.
It's a miracle I've not had a....... - Adam {P}
I've given up for today but I've made a note of the phone numbers and will try them all tomorrow.

Many thanks for all of your help. I do appreciate it.
--
Adam
It's a miracle I've not had a....... - smokescreen
Odd, Endsleigh insured me via Norwich Union, £850 third party fire and theft, 306 dturbo (96/97), IG 5.

Wonder what happened there.
It's a miracle I've not had a....... - Blue {P}
A couple of years ago I got the value of my
written-off 75 upped from an initial offer of £900 to £1500.


Sorry I'm going to look a bit thick here, but what is 75? I thought Rover 75 at first, but surely even the oldest one still on the road can't be worth as little as £1500?

Blue
It's a miracle I've not had a....... - No Do$h
All the clues are there, young master Blue.

Alfa 75

Some argue the last of the real (RWD) Alfas, especially with the 3.0 V6
It's a miracle I've not had a....... - blue_haddock
Sorry I'm going to look a bit thick here, but what
is 75? I thought Rover 75 at first, but surely even
the oldest one still on the road can't be worth as
little as £1500?


Looking at his name i presume he means the Alfa Romeo 75 - a big old rusty barge from the late 80's/early 90's.
It's a miracle I've not had a....... - No Do$h
Wash your mouth out!


No Do$h - Alfa-driving Backroom Moderator
mailto:moderators@honestjohn.co.uk
It's a miracle I've not had a....... - blue_haddock
Wash your mouth out!


who? me? Never!
It's a miracle I've not had a....... - Alfafan {P}
Absolutely no rust on the Alfa 75 and certainly not a barge you cheeky young whippersnapper. You're thinking of the Alfasud, several of which were disappearing even as I was driving and enjoying the finest handling car of any era!

Bah! Youngsters!!
It's a miracle I've not had a....... - andymc {P}
Adam, try confused.com, they search a lot of available insurers. And don't worry about different brokers selling insurance for the same underwriter - we had quotes last year which were cheaper from Diamond than from Elephant, even though both are underwritten by Admiral. Quote was in my wife's name and Diamond specialise in insuring women. Same sort of concept for Adrian Flux, Endsleigh and others - they claim to provide better cover for a particular demographic.
Good luck, I know it's a pain. Have to do it myself over the next couple of weeks.
--
andymc
Vroom, vroom - mmm, doughnuts ...
It's a miracle I've not had a....... - HF
I can't believe there's really a confused.com!

But Adam, good luck in your search, I know what a pain in the butt it can be. In fact I will have it all over again when I get new car.

If I were you, I'd take very seriously the advice offered to you by Blue, I think he's of a similar age and gone through the ssame experiences you're going through now.

Good luck, take care,
HF
It's a miracle I've not had a....... - volvoman
"I can't believe there's really a confused.com"

I thought it was your personal domain HF :)


ps see ya later, that's if you're still speaking to me. ;)
It's a miracle I've not had a....... - HF
I'm still talking to you if you take me to view cars tomorrow.

And yup, you're right, I should have grabbed that particular domain shouldn't I?

Adam, sorry for taking up your thread.

HF
It's a miracle I've not had a....... - Adam {P}
HF - I'd be welcome of any distraction from insurance so be my guest!

Thanks again for the help people. I've tried Confused but in a lot of the cases, they're returning quotes from companies I've tried but with a considerable amount more which kinda rules that out.

I received a letter today from an insurance company quoting me not a cheap price but certainly one of the more competitive ones. It would have been competitive had the "offer" not expired on the 21st May. The letter was dated 3 days ago.

Madness.

Thanks again anyway - the search goes on.
--
Adam
It's a miracle I've not had a....... - No Do$h
Adam, we're talking about £200 here, not the price of a couple of pints.

Get back on to your existing insurers and explain again about the online quote and that you fail to see why you can't have the insurance on that basis. You never know, you may get to speak to someone for whom a) English is their native tongue and b) actually knows something about customer service, not call centre turn-around targets.

You know it makes sense.

Oh, and if it works I expect the price of a couple of pints as my fee. Although you'll have to drink them for me, as I don't anticipate any contracts in your neck of the woods in the next 6 months.
It's a miracle I've not had a....... - Adam {P}
Alan,

quite clearly you've never been on a night out with me ;-)

Seriously though, I explained the entire situation with them about how it seems ridiculous being screwed over for my loyalty but they didn't seem to understand what I was saying. Whenever I've been on the blower to them, I've been speaking to an Indian who seems to have been taught standard English phrases. Heaven help you if you need to ask a question that hasn't been covered.

Having said that, you are usually the voice of reason so I will be ringing them again. They get one last chance and then that's it.

No matter what happens, everyone on here deserves a pint for all the help they've given me. The 200 quid should cover that nicely!

You still owe me a drive in the Alfa though. We'll sort out the drinks then.
--
Adam
It's a miracle I've not had a....... - No Do$h
You're on. Next time I'm within 90 minutes drive of your neck of the woods we'll do it. I have a bit of family history to research in your neighbourhood(ish). My great grandfather resided in Nightingale Square on Hopwood Street prior to his demise near Ypres in 1917 and since the death of my gran last year various members of the family have started poking around the family tree. As usual, they end up asking me the questions ::shrugs::
It's a miracle I've not had a....... - Adam {P}
Ahh yes. Nightingale Square - I know it well :-)

What more could you want - find out your family history, and have a few pints while you're at it.

Sorted.
--
Adam
It's a miracle I've not had a....... - HF
Ok, Adam, I'm not gonna try and take up your thread again, but I really would recommend that you might talk with Blue Oval? I have known him for quite a while on here and couldn't find a lovelier or more helpful person, truly, and I have seen him go through the same kind of insurance problems as you are now.

Please, if you can, give him an email or try and find him on here. I wouldn't normally vouch for anyone, but this is one person that I would trust with my life. Doesn't hurt asking, eh?

Good luck Adam,

HF
It's a miracle I've not had a....... - Adam {P}
HF,

Are you on about Blue? I can't recall seeing a Blue Oval on here. If only a helpful, intelligent and downright witty mod were to toddle along and help me out...
--
Adam
It's a miracle I've not had a....... - No Do$h
I'll have to do. Blue used to be Blue Oval.

Does Nightingale Square still exist then? I know it was there in 1955 but that's the most recent reference I found using Google.
It's a miracle I've not had a....... - Adam {P}
Gotta be honest mate, I was trying to pull off a bit of sarcasm - Dave style.

Thanks for the info on Blue.
--
Adam
It's a miracle I've not had a....... - No Do$h
Gotta be honest mate, I was trying to pull off a
bit of sarcasm - Dave style.


Yes, I think you probably were.

::chortle::
It's a miracle I've not had a....... - HF
Blimmin 'eck, when's a girl ever gonna get some rest?! Yes, Adam, as ND has kindly confirmed, I do indeed mean Blue. He's a good mate of mine and I think he might be able to give you some advice.

HF
It's a miracle I've not had a....... - HF
Oi, don't be sarky to me! DD I can handle, you're unknown territory as yet!!

Seriously take care Adam and let us know how you get on.

HF
It's a miracle I've not had a....... - Adam {P}
Well well well. Welllity wellllity wellity.

Guess what I got in the post today? Yep - a renewal quote from the company for £888.

Now - based on the fact that no-one can even come close to that quote (no-one could come that close to £967 to be honest) and of course that I'm a man of few principles, (or at least none worth more than £100) I have decided I'm probably going to take the quote.

I'm not made up but it is the cheapest and it seems silly to "make a point" with a company who isn't going to notice whether I'm there or not.

At the end of the day, it's all about building up a history for me and I am happy that I'm going to be paying less than a grand.

In any event, thank you very very much for your extended help. I know I always say it but I do appreciate it. There's not much more I can say other than, if ever I see one of you, let me buy you a pint. No excuses now that I've made a saving!

Thanks again,
--
Adam