SCOOBERATORS

Hoooooooo thats nasty . I dont understand insurance at all,you must of made some serious claims for it to be that high.

At least you are driving around still lizzy.

Richard............


[Edited by SCOOBERATORS - 5/2/2002 10:24:09 PM]

jharris

Lizzy,

I can sympathise with you... being a male under 25 with no no-claims (driving on other peoples policy's until now) on a scooby isn't nice... My premium is only slightly better than yours and I've got a clean license so its purely my age and gender which count agains me. The former I can't change quickly, the latter ain't going to get changed for cheaper insurance!!!

cheers

Jamie...

PS - what did you get 'jacked for? A different scooby?

[Edited by jharris - 5/3/2002 11:57:43 AM]

HKSubaru

at times like this..i wish i was born in a family that owned a insurance company!

[Edited by HKSubaru - 5/3/2002 1:41:55 PM]

Lizzywizz

....get carjacked, let someone smash into you, run up someone elses backside, do 105mph on a dual carriageway and get caught, and finally buy a Grey import scoob all in one year!!!.....because if you do you might end up with an insurance bill like the one iv'e paid today!!

Existing company (who I've been with for 20 years) quoted £5340 to renew (£970 last year when none of the above had happened!) - actually said the figure was high as they didn't want my business cus I was too big a risk

After 5 hours ringing numerous companies who quoted £4K+ I eventually got it down to a amazingly low £2,800 with £1000 excess, and I had to buy a tracker (not just any old tracker - a Tracker Monitor was cheapest option of the four allowed, at £439 + £99.

Perhaps my only saving grace is that I'm a fortysomething female and not a teenage boy racer!!

Lizzy

Puff The Magic Wagon!

iTrader: (2)

Teach you to be a "Boy Racer"

Glad you've still been able to keep the scoob

It'll be cheaper next year...

STi wanna Subaru

iTrader: (1)

I'm sorry to hear the bad year you've had. If I was getting those quotes and could afford to pay that premium (which I can't) I sorry but I'd still sell the scoob. I could not justify that cost for a years insurance

pslewis

Well I dont want a liability like that on my insurance company!!

You are, without doubt, a walking disaster area!!

Glad You are happy - makes my £450 look pretty good value, but then again I am a SUPERB driver!!

Pete

boomer

Lizzy,

considering that 1) was not your fault, 2) was not your fault, 3) dunno the details, 4) harmed no-one and 5) supports globalisation , it seems that insurance companies want to take the p!ss!!!

Now remind me, what is the average fine for driving without insurance? Around GBP300 if i recall correctly [img]images/smilies/mad.gif[/img]

So what kind of behaviour is this encouraging??

Sorry to hear this,

mb

stevem2k

Don't even have to be the disaster area that is Lizzy I had a no-fault (on me) accident last Nov. Everything sorted and claimed back from the other driver no stress on the Ins company's behalf, 9yrs NCD on renewal.

2001 Insurance £740
2002 Insurance Renewal £1204

..suffice it to say they won't be seeing any more of my cash

We appear to be fronting the money for the WTC rebuilding program

Steve

DaveD

iTrader: (2)

Ouch, but at least it's half the price of your original quote!

Hope you get to reclaim some NCB from the incident where someone drove into you?

Lizzywizz

Should get a bit back when "non-fault" is settled (in dispute cus my diagram was a bit different to third party's

It's the one where I had a slight shunt into the back of an old 205 at a roundabout queue that makes me mad! He claimed whiplash injuries (total lie!!!) and got £8K for personal injury!! Repairs to both cars only cost £650.

And although the payout for the nicked car was £17K they got the car back undamaged and managed to sell it for £10K, but they won't change the amount of the claim to reflect this!!

Lizzy (feeling a bit put out )

ChrisB

Ouch Lizzy!

Ah well, best get your money's worth then - get out there and drive it!

flat4

what you need is a boost gauge fitting i'm sure someone out there can help


kev

brendy

It would be doubtful if the scheming scumbag got 8000 - most get about 5k even in genuine high speed accidents where they will have neck pain.
Is your insurance company lying to you???????

Kingsize K2

L,

If it isn't too late, call Christian @ Keith Michaels on 020 8288 0677 (my insurance broker)!

I have had enough large incidents as far as cars are concerned (no injuries I hasten to add ), and my insurance is still manageable.

He is the man in the know...

Glad to hear you are still driving the Scoob

shunty

Lizzywizz - that's what I call dedication to your car
no Golf TDI for you then eh, that's the spirit

better luck for the next few years to make it up for all the bad.

shunty

astraboy

Lizz, If they dont want your business then they dont want your business. I had exactly the same but with my astra (seems they dont like Nitrous )
Fortunatly the bloke I deal with at greenlight was a 100% geezer and found the guy who used to work at my old insurer AFTER he had moved to his new company. He worked me a bit of magic and saved me around 220squid IIRC.
Not that it helps you much but at least its better than being refused outright.
Glad to hear you could keep the scoob though.
astraboy.

MartinM

Lizzy

I bet you could do without this. Probably good that I had that SS backbox off you, or else the premium would have been even higher

Keep smiling...there's always someone worse off (somewhere...)

Martin

Trouser @TSL

!!..WOW!!! that sucks big style!!!.. it's already been said, but thats's above and beyond the call of duty !

go and get EVERY miles worth now!

Cheers

Trouser
(jammy get on garage insurance .. mind you.. you DO NOT want to pay our premium! )

Lizzywizz

Thank for all the replies guys, sympathetic and otherwise

Had a sleepless night worrying that I was too quick to accept the Priviledge quote and if I'd kept trying could have got it down some more......

Does anyone know if it's possible to cancel the policy and get the £550.00 deposit (paid with Visa) refunded???? The policy docs came through this morning but it doesn't take effect until midnight saturday.

Lizzy

Kingsize K2

If the policy doesn't take effect until Saturday surely you can cancel it :confuse:

I can't beleive they could try and prevent you from recalling the deposit...

dosenöffner

Privilage have a 1 month cancellation period. Not sure if the contract hasn't started yet. Don't suppose you have signed and returned the agreement form? Just make sure you can get it cheaper somewhere else before you tell an insurance company to get stuffed

Jen

Lizzy - I assume you're paying monthly?!

Under all credit agreements you have a period to think about it and cancel if you wish...I think it's 16 days by law, although someone can correct me. You'll only have to pay for the day's you've had cover for, I did this once with the AA and only paid for 4 days....hope you find a better one! You tried Tesco's?

Good luck

Jen

Lizzywizz

Kingsize K2, Thanks so much for your recommendation!!

Christian at Keith Michael's is definitely "The man in the know". He gave me a quote of £2,400 with only £500 excess (The annoying thing is that I did't need the tracker after all (waste of £539!) He's of the same opinion as some of you - that you wouldn't want the car back if it was nicked anyway.

So I was able to cancel the Privilege policy at no expense to me! Its still a lot of money but a little bit more bearable - and I can pay it over 4 months free of interest

Lizzy

Kingsize K2

Lizzy,

Great! He insures almost everyone I know down here and in particular all of my friends with "Performance" cars. Be they EVO 6's, Clio V6's, WRX's... and he always comes up trumps!

He actually drives a modded EVO 6 and used to own an Impreza so he knows about the cars as well. I just spoke to him and he had a client ring him today who had his Sklyline insured with Tesco. It took them 13 months to authorise repairs on the car so that guy won't be going with them again... be warned!!

Happy for you that he has been able to help you out

Think he owes me a drink or two!!

Jen

13 months for Tesco to authorise repairs?! Oh Sh*t. We're waiting for them to do ours!

They reckoned 48hours...we'll see...

Kingsize K2

Oh Gawd!

Hopefully you'll have a MUCH better story to write about them

Jen

I''ll let you know! <Jen picks up phone...>

Phill

Lizzy,
I would not normally post this but they are indeed taking the micheal, perhaps if you where to set up your own company as you were planning to do that anyway (wern't you , nod, nod).

Most copmpany vehicle insurance policy's are £1500 per vehicle irregardless of driver history or vehicle worth my best mate has a porker and transit that cost him the same to insure, and you can have several named driver's on the policy if thats any use. However you could then drive even on business and be fully insured, which most social and domestic policy's dont cover even getting to work !

Regestering a company name and effectively setting up a firm costs only £30 to companys house.

It's up to you morally and all, but i know alot of people that save lot's of cash and can drive cars they otherwise could not dream of insuring !

Hope this helps,

Phill

Dave T-S

Phill

Sorry, that's rubbish.

To insure a company car and get a fleet discount, you have to have a fleet. One car doesn't count as a fleet.

And not all fleet insurers charge £1500 per vehicle. Ours don't.

In general, I have resisted posting on here as it is bound to degenerate into an "all insurance companies are robbing ba$tards" thread like they all do, but last year motor insurers paid out £1.15 in claims for every £1 in premiums they received.

Would you want to do that? As far as I am aware the insurance industry isn't registered with the Charity Commissioners.

Oh, and whilst we are on the subject, one of the reasons premiums have shot up (apart from fraud, which people on this BBS commit every day by deliberately not declaring mods) is because thanks to the government the NHS can now claw back the cost of treatment from insurers. Another stealth way to stiff the electorate. And who voted the Labour government in.....