tigran
Club Retro Rides Member
In rust we trust. Amen.
Posts: 6,444
Club RR Member Number: 142
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Jul 26, 2006 18:48:33 GMT
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As title - stumbled across this thread and thought I would spread it about a bit so that peeps are a bit more careful with what they write, say and check before accepting any contract. Readeth here for muchos enlightenement(sp). I'm thinking very naughty things involving rusty nails and spiky bats.
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1964 Rover P5 i6 1987 BMW 525e - The Rusty Streak 1992 Micra K10 2001 BMW E46 316i 2002 BMW E46 330Ci 2013 BMW F31 320d 2018 BMW G31 530d
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Jul 26, 2006 18:54:27 GMT
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mm not good,i've had some dealings with their digruntled punters,basically if you try and claim on your own policy for an accident and they think it wasnt your fault they will tell you that they CAN'T deal with it and you have to speak to the other guys insurers.WTF why the fook do you pay for fully comp then ?
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tigran
Club Retro Rides Member
In rust we trust. Amen.
Posts: 6,444
Club RR Member Number: 142
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Jul 26, 2006 18:59:29 GMT
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Good question. To be fair other companies do a lot for their claims, just seems this one is particularly curse word.
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1964 Rover P5 i6 1987 BMW 525e - The Rusty Streak 1992 Micra K10 2001 BMW E46 316i 2002 BMW E46 330Ci 2013 BMW F31 320d 2018 BMW G31 530d
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Jul 26, 2006 19:41:31 GMT
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I'm a bit worried now as this is who i'm with through Adrian flux as i'm 23 when i rang most classic insurance companys they said i have to be 25 before they will insure me!!! Like you have to be over 25 to own a classic!!
Simon
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Why people with welders shouldn't be allowed recreational drugs
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Jul 26, 2006 19:43:54 GMT
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I have Highway on my Audis, and have claimed when someone rear ended me, and they have been very good.
Actually I use Chris Knott brokers, and the policy is through Highway. When I had the rear end, I phoned the claims line, and it was all sorted.
Cheers,
Steve
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Jul 26, 2006 19:49:55 GMT
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That makes me feel a bit better
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Why people with welders shouldn't be allowed recreational drugs
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Jul 26, 2006 20:56:14 GMT
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A lot of it can be down to the broker in terms of the customer service you get but the problems on the link above are due to the underwriter.
I have heard a number of horror stories about Highway Insurance recently. Including the case of a nice 1968 or 1969 Plymouth Baracuda which had a small underbonnet fire. Highway removed the car from the guy's house, he agreed to a payout of a few hundred or whatever for the localised fire damage, went to pick the car up from their assessment centre and it had been trashed with a forklift, sills bent, doors caved in. Totalled. And then then said "ah, but you accepted our pay out of £xxx" and tried to fob him off wioth a totalled car and loose change to fix it. He argied that they had caused hte damage and when he agreed to the payout he didn't know it was a write off due to them wrecking it with a fork lift. It had to go to the insurance ombudsman, threaten to go to court, solicitors, all that.
He got some more money out of them in the end but his car is still scrap now, when all that was matter was some burnt wires and a little scortched paint before!
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1941 Wolseley Not Rod - 1956 Humber Hawk - 1957 Daimler Conquest - 1966 Buick LeSabre - 1968 Plymouth Sport Fury - 1968 Ford Galaxie - 1969 Ford Country Squire - 1969 Mercury Marquis - 1970 Morris Minor - 1970 Buick Skylark - 1970 Ford Galaxie - 1971 Ford Galaxie - 1976 Continental Mark IV - 1976 Ford Capri - 1994 Ford Fiesta
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Jul 26, 2006 21:34:30 GMT
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Well, guess what I'm with them through roadsure, and with them through Lancaster! they just crop up! will have a read of that tomorrow propperly...
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it doesn't matter if it's a Morris Marina or a Toyota Celica - it's what you do with it that counts
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Jul 26, 2006 22:50:08 GMT
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I guess this is why people have made remarks about Flux in the past, I went with my brokers as they were helpful and not smarmy on the phone, price was good too. Hmmm, worrying stuff!
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it doesn't matter if it's a Morris Marina or a Toyota Celica - it's what you do with it that counts
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tigran
Club Retro Rides Member
In rust we trust. Amen.
Posts: 6,444
Club RR Member Number: 142
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Tbh they are all underwriten by lloyds so I don't see where the huge variation comes from.
I'll have to check who footmanjames and eCar insurance use. As they have given excellent quotes.
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1964 Rover P5 i6 1987 BMW 525e - The Rusty Streak 1992 Micra K10 2001 BMW E46 316i 2002 BMW E46 330Ci 2013 BMW F31 320d 2018 BMW G31 530d
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I had insurance through Adrian Flux once. I found their customer service to be rude, arrogant and very unhelpful. They won't ever get my money again.
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1962 Datsun Bluebird Estate - 1971 Datsun 510 SSS - 1976 Datsun 710 SSS - 1981 Dodge van - 1985 Nissan Cherry Europe GTi - 1988 Nissan Prairie - 1990 Hyundai Pony Pickup - 1992 Mazda MX5
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I found completely the oposite with Adiran Flux. very helpful. Told me I could modify my Chrysler as much as I liked so long as no nitrous, no cage, just phone to declare what you've done, no increase in premium. Nice. I liked that attitude.
tigran - the actual policy issuing company is the one which takes the primary riskk AFAIK. They are the ones who employ the loss adjusters and have the policy specifications. Lloyds provides an underwriting market for selling risk or something. Thats something even more complex to get your head round. You can invest in risk you know. Like you invest in shares. People made lots of money in it and then the market slumped and the "names" lost fortunes. Big scandal a few years ago about it.
End of the day its the company name on the top of the policy which decides who will actually pay oout in the event of a claim and this is the company that matters! The broker is just there to act as a point of contact between you and the insurer.
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1941 Wolseley Not Rod - 1956 Humber Hawk - 1957 Daimler Conquest - 1966 Buick LeSabre - 1968 Plymouth Sport Fury - 1968 Ford Galaxie - 1969 Ford Country Squire - 1969 Mercury Marquis - 1970 Morris Minor - 1970 Buick Skylark - 1970 Ford Galaxie - 1971 Ford Galaxie - 1976 Continental Mark IV - 1976 Ford Capri - 1994 Ford Fiesta
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You can invest in risk you know. Like you invest in shares. People made lots of money in it and then the market slumped and the "names" lost fortunes. Big scandal a few years ago about it. The Names system at Lloyds is / was a lot more complicated than that - I know a little about it as my father used to be one..... To symplify it hugely, the problem was several large claims (eg Piper Alpha) combined with a series of HUGE aesbestos claims from the USA, on policies that were issued as far back as the '50s*. The other issue was that Names only had to show that they had X amount of capital (IIRC, £100K or in that ballpark) but at that time, the liability for losses was unlimited . The accounting system takes about 4 years, so even those who pulled out the moment the first losses appeared still had another 3 years worth to cough up However, it also depended on what syndicates you were in - some never lost money throughout all this. *This is why you now have to claim within the lifetime (or a set period after) of that policy.
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Jul 27, 2006 12:03:22 GMT
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Oh brilliant! ... ...the thread states how bad 'elephant insurance' is ! I have insurred one of my motors with them due to fact they offer allowances for modifications and free euro cover/travel abroad of policy. But now i'm worried
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Jul 27, 2006 12:14:45 GMT
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I have been meaning to try direct line (good rep i think) for years, specially now am old enough, but since all cars are quirky old modified etc i go to usual supects for quotes. Engine fires are not usually covered by insurers, I read elsewhere.
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it doesn't matter if it's a Morris Marina or a Toyota Celica - it's what you do with it that counts
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Jul 27, 2006 12:48:59 GMT
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As they were the only people who would cover me, I'm with (god save me!) Adrian Flux now - through Sterling ....and they've been excellent to me so far
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Jul 27, 2006 13:33:14 GMT
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Direct Line (Tescos, but it was Direct Line resold through Tescos branding) were a nightmare when we tried to claim. Unhelpful. Mostly the problem was their approved repairer who they insisted we used made a complete f*** up of the work and left the car in a dangerous condition.
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1941 Wolseley Not Rod - 1956 Humber Hawk - 1957 Daimler Conquest - 1966 Buick LeSabre - 1968 Plymouth Sport Fury - 1968 Ford Galaxie - 1969 Ford Country Squire - 1969 Mercury Marquis - 1970 Morris Minor - 1970 Buick Skylark - 1970 Ford Galaxie - 1971 Ford Galaxie - 1976 Continental Mark IV - 1976 Ford Capri - 1994 Ford Fiesta
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Jul 27, 2006 13:36:29 GMT
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A minefield then this insurance business!
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it doesn't matter if it's a Morris Marina or a Toyota Celica - it's what you do with it that counts
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Jenn
Part of things
Posts: 929
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Jul 27, 2006 15:53:57 GMT
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Argh I didn't need to see this, I'm just trying to sort out my insurance for the Mini and I don't know who to trust. Bit limited for options while under 21.
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Been with Highway for many years on standard cars. Never had to make a claim (thankfully), so don't know what that side is like. Broker was HIC.
I foolishly went with Adrian Flux one year with the turbo. Sent in my mod form like a good boy - every item mentioned. They acknowledged reciept.
Rang up a few months alter to add a couple more mods to the list. What mods have you already done? We have no record.
So apparently I was uninsured for about 6 months. Thanks Fluxup!
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