DodgyRog Posted May 5, 2009 Share Posted May 5, 2009 I dont mind people making money but for the so called 'club insurer' not to offer there best price or even a competative price a very poor show. That's exactly my point Quote Link to comment Share on other sites More sharing options...
j80leo Posted May 5, 2009 Share Posted May 5, 2009 I dont mind people making money but for the so called 'club insurer' not to offer there best price or even a competative price a very poor show. Good point. Quote Link to comment Share on other sites More sharing options...
ellis Posted May 5, 2009 Share Posted May 5, 2009 How do they work out for you then, what is your experience of them over the past 10 years!!!! Very cheap - and have some respect for your elders you Feesta driving scamp! Quote Link to comment Share on other sites More sharing options...
flukey-lukey Posted May 5, 2009 Share Posted May 5, 2009 I had my insurance renewed with Sky last week. Last years premium was £800, the renewal came through at £849 I got a quote from Flux for £625 and rang sky, they agreed to match it. I asked why they didn't just offer me a competative price or offer to beat Flux's quote and they said as they are just a broker they have to get on to the insurer with quotes from other companies to prove how uncompetative they are... What I don't understand is I have 2 policies with Sky, one for the supra declared mods £9k value etc etc that costs £625 and the other for a clapped out W reg mondeo valued at £500 which costs me £420 to insure. Either one is too cheap or one is too dear Quote Link to comment Share on other sites More sharing options...
Homer Posted May 5, 2009 Share Posted May 5, 2009 I dont mind people making money but for the so called 'club insurer' not to offer there best price or even a competative price a very poor show. But that's not how insurance works, if Sky offered their minimum amount on each renewal there'd be no point with the affiliate schemes. As with any insurance renewal it's up to us to work for the best rate, be it Sky or any other broker/insurance company. Just ring round, get some quotes and go to your preferred companies with the best offers and see who provides the best package for the money. Quote Link to comment Share on other sites More sharing options...
Branners Posted May 5, 2009 Share Posted May 5, 2009 I dont mind people making money but for the so called 'club insurer' not to offer there best price or even a competative price a very poor show. Their prices are competitive when compared to mainstream insurers. Give Direct Line a call and ask them to quote, Im sure Sky can beat them. Sky will not go cut throat, they have watched other insurers do that and seen where it leads to. They have to refer better quotes back to their insurer who can then decide if they wish to allow that level of discount. They cannot and will not discount below what their underwriter is saying without being able to show that it is to match the price another insurer has quoted. If they chose to discount that far without the underwriter's say so, and you crash the car they lose money, and if they lose enough money they go bust, and if that happens then nobody gets a good deal. Would you expect a trader like Dusty or Paul Whiffin to trawl the internet to find you the best quote on parts, or discount their parts so far that there is no profit left? Would you on the other hand shop around and find the best price and then ask if they can match it as they are a known trader? ALso worth remembering that the majority of renewals are based on the same information as last year, and guess what, last year they price matched another insurer to get you the best price. Their price has not gone up, it is just back at the level it was last year before they did a price match. Remember, you dont have to use Sky, we have them as the 'club insurer' because they are a known quantity and for a large number of members have given good prices on a price match. Quote Link to comment Share on other sites More sharing options...
gaz1 Posted May 5, 2009 Share Posted May 5, 2009 my cl600 was quoted at £997 with sky. i went online and got £448 with admiral:blink: so i went with admiral, i also have another 2 cars with sky but alas i may not even bother quoting for a renewal i will probably just go with the admiral multicar policy and put my partners and her lads on it and get the best price for all 5 cars Quote Link to comment Share on other sites More sharing options...
DodgyRog Posted May 5, 2009 Share Posted May 5, 2009 But that's not how insurance works, if Sky offered their minimum amount on each renewal there'd be no point with the affiliate schemes. As with any insurance renewal it's up to us to work for the best rate, be it Sky or any other broker/insurance company. Just ring round, get some quotes and go to your preferred companies with the best offers and see who provides the best package for the money. Their prices are competitive when compared to mainstream insurers. Give Direct Line a call and ask them to quote, Im sure Sky can beat them. Sky will not go cut throat, they have watched other insurers do that and seen where it leads to. They have to refer better quotes back to their insurer who can then decide if they wish to allow that level of discount. They cannot and will not discount below what their underwriter is saying without being able to show that it is to match the price another insurer has quoted. If they chose to discount that far without the underwriter's say so, and you crash the car they lose money, and if they lose enough money they go bust, and if that happens then nobody gets a good deal. Would you expect a trader like Dusty or Paul Whiffin to trawl the internet to find you the best quote on parts, or discount their parts so far that there is no profit left? Would you on the other hand shop around and find the best price and then ask if they can match it as they are a known trader? ALso worth remembering that the majority of renewals are based on the same information as last year, and guess what, last year they price matched another insurer to get you the best price. Their price has not gone up, it is just back at the level it was last year before they did a price match. Remember, you dont have to use Sky, we have them as the 'club insurer' because they are a known quantity and for a large number of members have given good prices on a price match. I totally understand what you are both saying, but as club member we should get better rates. Yet when renewal time comes the price doesn't seem competive with other equivalent insurance brokers until you ring back for a price match. I do not expect them to risk their business for me or any other member, but the difference between renewal quote and a new policy elsewhere is substancial. I don't expect any miracles and would always ring around, as that has become the norm. All I was thinking is, it would be nice if the club insurer was able to be competive from the off, rather than £100's out. I know this is not going to happen, but ideal world and all that!! Also they only ever match and that actually doesn't give us any better rate as a club member with the club insurer. It's always an iffy subject, as we all feel we pay over the odds, due to the uninsured and idiots anyway:taped: I guess until you have to make a claim you never really deal with them in a pressure situation, so hopefully I won't find out if they are decent at that bit. I do relise we have the option to insure with who we like. Althou I would prefer to stay with the club insurer, but I am not sure what we get from them as our club insurer thats all. Quote Link to comment Share on other sites More sharing options...
Scott Posted May 5, 2009 Share Posted May 5, 2009 my cl600 was quoted at £997 with sky. i went online and got £448 with admiral:blink: so i went with admiral, i also have another 2 cars with sky but alas i may not even bother quoting for a renewal i will probably just go with the admiral multicar policy and put my partners and her lads on it and get the best price for all 5 cars I've been raving about admiral for ages, a lot of the time people seem to discount it. I haven't had a quote CLOSE to what admiral is offering me on my supra let alone the 3 cars i have insured combined. I think its around a 20% discount using the multicar policy, even without i get insurance for less than 500 on the supra. The no claims can also be used accross the different vehicles which is a bonus. Quote Link to comment Share on other sites More sharing options...
SteveR Posted May 6, 2009 Share Posted May 6, 2009 Innocent question: If we shouldn't expect any favours, what direct benefits are there for the members from us having a club-affiliated insurer? I can see that it benefits them hugely, but where is the reciprocal? (I appreciate they insured against bad weather for SupraPod last year, but that's an indirect benefit and only a recent addition to their offering AIUI.) Quote Link to comment Share on other sites More sharing options...
Burna Posted May 6, 2009 Share Posted May 6, 2009 I've been raving about admiral for ages, a lot of the time people seem to discount it. I haven't had a quote CLOSE to what admiral is offering me on my supra let alone the 3 cars i have insured combined. I think its around a 20% discount using the multicar policy, even without i get insurance for less than 500 on the supra. The no claims can also be used accross the different vehicles which is a bonus. Ask Admiral what they think your Supra is worth. Without an accurate agreed value figure with a company like Sky the slightest accident will most likely see a Supra written off with Admiral/Elephant. 30-40% of the book price isn't goint to buy you many parts from Toyota let alone body shop labour costs. Quote Link to comment Share on other sites More sharing options...
Dnk Posted May 6, 2009 Share Posted May 6, 2009 Ask Admiral what they think your Supra is worth. Without an accurate agreed value figure with a company like Sky the slightest accident will most likely see a Supra written off with Admiral/Elephant. 30-40% of the book price isn't goint to buy you many parts from Toyota let alone body shop labour costs. Exactly why i must have agreed value, whats the book value on a 94 reg mkiv tt with 126k on the clock ? £3k £4k £5k ? possibly even less Quote Link to comment Share on other sites More sharing options...
Nodalmighty Posted May 6, 2009 Share Posted May 6, 2009 Same with me 15 months ago when I renewed. This year I managed to get about 20% off. I'll also add that Sky left me to do ALL the legwork when I had to claim from a thrid party's insurance when they drove into my parked car (I've got fully comp cover and have always been lead to believe that the broker will do a lot, if not all, of the ringing round chasing the 3rd party insurance underwriter). That sounds very familiar I rememeber that days when you just phoned your broker and everything was taken care of, not any more it seems (at least NOT with the SPECIALIST Insurers). Lyndon. Quote Link to comment Share on other sites More sharing options...
fizzle Posted May 6, 2009 Share Posted May 6, 2009 i actually see no benefit in Sky being club insurer other than they get to pedal their wares on here. many insurers will also give a discount for being in an owners/car club anyway.. all insurers are out to make money obviously, its just sky have a better marketing dept.. shopping around is the only way to get a good price, thus completely making a club insurer irrelevant? (unless they can provide benefits to the club ie. better price/service, and other perks not available to everyone anyway!) Quote Link to comment Share on other sites More sharing options...
Dnk Posted May 6, 2009 Share Posted May 6, 2009 Ive just had my quotes and think im moving insurers Quote Link to comment Share on other sites More sharing options...
Frank Bullitt Posted May 6, 2009 Share Posted May 6, 2009 Sky has just quoted my missus £550 fully comp on a '93 J-Spec Auto BPU Supra! She has been driving 27 years and has full protected no claims bonus. To me this seems really expensive. Quote Link to comment Share on other sites More sharing options...
SteveR Posted May 6, 2009 Share Posted May 6, 2009 I'll also add that Sky left me to do ALL the legwork when I had to claim from a thrid party's insurance when they drove into my parked car (I've got fully comp cover and have always been lead to believe that the broker will do a lot, if not all, of the ringing round chasing the 3rd party insurance underwriter). I missed this first time through the thread. I had te same experience - some old biddy reversed out of car parking space and into the side of my last Supra whilst I was stationary. She stated to a copped who turned up by chance that she'd done it but my choice as far as Sky were concerned was to claim on my insurance and hope they resolved the situation in my favour, at which point my no-claims record would be restored, or sort it out myself and use the Legal cover people for help if I needed it. As my renewal was due a few weeks later (and the whole thing took months for me to sort out) I had to go for the manual option otherwise I'd not have ben able to afford the renewal (even if it would have been largely refunded to me once officially settled and no claims status returned). Exactly why i must have agreed value, whats the book value on a 94 reg mkiv tt with 126k on the clock ? £3k £4k £5k ? possibly even less I'llgive you £3k for yours Dunk. Quote Link to comment Share on other sites More sharing options...
Dragonlady Posted May 6, 2009 Author Share Posted May 6, 2009 Sky has just quoted my missus £550 fully comp on a '93 J-Spec Auto BPU Supra! She has been driving 27 years and has full protected no claims bonus. To me this seems really expensive. Ours wasn't far off that price from Sky, give Adrian Flux a call and see what they can do, and also A-Plan Quote Link to comment Share on other sites More sharing options...
Scott Posted May 6, 2009 Share Posted May 6, 2009 Ask Admiral what they think your Supra is worth. Without an accurate agreed value figure with a company like Sky the slightest accident will most likely see a Supra written off with Admiral/Elephant. 30-40% of the book price isn't goint to buy you many parts from Toyota let alone body shop labour costs. Been through it all before with Elephant (same underwriter as admiral afaik). I just argued my case until they conceeded what my car was worth. I had to get loads of ads the same spec as my car showing how much they sell for. People who get less than the value of their car simply aren't trying hard enough IMO. What reason do you think you input the value of your car for an insurance quote? Quote Link to comment Share on other sites More sharing options...
Henk Posted May 6, 2009 Share Posted May 6, 2009 My experience this year was unreal. My Sky insurance came through for renewal so I phoned to tell them my daily driver car was changing to the ML55. Unfortunately they would not insure it so I started phoning around. Admiral did me the Supra for £300 odd fully comp protected and with the Merc thrown in my total bill came to just over £1000. But here comes the crunch, Admiral did me the Supra & Merc for £450 less in total than Sky's renewal was for the Supra & the Peugeot 406!!!! Quote Link to comment Share on other sites More sharing options...
supradibbs Posted May 6, 2009 Share Posted May 6, 2009 Just renewed with Sky for one very good reson i have been with them for now 4 years and hey have been very good to me my insurnce dropped by 100 quid this year 30 10+NCB 6 points and every mod on my car declared even done to the full genuine kit and my wheels insured on a seperate policy £1030 for a 600hp car not bad i think Quote Link to comment Share on other sites More sharing options...
Dnk Posted May 6, 2009 Share Posted May 6, 2009 I'llgive you £3k for yours Dunk. £3k for an old cart like mine on dodgy crap handling 19's Ive just spoken to Adrian Flux and they wont quote me on my supra lol Im going with Livingstones now Quote Link to comment Share on other sites More sharing options...
Mike Posted May 6, 2009 Share Posted May 6, 2009 Innocent question: If we shouldn't expect any favours, what direct benefits are there for the members from us having a club-affiliated insurer? I can see that it benefits them hugely, but where is the reciprocal? (I appreciate they insured against bad weather for SupraPod last year, but that's an indirect benefit and only a recent addition to their offering AIUI.) I think that's a fair one. I wouldn't expect them to cut their own throats, but giving us x amount of discount as standard (most insurers work to 19ish% commission) would be a start. It does seem as they get a lot of press (no publicity is bad publicity ) and treat us as if we had walked in off the street? Fair enough we all have to shop around, but this seems like a very one way deal to me? Quote Link to comment Share on other sites More sharing options...
mr lover Posted May 6, 2009 Share Posted May 6, 2009 Matching a quote is fair enough BUT then we should, as members, get our club discount from that Surely thats the benefit of a club insurer Quote Link to comment Share on other sites More sharing options...
Branners Posted May 6, 2009 Share Posted May 6, 2009 I think that's a fair one. I wouldn't expect them to cut their own throats, but giving us x amount of discount as standard (most insurers work to 19ish% commission) would be a start. It does seem as they get a lot of press (no publicity is bad publicity ) and treat us as if we had walked in off the street? Fair enough we all have to shop around, but this seems like a very one way deal to me? Always happy if people want to help out, so do feel free to track down another club insurer that will guarantee a discount over quoted rates, give better quotes than all other insurers out there, understand the mods you have on your car and also do a price match if you do find a better supplier. Not messing about here, if you or anybody else can find an insurer that will give a better deal in all cases and has a proven track record of being able to deal with claims then we are happy to take a look at them. So I expect all those who have complained in this thread to find at least one insurance company that will beat Adrian Flux or Admiral and will give the same discount in all cases. Dont forget the key element here is that they quote low, no point in having a 10% discount if they are still more expensive than some other random insurance company. While you all take the time to do that, I will keep Sky on as the club insurer so those that play the game their way get great quotes. JB Quote Link to comment Share on other sites More sharing options...
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