Sky insurance bye bye

[Rayman]

This is what you get for loyalty, swapping over from a toyota supra TT to a civic type r and they want more money from me to insure me to the end of september.

 

Apparantly the type r is newer so requires more to insure. So im coming down insurance group but paying more money.

 

Blatantly ripping me off.

 

Supra import

group 20

280bhp

no traction control

rear wheel drive

easy to break into

Mods including bodykit, wheels, exhaust

 

Type r uk

group 17 or 18?

197bhp

traction control

front wheel drive

not as easy to break into

Completely stock

 

I won't be using them again and recommend to anyone unless you are only changing your car at the end of an insurance year not to bother.

 

Just for the record, third year this with sky and no claims what so ever.

Edited July 8, 2009 by Rayman (see edit history)

[michael]

I suspect the Type-R is a higher risk car for insurance companies though, the grouping may be lower but I bet they have had a lot more claims on them due to the sort of people who usually own them

 

I've changed cars lots of times with them, sometimes several times within a very short period of time, they have been refreshingly good to deal with each time with no extra costs being charged. I don't want to rub it in as you are obviously upset but for me they have been much better to change info or cars with than any of my previous insurers.

[Rayman]

So for you theyve been fine but this time they decide to take the michael (no pun intended).

 

I understand they may have more claims with the type r but i just find this amazing. I can get type r insurance for about £5-600 quid for a full year wheras the supra costs me 943 a year? where is the sense in that.

[DannyW]

I suppose money talks at the end of the day, sky were cheaper than everyone else i tried but if they hadn't of been then i would have gone with whoever was.

 

Out of interest Rayman, why a type R over the supra? (ive also had both but i'm interested in why you decided to swap).

[michael]

So for you theyve been fine but this time they decide to take the michael (no pun intended).

 

I understand they may have more claims with the type r but i just find this amazing. I can get type r insurance for about £5-600 quid for a full year wheras the supra costs me 943 a year? where is the sense in that.

 

 

This is the problem with insurance, so many variables and different companies weight them differently. Sounds like Jae is going to take a look at it for you according to the other thread so they might be able to sort you out.

 

Fun little cars though, you'll have to post up a comparison review once you've had chance to explore it.

[Rayman]

Its not a swap thru choice just necesety(sp) really, i need something fairly normal car wise but not totally boring.

[Rayman]

This is the problem with insurance, so many variables and different companies weight them differently. Sounds like Jae is going to take a look at it for you according to the other thread so they might be able to sort you out.

 

Fun little cars though, you'll have to post up a comparison review once you've had chance to explore it.

 

Thanks i will, never driven one before, am expecting more agility and less power. I will probably miss the straight line power of the 2nd tubby.

[merckx]

I can get type r insurance for about £5-600 quid for a full year wheras the supra costs me 943 a year? where is the sense in that.

No sense at all.

 

Have you asked if they'll match your cheaper quote?

 

I switched from Sky to Admiral, no fixed value for the car but I don't leave the car in vulnerable places and the insurance was much cheaper.

 

I got the quote from Compare The Market, much cheaper for me than the other companies that can give you multiple quotes from different insurers.

[Rayman]

No sense at all.

 

Have you asked if they'll match your cheaper quote?

 

I switched from Sky to Admiral, no fixed value for the car but I don't leave the car in vulnerable places and the insurance was much cheaper.

 

I got the quote from Compare The Market, much cheaper for me than the other companies that can give you multiple quotes from different insurers.

 

 

I havnt done a cheaper quote to be honest i didnt even go armed with a quote since i took it as god given the type r must be cheaper to insure for me.

[DannyW]

Thanks i will, never driven one before, am expecting more agility and less power. I will probably miss the straight line power of the 2nd tubby.

 

You'll love it, real drivers car, handling to die for and not slow at all. A lot of people think you have to rev the nuts off them all the time, this isn't true. They go really well all through the rev range.

 

Good luck with it.

[Rayman]

You'll love it, real drivers car, handling to die for and not slow at all. A lot of people think you have to rev the nuts off them all the time, this isn't true. They go really well all through the rev range.

 

Good luck with it.

 

Thanks danny.

[lockys96]

you do need to speak to the correct person, and it seems that brokers can only get certain deals at certain times.

 

its always best to talk to luke, but i guess there could be many reasons for price

[tooquicktostop]

What was the value of the TypeR ?

 

I imagine the car is newer and therefore higher book value, also it is not exactly a massive downgrade in insurance groups but if it is higher value then they are more likely in the event of an accident to have to repair rather than right off

 

Its all about risk

[benkei]

You'll love it, real drivers car, handling to die for and not slow at all. A lot of people think you have to rev the nuts off them all the time, this isn't true. They go really well all through the rev range.

 

Good luck with it.

 

The FN2? You sure? The EK9 is definately a diver's car, Maybe the EP3, but the new Type-R is fat, heavy, and has cheap suspension! Too many gadgets and add ons. They're nice looking cars, and very comfortable, don't get me wrong (saw one in championship white the other day, looked amazing!) But the Type-R range is just a shadow of it's former self... For the UK market anyway. The FD2 (Jap's equivalent) is MUCH better! And no cheap corner cutting either!

[Rayman]

What was the value of the TypeR ?

 

I imagine the car is newer and therefore higher book value, also it is not exactly a massive downgrade in insurance groups but if it is higher value then they are more likely in the event of an accident to have to repair rather than right off

 

Its all about risk

 

same value 6500 its all to do with amount claimed now apparantly.

[Rayman]

The FN2? You sure? The EK9 is definately a diver's car, Maybe the EP3, but the new Type-R is fat, heavy, and has cheap suspension! Too many gadgets and add ons. They're nice looking cars, and very comfortable, don't get me wrong (saw one in championship white the other day, looked amazing!) But the Type-R range is just a shadow of it's former self... For the UK market anyway. The FD2 (Jap's equivalent) is MUCH better! And no cheap corner cutting either!

 

Its the ep3 im on about which is not even the current model type r.

[Branners]

Supra = history of being driven by more mature people

 

Type R = history of being driven by baseball cap wearing yoofs with a penchant for driving beyond the cars means and slamming it in to a wall/post/bus stop.

 

I think you can see why the Type R costs more to insure.

[Rayman]

Sorry dont agree.

[Ian W]

Sorry dont agree.

 

Tis true, sadly.

 

Sky recently put up a thread on the DC2 forum congratulating 'us' on keeping the DC2 and DC5 as one of the best performing performance cars with regards to the number of claims that are made by their owners.

 

The worst performing (or one of) was the EP3. Go figure

[Branners]

well its your choice not to agree, but you have to admit the type R has more of a boy racer following. You also cannot ignore the fact that Sky pointed out there is a 200% hit on type-r insurance, so for every £1 they take in they have to give £2 out.

 

You also cannot ignore the fact that all insurance companies will look to charge you more if you change cars unless you step down a number of insurance groups.

 

There are lessons to be learnt about how to handle insurance renewals and change of cars. Hopefully others can learn from the discussions around these points.

[Rayman]

Thing is im looking at the risk for me, its nothing to do with the history the car for other drivers, maybe sky should look at it from a more personal level, like ohh this guys not claimed a penny from us in three years not even a speeding fine. Im less risk in a type r than a supra.

[Branners]

insurance doesnt work that way though.

 

The insurance companies really care not a jot about you, its about where you live, whether you have been lucky enough not to get in an accident and whether the car you have chosen has a history of being chosen by those unable to drive. Those are the only things they can measure.

 

You may have a clean licence for 20 years and never have an accident, but the first moment you get points or hit something they will ignore your great driving history and treat you like any other person with a similar penalty or accident in the same type of car.

[Rayman]

well its your choice not to agree, but you have to admit the type R has more of a boy racer following. You also cannot ignore the fact that Sky pointed out there is a 200% hit on type-r insurance, so for every £1 they take in they have to give £2 out.

 

You also cannot ignore the fact that all insurance companies will look to charge you more if you change cars unless you step down a number of insurance groups.

 

There are lessons to be learnt about how to handle insurance renewals and change of cars. Hopefully others can learn from the discussions around these points.

 

Yes lesson learned, unfortunately sometimes you cant always change your car at the end of the insurance policy. Id understand if it was an admin fee. I just dont understand ive phoned them before and they dont give two hoots about mods as long as you tell them but changing to a lower insurance bracket unmodified car and they wanna charge.

They aint daft they know the position im in, its wrong, i paid 943 to insure the supe for a year, iim sure if id tried to insure a type r at the begining of my policy it would have been cheaper than that.

Edited July 8, 2009 by Rayman (see edit history)

[Jake]

I had the same problem with Sky when I needed to swap my insurance from a heavily modified 500+ hp single turbo y2k Supra to a totally stock 03 BMW M3 (343hp).

Both cars worth about the same money.

 

I was paying about 1k to insure the Supra a year. The M3 costs me around £400/year..

...But somehow when I needed to change the policy from one car to the other for the last 4 months of its duration, Sky decided that I needed to pay an extra several hundred quid (about 300 IIRC)

 

It's blatant screwing-the-punter-cos-we-can tactics. They probably all do it though.

[Rayman]

insurance doesnt work that way though.

 

The insurance companies really care not a jot about you, its about where you live, whether you have been lucky enough not to get in an accident and whether the car you have chosen has a history of being chosen by those unable to drive. Those are the only things they can measure.

 

You may have a clean licence for 20 years and never have an accident, but the first moment you get points or hit something they will ignore your great driving history and treat you like any other person with a similar penalty or accident in the same type of car.

 

 

Sky being a broker tho youd think they would bother and use their powers of persuasian(sp), its more of a personal service not here's your price take it or leave it. I was under the impressions thye want as many customers a possible.