Sky Insurance

[Safely Insured]

That's two years in the row that Sky can't offer competitive quotes for my Skyline. They're way off the competition. At the end of the day they're just a broker and it seems that they are not working with competitive underwritters, I read left right and centre that they're always too expensive. I suppose they don't really care but neither do I Been with A-Plan the past two years and very happy with the whole process each time.

 

You have to understand that we cannot be competitive each and every time, if we uncompetitive for every person that calls us, we wouldn't be in business. Sky Insurance are actually going from strength to strength when a lot of our competitors are falling around us. It may well be that A Plan are very keen to keep your business and are going underneath the market rate to keep hold of this. It may also be that the companies we use are the same as A Plan so we cannot undercut their rates using the same underwriters.

[Safely Insured]

I have my civic insured with them just now (run about) and I had mentioned them to my dad to use on his E60 520d BMW.

 

 

Standard UK car insurance is not our speciality.

[Safely Insured]

Sky are supposed to be our club insurers... why are they incapable of coming up with good deals? I've heard nothing but bad things about Sky since I've joined the forum.

 

There is a fair amount of good feedback in our main thread and we have some very happy and loyal Supra Club members insured here, also, to be fair, how many people would take the time to leave an insurer positive feedback?

[nevins]

Well I have no fault with sky they quoted me the cheapest price for my supra and after selling on and getting the 14a, they were yet again the cheapest so the policy was carried on with them.

[add heywood]

To be honest, I very much doubt that any of our agents would say that but we do not insure in the 'L' Liverpool postcode area due to the horrendous claims loss ratio in the area.

 

Or "M" for Manchester... Or "W" for Wigan...

 

I respect you coming on the thread and actually answering people's concerns which can only be a good thing. But having the 2 biggest cities in the North of England "excluded" is a little unfair. I accept it's not Sky Insurance's fault, and people may think that people who live round here are just moaning but as the "Club insurer" I keep seeing lots of people not getting the best deal unless they are slap bang in the middle of your target customer.

[Safely Insured]

Or "M" for Manchester... Or "W" for Wigan...

 

I respect you coming on the thread and actually answering people's concerns which can only be a good thing. But having the 2 biggest cities in the North of England "excluded" is a little unfair. I accept it's not Sky Insurance's fault, and people may think that people who live round here are just moaning but as the "Club insurer" I keep seeing lots of people not getting the best deal unless they are slap bang in the middle of your target customer.

 

To a certain degree you are right, by saying no to certain high risk areas we are able to keep our claims loss ratios down and pass savings onto customer who do meet our criteria. These restrictions have been in place for a number of years and I stand by the fact that only a minority of Supra Club owners are effected, unfortunately (and of course) it is these members who are vocal about this fact. Supra Club Insurer does not mean we can insure every member at the best price. There is too much emphasis being put on the 'North' here though.

[stevie_b]

Northerners: stop nicking and crashing cars!

[mplavery]

The simple explantion is that we have lost a discounted scheme with the one company we used for standard UK car insurance, unfortunately now we can only use our 'screen rate' products which in this case are not competitive.

 

I would like to look into this though so I will PM you in a moment.

 

Thanks

 

Ok Ollie, thanks for looking into it for me.

 

Well i have to say that with the Supra you always do the best deal and i understand that you dont really do your everyday run arounds. Also everyone i have spoke to at SKY have always been really helpfull

 

But

 

When you see a renewal like that it does well in my case gets me angry as im sure you all know there is no way anyone would pay that for someone my age. I would much prefer a simple phone call saying that we can not do a good deal for you this year. In my eyes that would be great customer service then sending me a letter with a ridculous qoute

 

IMO anyways

[stevie_b]

When you see a renewal like that it does well in my case gets me angry as im sure you all know there is no way anyone would pay that for someone my age. I would much prefer a simple phone call saying that we can not do a good deal for you this year. In my eyes that would be great customer service then sending me a letter with a ridculous qoute

 

Only you know if Sky's quote is a good deal or not though, because only you know what your other quotes are. In that situation I'd rather Sky quote me a number, then I'll decide if it's a good deal or not. If they said, "we're not going to be very competitive here I'm afraid", I'd still press them for an actual quote.

[Safely Insured]

But

 

When you see a renewal like that it does well in my case gets me angry as im sure you all know there is no way anyone would pay that for someone my age. I would much prefer a simple phone call saying that we can not do a good deal for you this year. In my eyes that would be great customer service then sending me a letter with a ridculous qoute

 

IMO anyways

 

 

It is a double edged sword for us. We do not know the price we send you IS uncompetitive, in fact in a fair few cases we get customers ranting and raving at us for a high renewal price only to come back with their tail between their legs when they find that in fact it is a competitive price. This may not be the case for you however but it does happen time and time again.

 

I've received your PM reply, many thanks and I am hopefuly/confident we can do better.

 

The other factor is, the renewal is automatically generated and passed to us by the policy underwriter, we wait for customers to contact us so we can get the details of any change of circumstances before re-quoting.

[Havard]

Northerners: stop nicking and crashing cars!

 

But it's so much fun Steve...!!

 

Ollie, thanks for your replies and I do appreciate you trying to educate us about the ins and outs of insurance pricing.

 

I have justy found it very frustrating to find insurance companies in my area. We live in a quiet little cul de sac where only one car has been stolen in the last ten years (unfortunately it was my wifes).

 

I just can't seem to understand the difference in premiums between companies. I am now paying next to nothing for my TT but the deal didn't half take some finding and around 40 calls.

 

Good luck.

 

H.

[Safely Insured]

Ollie, thanks for your replies and I do appreciate you trying to educate us about the ins and outs of insurance pricing.

 

 

Not a problem and to be fair, some factors in insurance still baffle me.. different insurers will look for different risk profiles, no one insurer is going to the best for everyone.

 

*tongue in cheek* when I am shopping for my own insurance (and I do every year) if I find a company who is uncompetitive I just move on to the next one, I dont waste my time moaning about it on the internet. The same logic could be applied to many UK industries..

[Attero]

Not a problem and to be fair, some factors in insurance still baffle me.. different insurers will look for different risk profiles, no one insurer is going to the best for everyone.

 

*tongue in cheek* when I am shopping for my own insurance (and I do every year) if I find a company who is uncompetitive I just move on to the next one, I dont waste my time moaning about it on the internet. The same logic could be applied to many UK industries..

 

I think the only reason this was bought up and moaned about was because you are our club insurer. We look up to you to bring us deals that nobody else can as long as the conditions are met.

 

Personally, I've had bad experiences with insurers and it's only now with my current insurer that I'm actually happy... but who knows, that could go horribly wrong in the case of an accident. I've given good and bad feedback to insurers. At the end of each year, I like to let my insurers know what I think of them.

 

I'm going to try you out for a quote next year. I will bare in mind what you've told me.

[Safely Insured]

I think the only reason this was bought up and moaned about was because you are our club insurer. We look up to you to bring us deals that nobody else can as long as the conditions are met.

 

Personally, I've had bad experiences with insurers and it's only now with my current insurer that I'm actually happy... but who knows, that could go horribly wrong in the case of an accident. I've given good and bad feedback to insurers. At the end of each year, I like to let my insurers know what I think of them.

 

I'm going to try you out for a quote next year. I will bare in mind what you've told me.

 

I think it was bought up as we are an insurer.. not specifically because we are the club insurer. Also as you may have noticed, almost all the feedback has been from people who have uncompetitive quotes on standard UK cars.

[Guigsy]

The thing that infuriates me most is I moved from central Northampton (nn1) terrace on a busy rat run road with no parking and parking with shitty cars to a nice estate on the outskirts of town full of nice cars with garages and driveways. Expecting a bit of a bonus with lowered renewals however when I called to let them know I still get told it's not a good postcode which is so irritating.

 

If I lived in Liverpool in a nice area and the car was parked in a locked alarmed Garrage with a tracker etc. Would you not insure it simply because it in an L postcode. The whole postcode system is fundamentally flawed.

[Safely Insured]

If I lived in Liverpool in a nice area and the car was parked in a locked alarmed Garrage with a tracker etc. Would you not insure it simply because it in an L postcode.

 

Via our car club scheme all 'L' Liverpool postcodes are excluded. Without meaning to be rude (and I admit I do struggle sometimes), you could live in the nicest part of any city , a gated community with 24 hours armed guards.. it doesn't stop people coming to the area breaking in the houses and stealing the cars, think prefessional footballers and how many times they have been in the press for having their gates ram raided, houses robbbed, cars stolen.

 

 

The whole postcode system is fundamentally flawed.

 

I agree with that comment 100% but alas we are governed by the postcode criteria we are given. If you look at the bare bones of it, it can sometimes be madness.. You could move one street away and find your insurance prices doubles as you have changed postcode. Everything as far as insurance prices go is dictated by claims statistics, if there have been more claims or a higher value of claims from one particular postcode, the price will be higher for that postcode.

These postcode restrictions are incredibly frustrating for us as well.

[Thorin]

we do not insure in the 'L' Liverpool postcode area

 

Or "M" for Manchester... Or "W" for Wigan...

 

...or Bradford ("BD") I understand.

 

I'm still insured with Sky though, and they've been competitive for the past several years for me.

[Safely Insured]

...or Bradford ("BD") I understand.

 

 

The UK's absolute worst area for car insurance, let alone import/modified/performance car insurance.

[Paul]

So is a UK Supra with non standard alloys and Blitz exhaust classed as standard?

Also I'm in Herts (HP2, not a massive crime area) , full NCB, clean licence and 44yrs old with a fairly normal job. What's the reason for higher quotes in the past then ?

[Safely Insured]

So is a UK Supra with non standard alloys and Blitz exhaust classed as standard?

Also I'm in Herts (HP2, not a massive crime area) , full NCB, clean licence and 44yrs old with a fairly normal job. What's the reason for higher quotes in the past then ?

 

Your car is modified although not to a high level so it does open up a wider vaiety of companies that will quote you.

 

If you PM me your surname, postcode and the rate you are currently paying, with excess, I will look at your details and see if there is any reason I can find why were may have provided an uncompetitive quotation for you in the past. As I have said before though, we cannot beat every price out there, if a rate is deemed as too competitve for us we usually would not quote our very best rate, we would go with a standard guide rate.

 

Thanks

[Attero]

What are the best places in the country for insurance?

[Safely Insured]

What are the best places in the country for insurance?

 

Cornwall, parts of Scotland, middle England..

[Attero]

I wander how the Isle of Wight ranks. I would like to eventually move to Surrey. I've had a place in Farnborough before and that put an extra £50 on my insurance which didn't bother me much since my insurance is silly anyway.

 

I was told by A-Plan it was a good place because if somebody nicked a car, how far could they get? If they can't afford a car, they probably won't spend the money on getting off the island. There wasn't much point.

[mplavery]

Well

 

Sky did get back to me and after running through some details with them, Kathy and Ollie sorted me out a fantastic deal on the 307.

 

They also explained to me why we get these silly quotes sometimes too and also Ollie has explained some issues mentioned on this thread.

 

So if your unhappy with the quote, give them a call before you jump boat. Although its a shame we have to go through these steps to get the best deal...thats just the way it is.

 

 

 

Thanks again Ollie and Kathy for sorting me out a great deal again... i wont lose my temper so fast next time lol

 

thanks again

[Safely Insured]

Thanks, I'll pass this onto Kathy (Cassie)

 

I am glad there was a positive resolution in the end.

 

If any other Mkiv Supra club member customers require any assistance please PM me.

 

Thanks

 

Ollie