Guest Nicholas Posted October 25, 2007 Share Posted October 25, 2007 Hi, I'm glad you are happy with the quote, I also hope you are happy with the service you received when you were speaking to us. Would you be able to post up your details... type of Supra, your age, no claims etc so we can show club members we ARE able to insure under thirty year olds on Supras? Many thanks in advance Ollie Sky Insurance The supra is a 1996 face lift 6 speed manual, Single Turbo T67 car with mods listed at the botom of this reply. I'm 25, with 5+ years no claims and no points car is kept in a secure ungerground CCTV'd lock up spec: - Powerhouse Racing Stage 2+ (T67) HKS 50mm stainless steel header HKS GT 60mm external wastegate 65mm 321 stainless steel wastegate dump tube 3" mandrel bent downpipe with V-band connectors 3" mandrel bent midpipe with V-band connectors 2.5" mandrel bent aluminum drop-down style intercooler piping high gloss 3-ply silicone connectors in blue 4" air intake tube 4" K&N high flow air filter GT67 turbocharger with polished PHR compressor housing 10AN stainless steel braided oil drain line 4AN Teflon stainless steel oil feed line 4AN Teflon stainless steel wastegate control lines Stainless steel turbocharger gaskets Apexi Power FC - 1.5 bar map SARD 800cc Injectors Aeromotive Fuel Pressure Regulator HKS SSQV BOV Whifbitz Oil Cooler HKS 264 inlet 272 outlet Cams Whifbitz FMIC Greddy (Blue) Pulleys Greddy Profec B II Boost Controller Amuse Titanium Exhaust RPS Max Street Clutch Standard 6 Speed Manual Gearbox Ohlins fully adjustable Suspension Carbing front strut brace with MCS Carbon Cusco Rear Strut Brace Brembo Gran Turismo Front brake kit 18' Enkei RP-F1 Miata Wheels Defi Din Gauges (Oil temp, pressure, Water temp) Defi 60mm Boost Gauge Defi 60mm EGT Gauge AEM AFR Gauge Momo Steering Wheel Bride Seats Alpine CD/MP3/Ipod Player Boston Speakers Alpine sub& TRD Rear Wing - Carbon Fibre Blade OEM front bumper with Greddy Front Lip and split section removed Whifbitz Bonnet OEM Side Skirts OEM Spats Full Respray - Lambo Grigo Quote Link to comment Share on other sites More sharing options...
Guigsy Posted October 25, 2007 Share Posted October 25, 2007 adrian flux is the only company i have found that will insure me on a TT. Sky and A-Plan both said the same. Even on a UK spec Ollie can you clear up how someone who is 25 can get insured on a single turbo supra with that kind of spec that has to be pushing 450bhp+ Yet im 24 and cant get insured on a UK spec twin turbo supra thats doing 392bhp? I know his car is parked somewhere nice and he has more no clams that i do.. but ive been told several times on both UK and Jspec cars that i cannot and i wll not be insured untill im 30. looks like common sense has gone out of the window here... Quote Link to comment Share on other sites More sharing options...
jazz1 Posted October 25, 2007 Share Posted October 25, 2007 adrian flux is the only company i have found that will insure me on a TT. Sky and A-Plan both said the same. Even on a UK spec Ollie can you clear up how someone who is 25 can get insured on a single turbo supra with that kind of spec that has to be pushing 450bhp+ Yet im 24 and cant get insured on a UK spec twin turbo supra thats doing 392bhp? I know his car is parked somewhere nice and he has more no clams that i do.. but ive been told several times on both UK and Jspec cars that i cannot and i wll not be insured untill im 30. looks like common sense has gone out of the window here... lol mate adrian flux and a-plan are the only two who quoted me decent 1920 from adrian flux 500 excess but a-plan currently checking and so far they have 1960 700 excess, il try sky again before i do take it out with adrian flux, going to try 3 more tommorow Quote Link to comment Share on other sites More sharing options...
juanchan Posted October 25, 2007 Share Posted October 25, 2007 lol mate adrian flux and a-plan are the only two who quoted me decent 1920 from adrian flux 500 excess but a-plan currently checking and so far they have 1960 700 excess, il try sky again before i do take it out with adrian flux, going to try 3 more tommorow 2k on insurance?! I'd rather drive a shed for a couple of years, get more years NCB behind me then move onto a decent car. Quote Link to comment Share on other sites More sharing options...
Dnk Posted October 25, 2007 Share Posted October 25, 2007 who moi??? nup, I just like oldies When they kick the bucket from old age its another supra up for grabs..... Lx Your going to be waiting a while if i have my way Quote Link to comment Share on other sites More sharing options...
snake Posted October 25, 2007 Share Posted October 25, 2007 try direct line for a laugh,i was quoted £1700 with a 900 excess, I replied "so you cant beat £500 with 300 excess then". As you get older the insurance doesent go down in price it just rises a little slower Quote Link to comment Share on other sites More sharing options...
Guest ChrisD Posted October 25, 2007 Share Posted October 25, 2007 I'm an oldie by comparison (40-ish) paying 442 squid for my 94 TT RZ insurance with (almost) bpu + new alloys + Veilside kit (+wife driving!) all declared, fully comp unltd mileage. May be worth trying Lifesure on 0870 366 1235 - the've got me with Highway Insurance with 350 Excess. Hope this is useful to someone :-) Quote Link to comment Share on other sites More sharing options...
Guest Jarl Ayari Posted October 25, 2007 Share Posted October 25, 2007 Highway insurance is who Sky insured me with last week. 36yo, N/A J-Spec, no mods, Fuly comp, protected no claims, 2 x sp30's, Dad also named driver middle of birmingham with a cat 2 toad. £425 Andi Quote Link to comment Share on other sites More sharing options...
supracharged Posted October 25, 2007 Share Posted October 25, 2007 just seen this thread, i only renewed 2 weeks ago with sky. i have 98 VVTI TT supra with loads of mods and am only just 23 with 3 years no claims, so was suprissed to see this! Sky replace mods with like for like, that's what sold it for me, even though they were a tad more expensive than my previous insurers. Correct me if I'm wrong, but do any of the other insurance companies offer the same? this is the main reason i use sky, they replace mods like for like & do agreed valuation [£18000] Quote Link to comment Share on other sites More sharing options...
Safely Insured Posted October 26, 2007 Share Posted October 26, 2007 Ollie can you clear up how someone who is 25 can get insured on a single turbo supra with that kind of spec that has to be pushing 450bhp+ There are a few factors here, but the main points that make a difference are: Over 25 years old Max no claims bonus And also, a factor which isn't often taken into consideration is previous ownership on the vehicle. Thanks Ollie Quote Link to comment Share on other sites More sharing options...
jazz1 Posted October 26, 2007 Share Posted October 26, 2007 2k on insurance?! I'd rather drive a shed for a couple of years, get more years NCB behind me then move onto a decent car. im paying it i aint getting it no where else Quote Link to comment Share on other sites More sharing options...
Tricky-Ricky Posted October 26, 2007 Share Posted October 26, 2007 There are a few factors here, but the main points that make a difference are: Over 25 years old Max no claims bonus And also, a factor which isn't often taken into consideration is previous ownership on the vehicle. Thanks Ollie Surly where the car is kept over night also makes a difference, I'm guessing it does with me,other than being an old git, full no claims and no convictions, as i could get cheaper insurance with a big single from another company, than what i pay with Sky for BPU+ admittedly the agreed value helps, but the big single without is over £100 cheaper and as it stands its more like £180. Quote Link to comment Share on other sites More sharing options...
Guigsy Posted October 26, 2007 Share Posted October 26, 2007 Understandable, I understand you have to continue to honor renewals etc. But ive only ever been told nobody under 30 would be insured on a new car. I even asked (as i turn 25 at xmas) if i would be insured after i was 25. and hand an extra years no claims. and had been driving a supra (although NA) for a year. and was still told nobody under 30 would be insured. Is that the case? only renewals will be honored? I think this needs some kind of propper announcement as im confused as hell. I have found a company that will insure me. and for a decent price and i will be calling them at my lunch time to sort it out. However im terrified at the moment that when i call them they will turn arround and say no (although i only got the quote last week) . In which case i have paid a deposit on car i cant insure for 5 years! not aimed at you or sky in particular but insurace really fucking pisses me off. i only started driving when i was 20 or so for various reasons, so i missed out on acouple of years no claims there. i have had 2 accidents. both have been 1 or 2 months away from an extra years no claims, Nether of the accidents i regard as being my fault. One was in crawling traffic on the motorway and the guy infront of me slammed on his brakes and i had no chance to stop. my car was undamaged the colision speed was that slow. his car had a slightly dented boot and insisted on going through insurance on his knackered up mazda. The second one was someone who stopped in the middle of the road to turn on a blind corner in the dark with no lights on, It was december. the road was damp. Not a chance in hell of stopping. Tried to avoid but ended up in his right rear quater. In both occasions because i was following it was automaticly my fault. i HATE the way insurance companies are forced to brand everyone the same. asumeing just because i am under 25 (as if that magicly makes a difference) i am going to crash my car. i LOVE my car. And have driven is like a fucking nun all year (almost) so i dont have to pay the almost extortionate ammounts i am lumbered with. I have been in cars with friends who had had things like typeR's, and even your regular clio's of escorts who are just driving normaly. not showing off to there mates. who have been the most shocking drivers i have seen. Ive even refused to be taken somewhere by a friend (not jokingly or taking the piss) because i did not feel safe in the car with his driving. yet they have always been paying less than i have even when i have been driving a 1.2 clio and they were in a similar car with similar experiance and age. My friend passed her test a few months ago. same age as me. she has taken her test 6 times. failed on all occasions with several major fails. And managed to scrape a pass. she is insured on a 1.2 corsa. i dont remember the figures off the top of my head but when she called to sort out insurance, just out of interest i called to see what my quote would be as i was with her at the time. same company, same car details. but gave my details as the driver. Her insurance quote was cheeper than mine! and not by a few quid. it was a couple of hundred. I passed my test with 4 minors. mirors, wrong geer on a roundabout, going too slow! (30 in a 40) and another one i dont recall. The way insurance companies brand me as a bad driver is a fucking joke. Insurance in this country is a fucking joke. rant over Quote Link to comment Share on other sites More sharing options...
Snooze Posted October 26, 2007 Share Posted October 26, 2007 Nether of the accidents i regard as being my fault. One was in crawling traffic on the motorway and the guy infront of me slammed on his brakes and i had no chance to stop. The second one was someone who stopped in the middle of the road to turn on a blind corner in the dark with no lights on, It was december. the road was damp. Not a chance in hell of stopping. Errrr - these both sound like they were entirely your fault to me! I'm afraid, at the end of the day, the insurance companies don't really know how safe a driver you are - they just have to base their risk analysis on the parameters that they DO know. Sometimes those parameters are not a real reflection of your risk level, I'm afraid. If this is the case for you, then you have my sympathy, mate. Quote Link to comment Share on other sites More sharing options...
Guigsy Posted October 26, 2007 Share Posted October 26, 2007 i dont see someone stopped in the middle of a blind corner in the dark with no lights on as my fault. but meh. cant be arsed to argue tbh. im having a fucking shit day Quote Link to comment Share on other sites More sharing options...
jazz1 Posted October 26, 2007 Share Posted October 26, 2007 all i can say is they are greedy basta*ds i just had the highest quote of 8k Quote Link to comment Share on other sites More sharing options...
Snooze Posted October 26, 2007 Share Posted October 26, 2007 Ideally, I guess the insurance companies would be able to review and analyse someone's entire personal driving history. I'm sure most underwriters would be actually quite happy if there were some other parameters that they could use to identify lower-risk propositions. That way they could lower premiums. all i can say is they are greedy basta*ds i just had the highest quote of 8k Believe it or not, lowering premiums is what insurance companies really WANT to be able to do - that's how they get more business, after all! That 8k isn't a reflection of their desired profit - you'll find their margin above your "risk mitigation" cost is probably quite small. You just have to shop around to find the insurance company who is willing to take on the most risk (or at least has a portfolio which allows the risk to be mitigated by premiums in another demographic!!!). I wonder how many useful parameters for identify reduced risk are currently overlooked. For example, surely your "number of incidents per mile driven" is much more important than your simple "number of incidents" - let's compare, for example: - a rep who does 25,000 miles a year, and has had 3 crashes in the last 5 years - a driver who passed their test 5 years ago and has only driven 1,000 miles since and crashed once. Both are quoting an estimated 10,000 miles for the coming year. The second is clearly the riskier proposition. Bet she they get a much cheaper premium, though! Quote Link to comment Share on other sites More sharing options...
DaveK Posted October 26, 2007 Share Posted October 26, 2007 all i can say is they are greedy basta*ds i just had the highest quote of 8k Figures like that are generally because they think you are uninsurable so they just quote a figure that they know you won't accept. Ideally, I guess the insurance companies would be able to review and analyse someone's entire personal driving history. I'm sure most underwriters would be actually quite happy if there were some other parameters that they could use to identify lower-risk propositions. That way they could lower premiums (which, believe it or not, is what insurance companies really WANT to be able to do - that's how they get more business, after all!). I wonder how many useful parameters for identify reduced risk are currently overlooked. For example, surely your "number of incidents per mile driven" is much more important than your simple "number of incidents" - let's compare, for example: - a rep who does 25,000 miles a year, and has had 3 crashes in the last 5 years - a driver who passed their test 5 years ago and has only driven 1,000 miles since and crashed once. The second is clearly the riskier proposition. Bet they get a much cheaper premium, though! I understand your logic - but I don't think that's how insurance companies work. What they want is : you pay your premium, they don't have to pay out. In your examples - although the rep is safer per mile, he has made 3 claims in 5 years - hence they have had to pay out 3 times in 5 years. He is therefore a higher risk than the other driver who has only claimed once. Now - if the rep suddenly changed jobs and was only doing 5k miles a year, then he might become a lower risk. Except that previously his motoring was all motorway miles, now it could be all town driving - which probably makes an accident more likely. It all becomes incredibly complicated - and although I'd like cheaper insurance myself, I think there is a practical limit to how much the companies can really consider. Quote Link to comment Share on other sites More sharing options...
Snooze Posted October 26, 2007 Share Posted October 26, 2007 Now - if the rep suddenly changed jobs and was only doing 5k miles a year, then he might become a lower risk. Except that previously his motoring was all motorway miles, now it could be all town driving - which probably makes an accident more likely. It all becomes incredibly complicated - and although I'd like cheaper insurance myself, I think there is a practical limit to how much the companies can really consider. lol - whilst you were writing that, I edited to include a quoted number of miles! But yeah - that's my whole point - in my example, "number of miles driven" is a known parameter, and it's clearly something that the insurance companies have no way of confirming, and they're certainly (and understandably!) not going to take our word for it! Quote Link to comment Share on other sites More sharing options...
jazz1 Posted October 26, 2007 Share Posted October 26, 2007 Figures like that are generally because they think you are uninsurable so they just quote a figure that they know you won't accept. well seeing as i havent had an accident since 4 half years, its all down to those stupid 3 points i got and i got them them for some stupid reason Quote Link to comment Share on other sites More sharing options...
grahamc Posted October 26, 2007 Share Posted October 26, 2007 Should we start a poll/vote on whether to keep SKY, especially considering the new rules/underwriters ? Quote Link to comment Share on other sites More sharing options...
DaveK Posted October 26, 2007 Share Posted October 26, 2007 well seeing as i havent had an accident since 4 half years, its all down to those stupid 3 points i got and i got them them for some stupid reason I think it's probably more to do with age / experience vs power of car. Quote Link to comment Share on other sites More sharing options...
jazz1 Posted October 26, 2007 Share Posted October 26, 2007 I think it's probably more to do with age / experience vs power of car. nah because when i call most companies they say its down to the 3 points:( Quote Link to comment Share on other sites More sharing options...
jazz1 Posted October 26, 2007 Share Posted October 26, 2007 Should we start a poll/vote on whether to keep SKY, especially considering the new rules/underwriters ? although i like their service its no use if they cant even quote me now and seeing as other companies are not club insurers at least they can quote me Quote Link to comment Share on other sites More sharing options...
grahamc Posted October 26, 2007 Share Posted October 26, 2007 they would not quote me either Quote Link to comment Share on other sites More sharing options...
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