That probably based on white van man and his driving antics - I assume they did not believe that you were using the zed as a delivery vehicle?Ming wrote: ↑Mon Jun 07, 2021 7:18 pm After seeing that LV could be a cheaper option, I spent 10 mins on their website trying to get a quote for the Zed..... only to be turned down as my job doesn't fit in with their acceptable profiles!!
I'm a part time self employed courier and drive like a vicar in the van, but I guess they think we're all Hamilton wannabees and drive like tw@ts
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Car insurance renewal
- Ole gits rule
- Lifer
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Car insurance renewal
M4 Vert in Yas Marina Blue
2011 23i M Sport Highline in Alpine White with Smart Top installed - Gone but not forgotten.
2011 23i M Sport Highline in Alpine White with Smart Top installed - Gone but not forgotten.
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- Member
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Car insurance renewal
Nope. I made that clear. Z4's don't make very good delivery vehicles. Not when you're delivering flat pack furniture, trees, compost etc etc....
I do like to go topless......
....... in my remapped 20i in Valencia Orange with Black Roof
....... in my remapped 20i in Valencia Orange with Black Roof
- Ole gits rule
- Lifer
- Posts: 4559
- Joined: Sat Oct 24, 2020 5:49 pm
- Location: Pont-y-Pwll
Car insurance renewal
Well I am sure my misses would have me try to get some stuff from Ikea in mine - good job my lad has a T5
M4 Vert in Yas Marina Blue
2011 23i M Sport Highline in Alpine White with Smart Top installed - Gone but not forgotten.
2011 23i M Sport Highline in Alpine White with Smart Top installed - Gone but not forgotten.
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- Lifer
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Car insurance renewal
Problem I think is that you are not an "average middle-aged driver" for their criteria. LV are cheap within a limited criteria. The word "COURIER" probably throws up a red flag to them.Ming wrote: ↑Mon Jun 07, 2021 7:18 pm After seeing that LV could be a cheaper option, I spent 10 mins on their website trying to get a quote for the Zed..... only to be turned down as my job doesn't fit in with their acceptable profiles!!
I'm a part time self employed courier and drive like a vicar in the van, but I guess they think we're all Hamilton wannabees and drive like tw@ts
Driving like a vicar in a van will not translate to their (or any underwriters') statistical algorithms.
Vehicle insurance is all about statistical risk. There is a national database that ALL insurance underwriters have access to and use to ascertain your "risk". Different insurers look at these risks, based on your risk history, using computer algorithms these days. Certain insurance companies target different "risk" markets at any one time because they assess it will make them more money. The trick is finding the insurer (not the broker) that is targeting your "risk" at the time to get the lowest premium. They don't want to make it easy (a bit like trying to find the cheapest energy supplier)
All good things come to those who wait. I'm really impatient which explains a lot.
F31 320i. Good car.
E89 20i Now fully dried
Z3 'free litre'. Project and a half. Complicated!
Mazda3 sold
Tatty old R56 Mini Cooper. Money pit!
F31 320i. Good car.
E89 20i Now fully dried
Z3 'free litre'. Project and a half. Complicated!
Mazda3 sold
Tatty old R56 Mini Cooper. Money pit!