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Quote (Annoyed)!

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cmp999

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I have just been on the phone (Chris Knott) for a quote for the Z4, when I put the phone down I felt slightly annoyed. We already have a Mazda CX5 insured with you, Last year I had my Nissan 370z insured with you, so you have all our personal details.

We went over the details then I was asked, what and with who is the best quote that you have had. I said just over £302 and told her who with, the call handler came back a short while after and offered it for £300.

I'm annoyed because then she said that I would have to provide proof of that quote, where has all the trust gone! :thumbsdown:

As you already have my details, you could actually do a search yourselves if you are that bothered.

At the end of the day people shop around for the best deals, gas, electric, broadband, car and house insurance. If I go shopping at Sainsbury, M&S, Aldi or Lidl. I'm not asked to provide proof of my shopping bill and who is the cheapest, they provide a product and I make a choice.

At no time was I asked for my 2nd car discount code (683) or the forum code (Z4 866) which are supposed to offer us a better deal.

Sorry to anyone on the forum who thinks that this is a rant, it is, but I think someone from Chris Knott should explain why we are not trusted!
 
I'm still firmly of the belief that someone on the forum should explain why we partner with Chris Knott at all... i think a good proportion fail to ever get a quote, never mind a competitive one.
 
Pretty standard procedure with most companies, Just screenshot the quote and email it to them, as I did. I know where you're coming from but you have to look at it from their point of view, without proof everyone would say they have much lower quotes to get a better deal. I got a great quote from them, and found them a pleasure to deal with, I understand thats not everyone's experience though.
 
cmp999 said:
I have just been on the phone (Chris Knott) for a quote for the Z4, when I put the phone down I felt slightly annoyed. We already have a Mazda CX5 insured with you, Last year I had my Nissan 370z insured with you, so you have all our personal details.

We went over the details then I was asked, what and with who is the best quote that you have had. I said just over £302 and told her who with, the call handler came back a short while after and offered it for £300.

I'm annoyed because then she said that I would have to provide proof of that quote, where has all the trust gone! :thumbsdown:

As you already have my details, you could actually do a search yourselves if you are that bothered.

At the end of the day people shop around for the best deals, gas, electric, broadband, car and house insurance. If I go shopping at Sainsbury, M&S, Aldi or Lidl. I'm not asked to provide proof of my shopping bill and who is the cheapest, they provide a product and I make a choice.

At no time was I asked for my 2nd car discount code (683) or the forum code (Z4 866) which are supposed to offer us a better deal.

Sorry to anyone on the forum who thinks that this is a rant, it is, but I think someone from Chris Knott should explain why we are not trusted!
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Not defending Chris Knott per se, but if you say you have a figure of £302 and they price match to better it then it's reasonable that you provide evidence. Same process works on most high street shops and has done for years. I don't see it as a trust issue, but good business sense. Do your work, find your best quote and they better it
 
It's pretty much as bmwaddict and cj10jeeper said.

To explain better - we have access to a number of insurers but there may be other providers (especially those who quote direct and not through brokers for example) who will offer a better initial quote. Therefore, our arrangement with the insurers on our panel (because they want to win car club member business) is that they'll respond to the alternative rate if the risk and the rate stack up and if we can obtain proof that we needed to go lower. We're audited on this and have to stand up to scrutiny. So you see we're not quoting a fixed, inflexible rate every time but playing the system to try and help you get the best deal.
 
ChrisKnottIns said:
It's pretty much as bmwaddict and cj10jeeper said.

To explain better - we have access to a number of insurers but there may be other providers (especially those who quote direct and not through brokers for example) who will offer a better initial quote. Therefore, our arrangement with the insurers on our panel (because they want to win car club member business) is that they'll respond to the alternative rate if the risk and the rate stack up and if we can obtain proof that we needed to go lower. We're audited on this and have to stand up to scrutiny. So you see we're not quoting a fixed, inflexible rate every time but playing the system to try and help you get the best deal.
Click to expand...

It does appear slightly self defeating though :? having been a long standing CK customer for over 10years ( sometimes running 3 policy's per year with CK) i also found the renewal process more than a little frustrating if not insulting after a ridiculous renewal was bettered by hundreds to be told you could then drop to a little under my best quote
At the point of beating my best price by £4 if i forwarded the proof i simply couldn't be bothered so took the already offered quote & now insure 2 of my 3 vehicles elsewhere . The 3rd is up for renewal next month so i'm braced for the same again :cry:
 
cmp999, I've just investigated further by talking to the person who did your quote.

As you're already a client she knew to automatically apply the second car discount without you needing to quote the 683 code (we give it whether you ask us for it or not when we know you're entitled to it) and you told us you'd received a marketing email - she knew we'd sent a 'second car email' in recent days. The same with the forum code - it's already on your record and is automatically applied to every subsequent policy. Admittedly, you came to us through the 350Z Forum initially so we have their code in there. I'll get that switched to Z4 Forum on your instruction - we'd always assume you came through the same club unless you specifically told us otherwise.

btw - the screen rate was £621 and we've quote £300 on the nose, with no admin fee and free legal (normally charged at £25).

A screenshot of the alternative quote, showing the vehicle details will satisfy insurers.
 
Chris Knott, I don't have a problem doing a screen shot, I'm annoyed that you have to ask for it. As stated, if I change my energy provider they do not ask for proof of my previous bills.

bmwaddict stated that it is in order to give you proof! why should you need proof. You are there to provide all of us with the best quotes/deals possible, that is why people have the opportunity of shopping around.

You should put all my details in the computer, then offer the best deal to me that you can, without me having to provide proof of other companies quotes.
 
I've tried to explain that the computer rate is one thing but that the offer we have is that we can respond to other quotes we don't have access to ourselves. We've saved you a meagre £2 on this occasion because of the risk - we can't justify going into the £200's - but if we could have gone below £300 we'd have gone even lower to make it more clearly worth your while. If we take on cases at a lower rate without proof we lose the scheme with the insurers we use. You could have told us you'd got £250 - it needs to be substantiated because not everyone is as honest as you.
 
The computer's rate is often not realistic compared to what the rest of the market is doing. The computer rate was £621 in this instance but by being flexible we've been able to save you the most in the end. You might not like the method but just focus on the result - more money in your pocket :)
 
The way it looks to me is the going rate was £300 and CK was going to pocket over £320 extra.
Surely if the policy CAN cost only £300 that is what you should be quoted in the first instance instead of being robbed and only lowering the price to get the business.
You only have to assume that if the previous quote had been £405 CK would have managed to do it for £400.
 
Nictrix said:
The way it looks to me is the going rate was £300 and CK was going to pocket over £320 extra.
Surely if the policy CAN cost only £300 that is what you should be quoted in the first instance instead of being robbed and only lowering the price to get the business.You only have to assume that if the previous quote had been £405 CK would have managed to do it for £400.
Click to expand...


This thread and all insurance policy's/ company's summed up in one statement ,give this man a pint :happyclap: :happyclap:

Lol yer right "sorry sir you said your best was £405 but because we take pride in customer service and the best possible prices ( NOT) in fact we can do it for a mere £300 ".

I always ring my insurance company's weather its car, house with a fake quote , sensibly about 10% less than than the quote they always match it , * without asking for proof * just a small hassle once a year all company's to save
 
Taken from your website

The Chris Knott benefit

• Instant, crystal-clear quotes
• Personal contact
• Impartial advice
• Your needs put first
• No hidden surprises
• All the ongoing support you need
• Highly-trained insurance experts

Our staff are not incentivised to sell. Instead we encourage them to offer top-quality personal service, sound advice and all the ongoing support you need throughout your time with us.

Your needs are put first and we’ll work hard on your behalf to find the policy that is most suitable for your requirements. We want to treat you fairly – the same way we’d expect to be treated ourselves.

To ensure that you get a crystal-clear quote (no hidden surprises) and the right price/cover combination, you should call us at renewal so our highly-trained insurance experts can help.

Simply call 0800 917 2274 (also free from mobiles) for your free, no-obligation quote.
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Im quite familiar with delagated authority as a
Broker (third party) your expected to work on behalf of the insurance company , but it's a bit of a contradiction to your website , when in fact the policy holder doesn't come first ,as understandably With the majority of insurance company's, but Lining your pockets does instead
 
ChrisKnottIns said:
To explain better - we have access to a number of insurers but there may be other providers (especially those who quote direct and not through brokers for example) who will offer a better initial quote. Therefore, our arrangement with the insurers on our panel (because they want to win car club member business) is that they'll respond to the alternative rate if the risk and the rate stack up and if we can obtain proof that we needed to go lower.
Click to expand...

It's never our own rate that we quote. We're brokers. So, as I said, it's our job to find you the best price and that sometimes involves taking a rate reading from the companies outside our own panel and bettering their quotes. It works, you save money and we help you get there. We don't settle for 'here's our quote, take it or leave it' - if you're a club member we'll keep working to be your best option. It's what we did for cmp999.
 
M1ghty_m0use said:
Im quite familiar with delagated authority as a
Broker (third party) your expected to work on behalf of the insurance company , but it's a bit of a contradiction to your website , when in fact the policy holder doesn't come first ,as understandably With the majority of insurance company's, but Lining your pockets does instead
Click to expand...

Actually we're an independent intermediary (broker) so we do work on behalf of the customer, not the insurer. You're right that we have to ensure the insurer's book is not filled with risky, unprofitable business and that's why we won't chase ALL business. But that's no different objective to any other insurance provider who wants to continue trading. Where you do fit the quoting criteria we'll do our best to win your business. Surely you can see we're doing more for members than someone who simply says 'here's our quote, take it or leave it'.
 
Surely if you work on behalf of the customer (lol, hillarious) - you'd be offering the cheapest price you can first time to the customer, rather than double it?

Frankly this is an example where you've been caught out. Your profit margins (or the underwriter's you're representing, wait, sorry - products who you're working on behalf of customers to help pick between) are 100%+. You're in an already murky world of insurance that customers have very little faith in, and you're doing very little to improve this by arguing for the broken system, that however it works, results in customers being charged double. A bit of integrity would result in a reply "yep, sorry, we should of actually chased the REAL price and quoted you that first time without you having to A. find out what the real price is via another quoting platform, and B. come here to publicly argue that point, we are sorry, here's our actual base price and we accept we may now lose your business."

Classic. Hopefully ChrisKnott pays for this forum endorsement to support forum running costs.
 
ChrisKnottIns said:
M1ghty_m0use said:
Im quite familiar with delagated authority as a
Broker (third party) your expected to work on behalf of the insurance company , but it's a bit of a contradiction to your website , when in fact the policy holder doesn't come first ,as understandably With the majority of insurance company's, but Lining your pockets does instead
Click to expand...

Actually we're an independent intermediary (broker) so we do work on behalf of the customer, not the insurer. You're right that we have to ensure the insurer's book is not filled with risky, unprofitable business and that's why we won't chase ALL business. But that's no different objective to any other insurance provider who wants to continue trading. Where you do fit the quoting criteria we'll do our best to win your business. Surely you can see we're doing more for members than someone who simply says 'here's our quote, take it or leave it'.
Click to expand...

WOW what a contradiction in those two sentences !

if you were working for the customers and not the insurer because you say your independent, then you would strive To get the customer, risky or not, a policy.

so basically you pick the customers you want to work with , satisfy the insurer ( by working for them) and not ALL customers who need your help and pass through your system
 
If it was your money that had to pay for claims would you take on the stuff that was most likely to cost you? If we lose the insurers money they'll withdraw the facility - so yes we have to keep that in mind but I'm talking about the cases we CAN write, not those we wouldn't take on.
 
jimmybell said:
Surely if you work on behalf of the customer (lol, hillarious) - you'd be offering the cheapest price you can first time to the customer, rather than double it?

Frankly this is an example where you've been caught out. Your profit margins (or the underwriter's you're representing, wait, sorry - products who you're working on behalf of customers to help pick between) are 100%+. You're in an already murky world of insurance that customers have very little faith in, and you're doing very little to improve this by arguing for the broken system, that however it works, results in customers being charged double. A bit of integrity would result in a reply "yep, sorry, we should of actually chased the REAL price and quoted you that first time without you having to A. find out what the real price is via another quoting platform, and B. come here to publicly argue that point, we are sorry, here's our actual base price and we accept we may now lose your business."

Classic. Hopefully ChrisKnott pays for this forum endorsement to support forum running costs.
Click to expand...

You are missing the point that no broker has access to the full market. Even if you as a driver go direct to an insurer they only have their own product and price to quote on (take it or leave it). You want us to enter your details on comparison sites, consult every direct insurer (who wouldn't talk to us anyway because they don't do business with brokers) and then see if any other broker in the country has a special scheme with an insurer that means they're the cheapest, then undercut them all to write it at the lowest possible rate. It's not a realistic expectation I'm afraid for the small amount a broker earns on a policy.

To answer your question, yes we do contribute to forum running costs and this forum performs in the Top 7 out of the 180 or so clubs and forums we work with. So we're clearly helping more members than you'd have others believe and helping members is my primary focus and why I devote so much of my time (in and out of office hours) to answering queries on forums; coming up with interesting offers/competitions; promoting our business; and generally differentiating us because I genuinely believe we are better than many others and it's not all about price.

I'd like to end this now as it's not going anywhere - can we agree on that at least?
 
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