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Do you want the good news or the bad news?

Number5 said:
So exactly what type of driver are ypu looking for ?
You specialise in Z4's yet a 51 year old Advanced driver, getting the car out of an alarmed garage to do 3000 miles a year obviously isnt it, so what is?
Click to expand...

You probably ARE the right profile of driver but without knowing who you are and looking at all your details I can't really comment on why we quoted what we did for this car - maybe it was more to do with your postcode or your occupation or... Maybe there was nothing amiss and we simply considered your alternative to be too cheap to compete with.

Your quote will have been based on our view (well, the insurers') of the risk presented but if you PM me your real name and postcode I can pull the quote and have a look for you. Then we can talk specifics. Happy to do that.

N
 
Hi greg81, we're phone only because we get a better feel for you, which should then result in a better quote. Can we call you? Please PM your number to arrange.

best,
Nick
 
Well I can't say I didn't try, but sadly CK could not get anywhere near to my existing Admiral quote, which is just a straight renewal of 2 performance cars

Surprising really, but at least it reassures me the current supplier is competitive
 
cj10jeeper said:
Well I can't say I didn't try, but sadly CK could not get anywhere near to my existing Admiral quote, which is just a straight renewal of 2 performance cars

Surprising really, but at least it reassures me the current supplier is competitive
Click to expand...

I found Admiral to be by far and away the cheapest for my situation. They were also happy to accept a handful of mods in the quote without it affecting the price!
 
Unrelated to CK but I had a surreal moment with Admiral. My 25 yr old is insured to drive the F type so I called to see what premium reduction if I dropped her. £250 was a good answer
Was then informed the XF premium would drop by £25 too, but she's not insured to drive it.
In a detailed reply they explained that if she were not driving the F type then we myself and Mrs would be driving it more. If that's the case then we drive the XF less, so the premium drops. Didn't matter the policy covers to 10k miles we'd drive less so the risk is less. Curiosity got. me so I asked if I set the XF at more or less miles would the premium charge. No - doesn't affect it if I set it lower and not if I upped to say 20k
Bizarre or what?
 
That's weird all over. And changing mileage has always been the biggest factor in my insurance costs. Don't understand that :?
 
Marlon said:
I would take a guess that the reason CKI insurance manages to quote half the national average for their new policy premiums is that they are selective in the policies they provide - basically refusing to insure if you are in the wrong postcode. I've been refused twice based solely on my postcode and I now have a very competitive insurance with LV.com
Click to expand...

So today got the insurance renewal notice for the Zed which is currently insured with LV. Of course the premium has increased, this time by 14%??? At least this year the insurance regulator has compelled the insurer to state that you might get a better deal by shopping around (which I always do anyway). Not surprisingly I got a better quote from LV using a comparison website (£73 less for exactly the same cover). I was about to call LV and ask to renew at the onscreen price when I remembered CKI. Gave them a call and got an even cheaper deal (£20 less and slightly better terms). Thanks CKI :thumbsup:

Still expect to have to join the insurance quote merry-go-round at renewal time next year to get the best price as this seems to be the way of things nowadays - no reward for loyalty!
 
EssexZed said:
Marlon said:
I would take a guess that the reason CKI insurance manages to quote half the national average for their new policy premiums is that they are selective in the policies they provide - basically refusing to insure if you are in the wrong postcode. I've been refused twice based solely on my postcode and I now have a very competitive insurance with LV.com
Click to expand...

So today got the insurance renewal notice for the Zed which is currently insured with LV. Of course the premium has increased, this time by 14%??? At least this year the insurance regulator has compelled the insurer to state that you might get a better deal by shopping around (which I always do anyway). Not surprisingly I got a better quote from LV using a comparison website (£73 less for exactly the same cover). I was about to call LV and ask to renew at the onscreen price when I remembered CKI. Gave them a call and got an even cheaper deal (£20 less and slightly better terms). Thanks CKI :thumbsup:

Still expect to have to join the insurance quote merry-go-round at renewal time next year to get the best price as this seems to be the way of things nowadays - no reward for loyalty!
Click to expand...

Result :thumbsup:
My LV is up for renewal in Oct
 
When I was under 21 driving a Cooper S in the late 60's it was "it's your age sir"
Then when I approached my 30's in an RS 2000 it was "it's your age sir"
Along came my 40's and Saab Turbos "it's your age sir"

They are going to kick me in the vegetables and plunder my bank account next renewal when I try to renew the insurance on the 35is when I'll be 70 :rofl:
As you say no loyalty bonus or acceptance that I've been driving a performance car most of the time - my wife is a similar age and her car is also 300+ Bhp - I'll cut some costs and get her a bus pass :thumbsup:
 
I agree with you entirely ronk - it's all a f*ckfest these days!

I got a good price from CKI on my Z4C in 2016, but when my E46 325ti came up for renewal in April 2017 they quoted me more than for my Z4C? How did they work that out? Allegedly because the 325ti "only" had 9 years No-Claims whereas the Z4C had 19 years!

Never mind, Saga came in way cheaper (I'm old) so that is where I went (although they are probably as rubbish as all the other providers)!

Back in the late 70s I worked for Cornhill Insurance (now part of Allianz) and the maximum entitlement for NCD was 7 years! Windscreen cover was free on comprehensive policies with no excess whether replaced or repaired. NCD protection was FREE if you had 6 years NCD and if you had one fault claim the premium didn't go up, you just lost your protection for a year. Whereas now you get to keep your "protection" that they charge you for (WHY), but still get stung with a loading instead!

General Insurance seems to be populated entirely by quote-monkeys with a script and no F*cking idea of what they are doing! (And I'd include our "Forum provider" in that description). :headbang:
 
Watched a report on insurance crime (no not the providers!) by our regional BBC TV for their late news. Apparently one in every 38 cars in our region is not insured - I can understand why. I know modern cars are expensive to repair (don't get me going on approved centres who up the labour costs and stop people going to private body shops - in some respect we all pay the price of our laziness and wanting a quick fix) but if insurance was less more people would buy it. Or am I just being stupid.
 
I went with Saga as they were much cheaper than Admiral multi car. While we had young drivers in the house, Admiral were a good deal cheaper, but then they started to get greedy so I swapped to Saga, saving many hundreds of £££'s
I think most insurance company offices must resemble a bingo hall and they just pluck what ever number comes out next. :|
 
ChrisKnottIns said:
Number5 said:
So exactly what type of driver are ypu looking for ?
You specialise in Z4's yet a 51 year old Advanced driver, getting the car out of an alarmed garage to do 3000 miles a year obviously isnt it, so what is?
Click to expand...

You probably ARE the right profile of driver but without knowing who you are and looking at all your details I can't really comment on why we quoted what we did for this car - maybe it was more to do with your postcode or your occupation or... Maybe there was nothing amiss and we simply considered your alternative to be too cheap to compete with.

Your quote will have been based on our view (well, the insurers') of the risk presented but if you PM me your real name and postcode I can pull the quote and have a look for you. Then we can talk specifics. Happy to do that.

N
Click to expand...
Thanks for the reply anyway Nick, I've highlighted the crux of your two comments...
1) The office obviously had all my details (I live in a respectable postcode and am a Security Consultant for Critical National Infrastructure)
2) So why aren't you as 'cheap' as my Admiral, when you claim to specialise in the Z4 market ?

I put it to you that you dont actually specialise in the Z4 market, but you are just on this forum touting for any business that you may be able to pick up. - Is that correct ?
 
Number5 said:
ChrisKnottIns said:
Number5 said:
So exactly what type of driver are ypu looking for ?
You specialise in Z4's yet a 51 year old Advanced driver, getting the car out of an alarmed garage to do 3000 miles a year obviously isnt it, so what is?
Click to expand...

You probably ARE the right profile of driver but without knowing who you are and looking at all your details I can't really comment on why we quoted what we did for this car - maybe it was more to do with your postcode or your occupation or... Maybe there was nothing amiss and we simply considered your alternative to be too cheap to compete with.

Your quote will have been based on our view (well, the insurers') of the risk presented but if you PM me your real name and postcode I can pull the quote and have a look for you. Then we can talk specifics. Happy to do that.

N
Click to expand...
Thanks for the reply anyway Nick, I've highlighted the crux of your two comments...
1) The office obviously had all my details (I live in a respectable postcode and am a Security Consultant for Critical National Infrastructure)
2) So why aren't you as 'cheap' as my Admiral, when you claim to specialise in the Z4 market ?

I put it to you that you dont actually specialise in the Z4 market, but you are just on this forum touting for any business that you may be able to pick up. - Is that correct ?
Click to expand...

And other forums too Alan, try Saga when your over 50 :P
 
Hmmm Yes.
....Dont worry DuckLakeView will soon be offering Motor Insurance and cheaper than CKI !! :wink:
 
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