sky insurance.. royally pissed off.
- Thread starter Adam_Glanza
- Start date
Adam_Glanza
Member +
well thats what i thought? the guy even said hold on ill just refer it to the underwriters etc and then came back with the quote.
i think theyve just shat there pants, maybe realised they made a mistake and are trying to back track it?
like i said surely once the quote has been completely it cant just be retracked?
i think theyve just shat there pants, maybe realised they made a mistake and are trying to back track it?
like i said surely once the quote has been completely it cant just be retracked?
malcolmgt
Member +
Mate as i work in a claims department of a insurer i would advise wait to see what the Sky insurance rep says to you.
if its not good i would go to the FOS, Financial Ombudsman service who is for when you have made a financial loss with an insurance company due to whatever. they would look into what happened, then they would give you the final opinion and outcome. say make then re pay you plus compensation or that the insurer is correct.
if you dont agree with this you can ask for it to be looked into again.
if the insurer is found at fault they cannot argue this case, they have to accept this.
also if you ring sky and advise you are going to the FOS they will panick, trust!!
each time a policy holder goes to the FOS regardless the outcome they are charged £500
hope this helps mate!
if its not good i would go to the FOS, Financial Ombudsman service who is for when you have made a financial loss with an insurance company due to whatever. they would look into what happened, then they would give you the final opinion and outcome. say make then re pay you plus compensation or that the insurer is correct.
if you dont agree with this you can ask for it to be looked into again.
if the insurer is found at fault they cannot argue this case, they have to accept this.
also if you ring sky and advise you are going to the FOS they will panick, trust!!
each time a policy holder goes to the FOS regardless the outcome they are charged £500
hope this helps mate!
sx_turbo
Lifer
your right adam, you need to speak to the insurance ombudsman, and see what they say.
after speaking to the insurance ombudsman, then phone sky again, and tell them what the ombudsman said.
then threaten them that if they dont give you the policy that you was originally offered, then you shall get the ombudsman to start investigations. as this is what they are there for.
EDIT: i got beaten to it.
after speaking to the insurance ombudsman, then phone sky again, and tell them what the ombudsman said.
then threaten them that if they dont give you the policy that you was originally offered, then you shall get the ombudsman to start investigations. as this is what they are there for.
EDIT: i got beaten to it.
Mike@TD.co.uk
Registered Trader <a href="http://www.Tuning
thats pretty shocking, I was tempted to try Sky come renewal time :S
Sound advice from malcolmgt, and in your position its what I would be doing, threatening the insurance ombudsman does work, we do it at work all the time
Hope you get it sorted Adam, not a good position to be in...
Sound advice from malcolmgt, and in your position its what I would be doing, threatening the insurance ombudsman does work, we do it at work all the time
Hope you get it sorted Adam, not a good position to be in...
skyinsurance
Member +
Hi,
I have just read this thread, apologies for the late catch up, and thanks to Sammie for the PM.
The issue raised is being taken VERY seriously in the office. I have not seen anything like this happen in my time at Sky Insurance and we can only apologise for the wasted time and inconvenience caused to Adam.
I understand that since you have made this post you have spoken to our underwriting manager, Jae Pearce. As Jae explained, this is a rare situation where we have put you on cover but when the underwriters have received your details, thay have decided that the risk criteria is too great for them so they advised us to either cancel the cover or reduce the cover to TPFT. I must emphasive that this is a very are situation which occurs once or twice a year at the very most. The risk criteria is not just for Adam, the underwriters have decided that anyone under 21 on comprehensive cover is too high risk, so this is the same for all customers in the same circumstance as Adam. Unfortunately as Sky Insurance are an underwriter, there is nothing we can do on this; as much as we'd like to!
Usually the risk criteria is changed on something like a high risk postcode, for example if there have been a high volume of claims in a certain postcode, our underwriters can decide to refuse cover in that postcode.
Just to reiterate, this is a very rare occurance.
Adam, my sincere apologies on behalf of Sky Insurance. You are still insured for the 7 days as mentioned and you have only be charged on a pro rata basis for the time you have had on cover with us.
Regards
Ollie Frost
Car Club Liaison Manager
Sky Insurance
I have just read this thread, apologies for the late catch up, and thanks to Sammie for the PM.
The issue raised is being taken VERY seriously in the office. I have not seen anything like this happen in my time at Sky Insurance and we can only apologise for the wasted time and inconvenience caused to Adam.
I understand that since you have made this post you have spoken to our underwriting manager, Jae Pearce. As Jae explained, this is a rare situation where we have put you on cover but when the underwriters have received your details, thay have decided that the risk criteria is too great for them so they advised us to either cancel the cover or reduce the cover to TPFT. I must emphasive that this is a very are situation which occurs once or twice a year at the very most. The risk criteria is not just for Adam, the underwriters have decided that anyone under 21 on comprehensive cover is too high risk, so this is the same for all customers in the same circumstance as Adam. Unfortunately as Sky Insurance are an underwriter, there is nothing we can do on this; as much as we'd like to!
Usually the risk criteria is changed on something like a high risk postcode, for example if there have been a high volume of claims in a certain postcode, our underwriters can decide to refuse cover in that postcode.
Just to reiterate, this is a very rare occurance.
Adam, my sincere apologies on behalf of Sky Insurance. You are still insured for the 7 days as mentioned and you have only be charged on a pro rata basis for the time you have had on cover with us.
Regards
Ollie Frost
Car Club Liaison Manager
Sky Insurance
Last edited:
sx_turbo
Lifer
that still doesnt make sense ollie.
you need to speak to your underwriters before a policy is qouted, so therefore his "risk" assesment should have flagged up, instantly, and adam should never have been offered the insurance.
the reason i can never get an instant qoute when i speak to an insurance brokers, is because they phone there underwriters, to get a qoute and then they either call me back or keep me on hold for five mins while they get the qoute.
or have i completely misunderstood the whole concept.
you need to speak to your underwriters before a policy is qouted, so therefore his "risk" assesment should have flagged up, instantly, and adam should never have been offered the insurance.
the reason i can never get an instant qoute when i speak to an insurance brokers, is because they phone there underwriters, to get a qoute and then they either call me back or keep me on hold for five mins while they get the qoute.
or have i completely misunderstood the whole concept.
skyinsurance
Member +
Hi,
just thought I'd point out that there is absolutely no financial loss involved here at all, we have not charged Adam anything other than for the time he has been insured with us. We have tried to sort this out the best way we can and we have reached the best resolution which is possible.
I'd also like to say that this issue has been dealt with in a prompt and professional manner and point out one more time that this is a very rare occurance. Sky Insurance are an insurance broker, if our underwriters change their criteria then out hands are completely tied.
Regards
Ollie
Sky Insurance
Elaine
Lifer
Does this imply that for the time he has had cover with you it has been false has he believed he was covered fully comp but in the event of a clam you would have only covered him 3rd party???
When was the diction made that Sky would know longer insure under 21 fully comp..
skyinsurance
Member +
We get our updates from the insurance company (underwriters), usually on a monthly basis. When the update has been run it has flagged up Adam's case. Before the update arrived we believed that the cover for Adam was valid.
Adam_Glanza
Member +
cheers lads,
giving the umbudsman a call now.
hopefully i can get something sorted neway?
i mean if it really is legal then what can i do, but im sure there not aloud to do this, especially if theyve already taken my money in full.
they have said they will give me a tpft quote, and i guess a full refund, but that isnt wat i want.
i need to be fully comp as all my money is in that car, and if i get another accident like i did before and write off the car then ive thrown away £5000.
i fear that following these steps are just going to create bad feeling and even if i do go with them its not gonna be a nice budding friendship lol
giving the umbudsman a call now.
hopefully i can get something sorted neway?
i mean if it really is legal then what can i do, but im sure there not aloud to do this, especially if theyve already taken my money in full.
they have said they will give me a tpft quote, and i guess a full refund, but that isnt wat i want.
i need to be fully comp as all my money is in that car, and if i get another accident like i did before and write off the car then ive thrown away £5000.
i fear that following these steps are just going to create bad feeling and even if i do go with them its not gonna be a nice budding friendship lol
skyinsurance
Member +
For the time Adam has been on insured, he has been covered FULLY COMPREHENSIVE...
I understand that the criteria was dictated to us in the rates as of June 1st.
Ollie
Sky Insurance
Craig_GT
Lifer
Technically there is a loss tho ollie if you said the insurance wasnt correct then why charge him for something he hasnt recieved?
He has paid for Fully comp insurance which he isnt getting so why are you charging him for something he never asked for (TPFT)
Craig
sx_turbo
Lifer
now that makes sense.
but surely if adam was offered insurance before the update, then technically there was no problem?
as he took the policy before the update.
as surely if i took out a policy at the beginning of the month, and the update was done at the end of the month you wouldnt turn round to me and say i'm not insured would you?
if no then surely the principle still works if the insurance was taken out a day before the update?
sx_turbo
Lifer
trust me mate they dont want your friendship they just want your money.
if you annoy sky insurance it really doesnt matter there a big company i'm sure they'll get over it.
skyinsurance
Member +
There is no loss as he has been covered on a fully comp basis. He has been charged for the time he has been on cover and for nothing else. We have also given Adam a week to find alternative insurance on a fully comp basis or we have given him the option of TPFT.
Ollie
Sky Insurance
sx_turbo
Lifer
elaine there useless i just phoned them and they said they will only insure females under the age of 24 on imports.
bloody annoying as im trying to get cheap qoutes also
Adam_Glanza
Member +
yeah i can see that now..
thank you for your reply ollie, but it still just doesnt make sense to me.
i cant see how you can offer me my policy, take my money, then 2 weeks later decide to refuse insurance?
like i explained to jae and many other members have picked up on, this should be picked up while recieveing the quotation, and if it wasnt i should be insured? just because your orders have been changed afterwards cant then pick me out?
i was delighted with the quote first given, and as our main insurance company here on tggt im now extremely disapointed.
i wish you would of just straight refused me so i could of got other insurance sorted out before my old policy expired!
im currently in talks with the insurance umbudsman, because i feel your acts are illegal
thank you for your reply ollie, but it still just doesnt make sense to me.
i cant see how you can offer me my policy, take my money, then 2 weeks later decide to refuse insurance?
like i explained to jae and many other members have picked up on, this should be picked up while recieveing the quotation, and if it wasnt i should be insured? just because your orders have been changed afterwards cant then pick me out?
i was delighted with the quote first given, and as our main insurance company here on tggt im now extremely disapointed.
i wish you would of just straight refused me so i could of got other insurance sorted out before my old policy expired!
im currently in talks with the insurance umbudsman, because i feel your acts are illegal
thomllee1981
Member +
its only after you declare mods that it becomes interesting to get a decent insureance quote with alot of companies and then you tend to end up with a policy that only puts the car back to original and doesnt replace your mods!
ADAM:
i have heard of people getting glanza's insured by informing there insureance company that the glanza is a gt turbo import but a face lift model it may help i dont know.
ADAM:
i have heard of people getting glanza's insured by informing there insureance company that the glanza is a gt turbo import but a face lift model it may help i dont know.