sky insurance.. royally pissed off.

[gv1.3]

Hi,

whilst I see that Sky Insurance is attempting to put right this situation I cant help but see the position this has left Adam in. Adam has now dropped the policy he had based upon the quote Sky Insurance had given him. It is difficult enough for a young person to get insured by any company and to give up insurance and move to another company requires trusting that company to deliver what they said they would, Sky Insurance has not delivered this and can pass the blame on to their partner companies as much as they like, the agreement was with Sky and if there is failures in communications or processes between Sky and the companies they parter with that is not Adams fault.

Adam handed over his money in good faith based upon a quote he had been given by a member of your staff. To then offer him ANYTHING less than what he had bought is unacceptable, he is a customer - it is not very good business sense to punish customers for mistakes your staff or partner companies have made.

Adam I really feel for you mate. You have been left in a very bad position and I think you have been very calm and professional about the whole situation thus far, I do not think I would have been able to maintain my composure half as well.

The grim reality is you are probably better off taking the refund and doing as much leg work as you can to try find an insurance company that will offer you better service and actually wants your business. The way I would look at it is - if this is how you are being treated when you are trying to give them money... in the unfortunate event of an accident imagine what it would be like to try and get money from them.

I hope you get sorted Adam,

Dylan

 

[www.glanza.co.uk]

Indeed... If you (as in Sky) know your underwriters are hesitant at giving insurance to under 21's, then maybe you should re-assess your business practices, and refer to them first before quoting. For the sake of a simple phone call for clarification, this could have all been avoided.

 

[sx_turbo]

Indeed... If you (as in Sky) know your underwriters are hesitant at giving insurance to under 21's, then maybe you should re-assess your business practices, and refer to them first before quoting. For the sake of a simple phone call for clarification, this could have all been avoided.

they already do this, i know as i have got qoutes off sky insurance in the past, and again today, so that cant blame this.

my qoute today seems really competative at the moment, but i have only tried about 6 company's, but i am struggling to find people who will insure me. see my other post.

 

[gv1.3]

my qoute today seems really competative at the moment

Adam's quote seemed very competitive to him too when he got it... weeks down the line it seems this was not the case.

 

[sx_turbo]

Adam's quote seemed very competitive to him too when he got it... weeks down the line it seems this was not the case.

yeah the guy i spoke to also mentioned this site, and this particular thread, and say's that everyone in the office has seen it.

he says it's a one off and the whole office is apparently really shocked by it all.

and they also messed up my qoute originally, but lucky enough for me graham was really helpful, and managed to get it sorted for me.

i havnt taken the insurance yet, i'm hoping i can get it cheaper still.

i have been screwed over by insurance company's before, and will not under any circumstances go back with my current insurers, even if it cost me more money.

it's the principle of it.

 

[Adam_Glanza]

all i can say is thank you all very much for your support and guidance thus far.

ive tryed to deal with it in the best way i could, i admit to begin with i wasnt too calm but hey who would be lol.

unfortunately ive now been left in a tough decision, but im going to have to take sky up on there tpft offer as ive tryed literally every other insurance company i can think of and i cant get a reasonable quote at all.

i was extremely disapointed, and there have obviously been big mistakes made but i can only hope sky insurance will take this on board and not make the same mistakes in the future!

unfortunately yes there fully comp offer did seem to good to be true, and indeed it was! i cant help but feel slightly sucked in by it, neway i dont have many choices to be fair, either accept skys offer or go fully comp for 3000 which i just cant afford.

just let it be a lesson for other members to be extremely careful, and make sure you get the policy in writing before cancelling your old insurance

 

[skyinsurance]

Sky Insurance has not delivered this and can pass the blame on to their partner companies as much as they like, the agreement was with Sky and if there is failures in communications or processes between Sky and the companies they parter with that is not Adams fault.

I'd like to respond, if I may!

These are not our 'partner companies' these are the insurers we deal with. Sky Insurance are an insurance BROKER. We place your business with a panel of insurers. If an insurer changes their criteria we have to go along with that. It is not our decision. The insurance company in this case changed their criteria just after Adam went on cover.

Adam handed over his money in good faith based upon a quote he had been given by a member of your staff. To then offer him ANYTHING less than what he had bought is unacceptable, he is a customer - it is not very good business sense to punish customers for mistakes your staff or partner companies have made.

Again, I must emphasise the fact that this decision was made by the insurance company not by Sky Insurance. I (we) are not trying to pass the buck, this is simply black and white. If an insurance company says jump, we have to jump. I would also like to say again that this appears to have been a one off, something that we are very thankful for. This has caused a few ripples in the office.

Adam I really feel for you mate. You have been left in a very bad position and I think you have been very calm and professional about the whole situation thus far, I do not think I would have been able to maintain my composure half as well.

The way I would look at it is - if this is how you are being treated when you are trying to give them money... in the unfortunate event of an accident imagine what it would be like to try and get money from them.

Dylan, whilst I see your point, once again I'll say this appears to have been a one off. We have done an awful lot of leg work to get this resolved and we have kept Adam in the loop all of the way through. Once again, Sky Insurance are a BROKER, we do not get involved with claims other than to step in on behalf of the customer to fight their corner if there is a problem with a claim (rare).

Another point I'd like to make is: We (Sky Insurance) are active on your forum.. if this post was about one of our competitiors who do not have a presence on the forum, it would have died a death a long time ago. The fact is that we have seen the issue, dealt with it and reached the best resolution possible. We have now been able to offer Adam insurance on a TPFT basis at a hugely discounted rate.

With regards

Ollie
Sky Insurance

 

[HutchGlanzaV]

The insurance company in this case changed their criteria just after Adam went on cover.

Does this mean that the insurance providers can decide that in 6 months time they don't want to insure people under 25 and my insurance will be void? If thats the case I find that very unsettling. Also surely AFTER is the key word there? You don't go to a shop, buy something and then get told next time you visit that the price has gone up and you owe the shop keeper money. Its the same thing here surely?

 

[Adam_Glanza]

thats the main part i did find quite funny, surely after they cant change it as its too late?

 

[skyinsurance]

Does this mean that the insurance providers can decide that in 6 months time they don't want to insure people under 25 and my insurance will be void? If thats the case I find that very unsettling. Also surely AFTER is the key word there? You don't go to a shop, buy something and then get told next time you visit that the price has gone up and you owe the shop keeper money. Its the same thing here surely?

Once a policy has been issued the insurer can still withdraw the insurance if a material fact is discovered which would have effected the quotation (eg drink drive conviction).

In this case, the certificate of insurance had not been issued therfore the insuers were with in their rights to withdraw cover.

 

[Dan3SGTE]

wow!

Just seen this thread 20 minutes ago and just read through it all! Im really sorry to hear this adam, what a right shitty situation. I just hope youve got it sorted now and are at least happier then you were yesterday and have been offered something that suits you.

I hate all insurance companies, there a pain the the F**kin back side....

 

[Adam_Glanza]

lol well, i wouldnt say im happy but resolute!

atleast theyve offered me a sort of fair resolution to the problem, but still would of much preffered the original quote!

just got to pray to god that i dont get unlucky again or i shall be stuffed lol.

i really dont see why companys ( not meaning sky ) wont insure a glanza for a decent price?

earlier i had someone say they wont insure people under 25 on it? i mean ffs it a 1.3 litre turbo lol

 

[ChrisGT]

Does this mean that the insurance providers can decide that in 6 months time they don't want to insure people under 25 and my insurance will be void? If thats the case I find that very unsettling. Also surely AFTER is the key word there? You don't go to a shop, buy something and then get told next time you visit that the price has gone up and you owe the shop keeper money. Its the same thing here surely?

Very well said.

So people who have policies out with you are not entirely "safe" in a sense. Sky Insurance could all of a sudden make a policy void at their discretion because the underwriters no longer deem the policy safe ? Is that the case for all motor insurance companies ? If so, that is mighty unsettling. I assumed that when someone takes out a policy and they are given said policy, the insurance company would honour the agreement for the life of the policy, and were unable to change it until renewal time arrives or a claim is made etc.

 

[*starlet_babe*]

Very well said.

So people who have policies out with you are not entirely "safe" in a sense. Sky Insurance could all of a sudden make a policy void at their discretion because the underwriters no longer deem the policy safe ? Is that the case for all motor insurance companies ? If so, that is mighty unsettling. I assumed that when someone takes out a policy and they are given said policy, the insurance company would honour the agreement for the life of the policy, and were unable to change it until renewal time arrives or a claim is made etc.

Not meaning to be rude but think you have missed the point a little Its not sky that can make the policy void! They are a broker in which they just act as a searching agent for insurance companies to get you the best deal. This can happen with any insurance COMPANY(not broker), underwriters are the god as far as what can be insured and what doesn't!

Just thought I would explain.

 

[siilversurfer_69]

I was thinking of starting a thread about skyinsurance a couple of months ago but couldnt be bothered to wast my time with them, I was insured with them for a day then decided i didnt need the policy and cancelled it, so for some reason they charged me £300 for that day when the complete quote was about £700tpft, Apparantly the 14 day cancellation period and refund stated in the contract does not exist

I decided just to leave them alone, waste of space tbh, They couldnt even get my name correct and the brakedown cover only took about 2 months and 4 call to get to me

In future i will be sticking to the big companys, Elephant charge me £360 fully comp, Half the price and double the cover

 

[Jules-B]

Adam, Sounds like a crap situation to be in.
I just got insurance with somone through Adrian Flux and they were very helpful


I know this isnt really relevant but i know Ollie is a good guy and im sure he will/has tried his upmost to help with your situation

 

[ChrisGT]

Not meaning to be rude but think you have missed the point a little Its not sky that can make the policy void! They are a broker in which they just act as a searching agent for insurance companies to get you the best deal. This can happen with any insurance COMPANY(not broker), underwriters are the god as far as what can be insured and what doesn't!

Just thought I would explain.

If you read my post properly, thats what I was asking about.

I fully understand that the underwriters have the power, and not Sky themselves...but it is Sky who inform you that your policy has been made void, even though it isn't their decision, so I understand it fine. I was merely asking if this is the same for all insurance companies...you say yes, cheers for the answer.

 

[Timmy]

I was thinking of starting a thread about skyinsurance a couple of months ago but couldnt be bothered to wast my time with them, I was insured with them for a day then decided i didnt need the policy and cancelled it, so for some reason they charged me £300 for that day when the complete quote was about £700tpft, Apparantly the 14 day cancellation period and refund stated in the contract does not exist

I decided just to leave them alone, waste of space tbh, They couldnt even get my name correct and the brakedown cover only took about 2 months and 4 call to get to me

In future i will be sticking to the big companys, Elephant charge me £360 fully comp, Half the price and double the cover

It's taken ages to read this thread.

As understand it there is a 14day cooling off period on insurance as long as you don't have a claim they have to give you the full amount back.

As for Adams situation i think your right to take tpft quote it's as good as you'll probably get. But i believe you are entitled to a full refund on the fully comp policy as i think when they take the payment that is the contract bound, funny how they offered that once you got the fos involved.

I will also point out i get why sky isn't entirely to blame it's unfortunate you tried to get your insurance through whilst they were also trying to change their criteria. Tho if they just offered the tpft cover and/or a FULL REFUND up front it would have been delt with alot quicker. As no doubt you would have phoned around and not found any better cover and that would have been sorted.

 

[Adam_Glanza]

to be fair timmy,

sky did offer me the tpft quote, and a refund minus the amount of days i had been on the policy.

but obviously at that precise time i didnt want anything less than what i was quoted! i would sort of understood if the mistake was spotted 1 or maybe 2 days after the quote, but 2 weeks?

and ollie the only reason i didnt sign the papers and recieve my insurance certificate was because the 1st time the papers came threw they were completely wrong, the 2nd time it too over a week to arrive!.

are you saying that if i would have signed you couldnt of gone back on it?

 

[TurboDave]

Just read the thread and TBH I don't think its good enough, They shouldn't give a quote, agree the cost, assign the policy and then back out.

I have had quotes from Sky and tbh they have been "Sky High" so the younger people don't seem to be loosing out on anything anyway.


Elephant are the way to go always been the best by far for me, and they leave you take out loads of temporary car insurances over the year if you car "goes into the garage" and you have a spare car to use/sell.