sky insurance.. royally pissed off.

[Adam_Glanza]

unfortunately they dont list a glanza dave, and refuse to use the gt turbo as a starter point for a glanza tryed it many times and everytime get the same reaction so thats a no go!

i am disapointed too but like i said i dont have much choice, just hope i dont get fucked around anymore!

 

[TurboDave]

Thats a point mate, perhaps somebody should point out to Elephant all the business they are loosing out on by not listing an almost identical car as the GT.

 

[Adam_Glanza]

i already did to bell, she said she would ask the manager or whoever adds the cars on,

she put me on hold for 5 minutes, came back and said there not intrested in adding that car at this present time lol..

 

[Singh013]

Maybe Sky should tell everyone who calls that their policy price quoted is subject to change until they issue the certificate of insurance ?

That way at least the customer is warned.

 

[gv1.3]

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.



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.



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

Since you have only chose to address my post I think there are some items I would like to highlight here.

- by companies you partner with I was referring to insurance companies you do business with - you are a broker, brokers use insurance companies if you choose not to call them partner that is fine.

- You agreed a price with a customer, you then were not able to provide the service at the agreed price and now the customer has cancelled his policy and has a lesser policy through your organisation

- If people cannot trust the quotes you give them then would they not be better off going directly to the insurance companies you work with (partner with) and pay their money binding them to a contract rather than pay the money to you and have to except the watery contract that seems to then exist between the insured and the broker at the mercy of the insurance company.

- I hear what you are saying about this being a one off but I can see absolutely no reason why it cannot happen again - can you give us some information as to what Sky Insurance has done to prevent this happening again or are the quotes you give out still subject to the mercy of the insurance companies you deal with?

-I disagree that if this was a different insurance company the thread would not have gotten as much interest. I think any member experiencing this service would be inclined to speak out about it and our members are entitled to respond. Also if you advertise on public forums you have to accept the good feedback with the bad.

Regards,

Dylan

 

[ChrisGT]

Is this a potential issue with all insurance companies then ? So they speak to the underwriters, who formulate a quote, and then contact you with that quote, but if the underwriters then wish to change their mind they inform the broker who then informs you ? So your policy is never really concrete ? I find that shocking to believe...surely entering a year long insurance policy would be similar if not identical as a contractually binding agreement. You pay xxxx amount per year and their policy covers you for 1 year (ofcourse all details/mods etc should be accurate) and the broker cannot just break that agreement ?

 

[Adam_Glanza]

montana i think the fact is that i hadnt actually signed any papers yet because they took over 2 weeks to arrive, i feel they were probably stalled on purpose tbh!

i think if youve signed and actually recieved your insurance certificate then they cant do jack shit

 

[ChrisGT]

Oh right...they yeah, chances are they stalled on sending the papers out while their underwriters assessed the policy they had offered. I still don't think its at all fair on you bud ! Just seems wrong to provide people with quotes and then after two weeks say oh no that was wrong, we retract it !

The fact of the matter is that yes, I understand quotes are subject to change BUT it seems you got much further along in the process and you had basically been provided cover ! Seems unfair to me that at that point they could nullify your policy !

 

[sx_turbo]

all these people who say they are insured with admiral,elephant,bell, and have a front mounted intercooler, have they declared this? and have they declared that there car is make more than 26% of its standard power?

because if you havnt you are driving without insurance.

i spoke to elephant today, and they refused me cover because of the above, as it is to high a risk

 

[TurboDave]

montana i think the fact is that i hadnt actually signed any papers yet because they took over 2 weeks to arrive, i feel they were probably stalled on purpose tbh!

i think if youve signed and actually recieved your insurance certificate then they cant do jack shit

I have never signed any car insurance papers and returned them to any company? Is this just a Sky thing?

 

[TurboDave]

all these people who say they are insured with admiral,elephant,bell, and have a front mounted intercooler, have they declared this? and have they declared that there car is make more than 26% of its standard power?

because if you havnt you are driving without insurance.

i spoke to elephant today, and they refused me cover because of the above, as it is to high a risk

I think its a case of mind your own business.

 

[sx_turbo]

I think its a case of mind your own business.

i'll take that as a no then dave

 

[sx_turbo]

I have never signed any car insurance papers and returned them to any company? Is this just a Sky thing?

do you pay monthly?

i know i did last year when i chose to use barry grainger.

but they are a broker, so i guess it's just a broker thing

 

[TurboDave]

i'll take that as a no then dave

Well tbh mate, if you read your policy exclusions on the back of your certificate if you piss 2 degrees out of angle first thing in the morning your insurance is void.

If anybody crashes their car "god forbid" either the fmic will be destroyed or if it isn't the person wont be hurt badly enough to still be able to undo the 2 jubilee clips holding the lot on, assuming of coarse that the FMIC is not insured which I am not implying by any means mine is not.

 

[TurboDave]

do you pay monthly?

i know i did last year when i chose to use barry grainger.

but they are a broker, so i guess it's just a broker thing

I pay it off in one painful go, they try to charge a fortune in interest on payments otherwise.

I have used;
Sainsburys
Directline
Elephant

And I havent had to sign and return anything so it must just be brokers.

 

[sx_turbo]

Well tbh mate, if you read your policy exclusions on the back of your certificate if you piss 2 degrees out of angle first thing in the morning your insurance is void.

If anybody crashes their car "god forbid" either the fmic will be destroyed or if it isn't the person wont be hurt badly enough to still be able to undo the 2 jubilee clips holding the lot on, assuming of coarse that the FMIC is not insured which I am not implying by any means mine is not.

lmfao



some insurance come and take your car away almost instantly and they look for any mods that havnt been declared.

i know my last insurers did, as i never told them my battery was moved to the boot, and they made a point of phoning me and telling me this.

they said they will let that one slide as the accident wasnt my fault, and therefore, they will get there money back, but politely reminded that should the accident have been my fault they wouldnt have payed out because of this reason.

and the elephant question wasnt directed at you, there was a couple of people that have mentioned admiral bell and elephant, that i also know have fmics and other things

 

[sx_turbo]

I pay it off in one painful go, they try to charge a fortune in interest on payments otherwise.

I have used;
Sainsburys
Directline
Elephant

And I havent had to sign and return anything so it must just be brokers.

yeah, they do like to stripe you up for paying in installments

 

[ChrisGT]

 

[Matt_Seicentos]

lmfao



some insurance come and take your car away almost instantly and they look for any mods that havnt been declared.

i know my last insurers did, as i never told them my battery was moved to the boot, and they made a point of phoning me and telling me this.

they said they will let that one slide as the accident wasnt my fault, and therefore, they will get there money back, but politely reminded that should the accident have been my fault they wouldnt have payed out because of this reason.

and the elephant question wasnt directed at you, there was a couple of people that have mentioned admiral bell and elephant, that i also know have fmics and other things

It also works the other way though, I've got a mate whos crashed around 3 times, in 3 highly modified cars and not once have insurance refused to pay out upon inspection, and these 3 cars never had any modifications declared.

 

[Dazwin]

with some insurance companies if you dont declare the modifications and you crash they just wont pay out for them, has happened before