Insurance **** Up

PMKeates

PMKeates

PMKeates

Soldato
Joined
16 Jul 2004
Posts
14,075
A few will remember my recent post about an MR2 Turbo. I got a good insurance quote on the car and so today I've taken time off work to insure and get the car (Yes, ACTUALLY GET THE CAR).

I telephoned Admiral this morning to swap the insurance over. Went through the usual details checking process and on to the vehicle. At the end he goes "Ah", "Because the group is so high, you'd have to be 21 to insure that vehicle". A stunned silence passes, and I actually say "What!?". "I used the online policy-change quote and got a response with £676 and some odd pence". The guy on the other was confused and asked if I had the quote reference number still. By chance, I did, and gave it to him. "Could I put you on hold for a while Mr. Keates?", "Sure" I reply.

Hold - time to think. Why is the problem occuring? Why when I'm an inch away from owning many a 19 year old's dream car those dreams are being smashed to pieces? Admiral need to pull through this one.

"Hello Mr. Keates?", "I've just spoken to our sales department, and they haven't a clue what's gone on. If I can take your telephone number we'll ring you back.". "Will that be today", I say, "It should be", he replies.

So here I am. Waiting. Waiting to know whether I can get insured, or whether Admiral were just playing with me. I know there's a way I can "force" the insurance on this using whatever's going on with their system, which is to cancel my current policy and immediately take out a new one - as the online system works fine with the car.

So that leads me to lose the little faith I have with insurance companies. They've been quite good to me in the past but they are playing with my mind on this one. Lift you up on a pedestal of hope, and then golf club you in to the distance.

Oh well, suppose I better go sit next to the phone.
 
L0rdMike said:
Lets see some pics of it. :D

That quote is cheap, I paid 1k for mine at 20.
Click to expand...
It was £676 extra, on top of my current policy - was an amendment. Original policy is a little over £1,000, so it works out as a new quote of around £1,700 @ 19. Who were you insured with, by the way?

This would have been her:

mr2ocuk2.jpg

'94 Rev.3 GT T-Bar Turbo
 
Last edited:
Under 21 and an import turbo. There is something certainly up with Admiral's quote system! I'm very tempted, an my extreme cost detriment, to cancel my current policy and just take out a new one. It feels like I've come too far to not get it.
 
That EXACT thing happened to me. Went on the day to pick up the car and "Sorry you have to be 21 to insure that car" they quoted me on it a few days earlier. That was NUD though and I went with Admiral in the end because they were the next cheapest I had to hand.

Unless you have been driving years and have a lot of NCB don't expect them to give good news. The 21 barrier is stupid and I am glad I don't have it anymore :D
 
Scottland said:
Doesn't admirals online quote system say if it's an import from a non EU country the online quotes aren't valid?
Click to expand...
You're correct, the new policy system does:

"If you are insuring an imported car that was originally manufactured for outside the EEC, e.g. an Asian or American import, we are unable to offer you an online quote."

It seems odd, however, that it goes on to allow you to select an imported MR2 Turbo, which could have only been originally manufactured for outside the EEC.

That's not really my quarrel though. What is, is that the system returned me an admendment quote, despite not mentioning anything about invalid import quotes.

What is interesting is that L0rdMike could have been driving around with an invalid insurance policy because of the oddness of the system :confused:
 
I think you could have some trouble with Admiral with it being an import and you being under 21. If I were you I'd ring somebody like Adrian Flux or Sky and see what they can do. Unless Admiral offer you a sensible enough quote that is.

Do you have 1 years NCB?

Either way shop around...
 
I'll try and shop around, but I can't see it getting any better.

Tbh, I feel like driving to Rolls-Royce in Crewe, and creating one of the biggest insurance claims in history :p
 
I don't know, both Sky and Adrian Flux were able to absolutely **** on my quote from Admiral. Adrian Flux clinched it though because they could go cheaper with a discount for being a member of Honda Revolutions.
 
With SXOC and Honda Revs, they'll ask for a copy of your membership card if/when you take out the policy.

If you mention that you've just joined the club and will be receiving the membership card shortly, I'm sure they'll be happy with that.


Good luck getting it all sorted, will be a great car for you to have! :)
 
PMKeates said:
How does that work? You become a member of MR2OC, then they quote you 5% less on your word alone?
Click to expand...

I know for me with Honda Revolutions they will give you the discount on word over the phone but they usually want proof through the post. I guess if you get a membership card sent they want a photocopy of that...
 
I just telephoned Sky Insurance. TPFT, they want £3,150. About £2,150 for a NA TPFT. I suppose it's a quote :p

Didn't want to tempt Comprehensive quotes, tbh!
 
You must log in or register to reply here.
Back
Top Bottom