View Full Version : Sky Insurance Survey
It has been suggested a few times now that the club insurance scheme is not as good as it was when it first started. In a effort to find out exactly who is and who isn't using the scheme, and what is right and wrong with the scheme, I have put together a survey. The survey covers all aspects of the scheme and provides plenty of space for any complaints, compliments or suggestions to be made. We will then use the results to determine the fate of the scheme - whether it should stay or go, or are there any areas we need to discuss with Jae to make the scheme better.
So now is your chance to voice your opinion on the scheme and have it listened to. Please complete this survey even if you don't use the scheme so that we have an idea of who is benefitting from it! It takes between 2 and 5 minutes to complete depending on what you have to say.
http://www.mkivsupra.net/vbb/survey.php?&do=take&sid=59
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:( I'd like to voice my opinion too as I'm not too impressed with sky
Theres no options from question 27 onwards to say you dont have insurance with sky.
:( I'd like to voice my opinion too as I'm not too impressed with skyYou can now.
You can now.
Cheers Mawby :thumbs:
Theres no options from question 27 onwards to say you dont have insurance with sky.Fixed also. (Hope I didn't break any part of it in the process!)
i notice I'm not alone with the lack of knowledge that a finance house buys the policy, then things turn ugly when trying to cancel :(
The two things I disliked andI have put them in my survey the price and using the Like for like as a bargaining tool! as my insurance was more than £300 dearer than other companies but I did go with Sky for that like for like also they did not even attempt to match or bridge the gap. It was a case of take or leave it.
I've been happy with them up to now, but my renewal is in 6 weeks so i'll be interested to see what happens then.
How long are you planning to keep the survey open for?
also happy with them so far, never had to make a claim though and I guess that would be the key test in overall commitment to service. ( Survey completed)
I've been happy with them up to now, but my renewal is in 6 weeks so i'll be interested to see what happens then.
How long are you planning to keep the survey open for?It will close at the end of this month.
Done, who is the person that's over 60??
Saw that in the results.
i notice I'm not alone with the lack of knowledge that a finance house buys the policy, then things turn ugly when trying to cancel :(
Yer that really peeed me off when I swapped from NA to TT only to find that the TT price had gone up loads. Just a ridiculous renewal quote as well :(
Some people have filled it in a bit daft for example only one person has cancelled a policy but 4 have had problems cancelling a policy which seems strange!
Hope the answers help.
Some people have filled it in a bit daft for example only one person has cancelled a policy but 4 have had problems cancelling a policy which seems strange!
Hope the answers help.
I think this is down to people wanting to cancel (so have had problems cancelling), but the problem being is the fact that you are charged a large sum of money. Hence why only 1 person has cancelled.
Had my renewal quote from Sky including BPU yesterday of £1155.
Just phoned A Plan and got £676 for the same quote. Think im going A plan despite the lack of agreed value.
Mark
When I changed a few questions to have an N/A option it reset the results graphs, although the original values are still there in the survey. If you filter the survey results by Yes for that question you will see move than one set of answers are displayed.
EDIT - All if you look at the results it says x number of votes but if you add up all the votes for each question the total doesn't match.
I will see if I can get the graphs to update for those questions I changed.
Some people have filled it in a bit daft for example only one person has cancelled a policy but 4 have had problems cancelling a policy which seems strange!
Hope the answers help.
i think this is because it asks you about your experience cancelling or claiming, even if you answer no to whether you've had to do these
i think this is because it asks you about your experience cancelling or claiming, even if you answer no to whether you've had to do these
ah man it shouldn't do. I even had the other mods test it to make sure that no longer happened. sodding thing. :(
31. Have you ever claimed against your policy with Sky Insurance?
No
32. Did you encounter any problems during your claim?
I haven't claimed.
33. Would your experience of claiming though Sky Insurance influence your decision to renew with them?
???
Should I just answer no to 32 and 33?
Yes. I have checked and the survey is definitely setup to ignore questions 32 and 33 if the answer to question 31 is No or N/A so there's not much else I can do about this problem.
Any more takers for the survey? It will close next week so get your comments in now.
http://www.mkivsupra.net/vbb/survey.php?&do=take&sid=59
it does seem to go ***s up around the mis 20's oh well I just said no
since crashing my car January 25th of this year i have headaches regarding a payout and only today received my cheque. I am in no way blaming Sky, however the company that accepted my insurance was Ensign who use a company called claimtec to sort out payment. These are some of the worst bunch of muppets i have ever had to deal with. If ever i insure with sky again...it would be to check the quotes and rule out ensign, otherwise I was happy with the cover (£200 more than Elephant but with the agreed price i wasnt hurting in the pocket:d ).
SUPRALOOPY
21-04-07, 21:48
Just renewed.. won't again though..hassling me for the agreed value money. want me to send all documentation again??? they have all the same from last year?? wtf can't be doing all that again.. next year i'm off
Just renewed.. won't again though..hassling me for the agreed value money. want me to send all documentation again??? they have all the same from last year?? wtf can't be doing all that again.. next year i'm off
This is going to be a pain for me this year, as they did not return any reciepts (just checked as insurance is up next month) and they did ask me to send the originals, so how the hell am I going to prove what I have on my car. Hopefully it is just additional items.
This is going to be a pain for me this year, as they did not return any reciepts (just checked as insurance is up next month) and they did ask me to send the originals, so how the hell am I going to prove what I have on my car. Hopefully it is just additional items.
lol,
i got all that, send mot copy etc. i still am a policy member, and only asked to up my agreed value,
only 6months have passed since being on the policy.
after i rang up, said my car will be done in a couple of weeks, i am asked to send paperwork before its done,
i cant because the agreed value requires pictures.
and after i had sent out all the docs, and phoned to make sure they had recieved them, i get a letter 3 days after saying we havent got your mods list
I know it's not quite the same, but I recently got a new quote on my modified SEAT Leon, and I've been very impressed with Sky once again - i might end up going with them this year.
Very competitive prices, decent service, and knowledgeable staff on the other end of the phone - unlike some insurers that don't even know what a "boost gauge" is..... :(
My observation on this is, is the agreed value worth it, when it comes to claiming, is it more of headache with Ensign and Claimtech. Although I cant fault Ensign for claim I made against my policy which I have now clearly just remember and did not put that on the survey, Doh, but they garage they used did screw up the re-spray badly...........
Done.
Are we going to have another poll with regards to who the majority of the member's want as the club insurer ?, seems there's more people not impressed with Sky than people that are.
not impressed with there quote waste of my time adrian flux all the way
would not even quote for me... so useless... :(
Well im very happy with Sky and have just recieved the policy documents which im trawling through to make sure theres no mistakes.
Also very impressed with the price as well but i guess getting old has some benefits :d
Well im very happy with Sky and have just recieved the policy documents which im trawling through to make sure theres no mistakes.
Also very impressed with the price as well but i guess getting old has some benefits :d
This is my point Dunk, Im happy as you are with Sky, but what about when you come to claim, how impressed will you be with Sky then, and Im sure like a lot of other stories on here it seems you might have a headache. Or if they do send your car off when its getting repaired through someone elses insurance and your car goes off to the gargage and like mine comes back with a completely different colour back end, Im sure you remember the photos from .co.uk.............
and Im sure like a lot of other stories on here it seems you might have a headache.
Never seen any posts on here with folk having problems claiming through Sky :search:
Never seen any posts on here with folk having problems claiming through Sky :search:
My mistake then, as thats what I thought I had read on here somewhere, even possibly this thread....... :blink:
I know this is an oldish survey... but that's very nice of you to put that together for them Mawbs..
I work for an insurance company and we supply on-line solutions to lots of brands, Asda, American Express, Halifax, Argos etc.. a couple of years back RAC spent around £40k on a survey not as details as the one you've put together.
I hope Sky realise what a nice helpful thing you've done for them :)
They should really have put this together to keep the business.
I use to be witrh Sky, my policy lapsed for a couple of days as my Supra is not on the road at the moment and was transferred to another car which I then subsequently sold.
On phoning Sky they explained that I could not have an agreed galue as I was not a renewal and this was a new quote, they said they dont do agreed values for new customers now. My policy expired on the 17th and I contacted them on the 18th. I explained I was a member of the club but this made no difference, guy I spoke to seem very unhelpful.
I thought being the club insurer we would get special deals, it seems Ensigh who underwrite for Sky are changing the premiums and as a result Sky may as well be just another broker.
As a result of the bad service, I went to Adrian Flux, their quote beat the price I was paying for Sky previous and they offered a higher agreed value. Adrian Flux get my business from now on.
I use to be witrh Sky, my policy lapsed for a couple of days as my Supra is not on the road at the moment and was transferred to another car which I then subsequently sold.
On phoning Sky they explained that I could not have an agreed galue as I was not a renewal and this was a new quote, they said they dont do agreed values for new customers now. My policy expired on the 17th and I contacted them on the 18th. I explained I was a member of the club but this made no difference, guy I spoke to seem very unhelpful.
I thought being the club insurer we would get special deals, it seems Ensigh who underwrite for Sky are changing the premiums and as a result Sky may as well be just another broker.
As a result of the bad service, I went to Adrian Flux, their quote beat the price I was paying for Sky previous and they offered a higher agreed value. Adrian Flux get my business from now on.
Andrian Flux do agreed values, I was only staying with Sky as they do that........my premium went up by nearly £300 this year after no claim from against my policy.
Plus Im looking to move now after Sky didnt get the monthly direct debits on time for a couple of months, it was always ok on the 2nd attempt so it cleared within the month but due to this they woulnt let me pay over installments when I renewed so I had to cough up £1300 over 4 months, it hurt.......and it was around Christmas time.....
Tourniquet
28-05-07, 20:58
Beware of Flux matey, I had 2 bad experiences with them. First time round I had a minor junction shunt and made a claim which they settled no probs. They then tried to rip the arse out of me on renewal (more than the average) and I ended up going elsewhere. Second time round after being encouraged back with a tastey price was even worse. I also have a show car (not the Supe) which I was sold an agreed value special show car policy for. Some imigrant retard spanked into a car on the pavement 4 houses down sending it in to mine and then a car opposite ! This was April 4th 2006 - I am still waiting for them to sort my claim out after the other cars were all done within a fortnight. Turns out my super policy ain't worth the paper it's written on and I'm losing left right and centre. The agreed value was held at 7.5k from 13k because I forgot one of the photos. They said it would be re-instated after recieving it but once they did they wrote back and said thanks for the photo and extra money but your value is now only 4.5k !!!!!
Since the twat hit my stationary unattended car Ive had it impounded due to tax etc expiring due to them still not getting round to pick it up for repair and have since been told the one off stuff can't be replaced coz they basically don't want to, even though they are to charge the other lady's company. I've gotta settle for a car full of filler and hope that it never comes to any harm and has to be fixed out of my pocket.
Tbh I understand why some drivers don't bother with insurance, I've thought bout it myself as they're a bunch of money grabbing filthy lying tossers who pull figures out of the air at will !!!!!
Rant over !!!!
cheers Mate for the info, I agree, none of them want to pay out. I think we need to get another club insurer as Sky are not working out either. With 2000 members we must have some buying poewer on getting a good deal for all our members.
This was how it was when Sky got the deal a while back, it now seems that the underwriter are moving the goal posts and Sky cant do anything about it.
This is my point Dunk, Im happy as you are with Sky, but what about when you come to claim, how impressed will you be with Sky then, and Im sure like a lot of other stories on here it seems you might have a headache. Or if they do send your car off when its getting repaired through someone elses insurance and your car goes off to the gargage and like mine comes back with a completely different colour back end, Im sure you remember the photos from .co.uk.............
Well i hope i dont have to make a claim and if the day comes and any repair is done it had better be a good job or i'll be having words with Sky and the insurance company, the trouble is too many repair centers just arent any good, my dads just had his Merc done at a supposed top repair center and to be honest its not the best job ive seen !!
Scott at Sky dealt with my car and he definetly was the best ive spoke to regarding the car and cover requiered, they weren't the cheapest by a long way with there 1st quote ! when i told him another club insurance company was £160 cheaper they got within £10 of it so i went with Sky as they just appeared to be more on the ball.
Who knows until the dredded day a claim is made as to whether youve got a good deal or not.
Did you complain about your car Ash ? what was the outcome ?
Well i hope i dont have to make a claim and if the day comes and any repair is done it had better be a good job or i'll be having words with Sky and the insurance company, the trouble is too many repair centers just arent any good, my dads just had his Merc done at a supposed top repair center and to be honest its not the best job ive seen !!
Scott at Sky dealt with my car and he definetly was the best ive spoke to regarding the car and cover requiered, they weren't the cheapest by a long way with there 1st quote ! when i told him another club insurance company was £160 cheaper they got within £10 of it so i went with Sky as they just appeared to be more on the ball.
Who knows until the dredded day a claim is made as to whether youve got a good deal or not.
Did you complain about your car Ash ? what was the outcome ?
Of course I complained mate, and they arranged to have it sent back to the garage to get it sorted, but all this was being claimed off someone elses insuance, although it does make me wonder how quick they would have been to resolve/sort if it was coming out of their own pocket....
Hi,
I am pleased to see a thread questioning Sky Insurance and the club deal. Sky insurance to be honest are not a bad broker for helpfulness, However and im keeping this short due to the last 12 months of issues yes 12 Months of issues ive had. Ensign as an insurance company take forever (my car was 6 months off the road) and Claimtech should be closed down. IT IS THE Claimtech company used by Ensign that cause my car to fixed by a reccomended (dodgy garage and had pattern parts (flimsey front bumper that did not fit and had no impact protection) fitted to the car. I had to complain and get Toyota to write a letter to confirm the parts were not genuine. The after around 4 months I had the car looked at when Ensign took the job off of Claimtech (the Ensign engineer admitted Claimtech were poor and they were looking to get rid). my car was finally back after 6 months and many complaints. I then after three weeks of having the car back had an old lady scrape the rear quater and then found out I was un-insured with Ensign as my insurance had expired while my car was with Ensign and I had one of three hire cars (yes three over 6 months). I then found although Sky had my details initialy they had sent my reminder to a different address which is why I had never thought to renew while Ensign had my car. I have now had to go through the Ombudsman and am tryin to get out of a situation where the other party is now blaming me. I renewed with Sky in desperation to try to get myself back insured asap due to this issue which I had no idea of at the time of accident. Once my insurance expires this time I WILL NEVER GO BACK WITH SKY!!!! and would advise others to be careful. If you do go with Sky make sure your not with Ensign!.. I could go into far more detail but am tired of the whole lot of em. Be warned.:Pling:
Sorry to here of your problems and now im more than a bit concerned as ive just insured my Supra with them and my BMW,
SKY have a done a good job so far for me but worryingly the supra is with Ensign !!
I feel your pain Emu!
I had to go through ensign, claimtec and the 'approved garage' when my car got vandalised 1.5 year ago. I hope I never have to go through that again. It was a nightmare, got my car back in a worse state than when it went in!
Why doesnt sort Sky out all these things for us, thats what we pay for isnt it? I dont want to be calling 4 companys at my own expense. :taped:
Why doesnt sort Sky out all these things for us, thats what we pay for isnt it? I dont want to be calling 4 companys at my own expense. :taped:
Agree, a broker is at the end of the day a person who functions as an intermediary between two or more parties! So as you say, we shouldn't be ringing round the doors chasing things up.
As said before it seems to depend on who you speak to at sky but in all fairness Jae has posted up here that if we have any issues then we should contact him direct and he'll sort it out, sure that applies to quotes as well as claims.
Yeh Ensign I believe insure all the supras as a part of the club memebrship. In fareness the guys at Sky seem fair but it is Ensign who are the insurers.
As stated previously, it is Ensign that are now stopping the agreed values for the cars unless you are a renewal. This was one of the main perks of th club insurance, if it does notr exist, what are they actually giving us as lower quotes have been found through other insurers.
I feel sorry for Sky as they are getting a bad deal from the members and it is not their fault but saying that, they earn the commission, may be they should be speaking to Ensign and telling thenm that the club insusrance scheme has vastily deteriated.
SUPRALOOPY
30-05-07, 23:21
So A plan seem to have a good name don't they??
So A plan seem to have a good name don't they??
Thats who im with. Was cheaper for me too.
I shall be speaking to Sky today with regard to Ensign, part of Sky's job being a broker is to find you the best all round deal which includes the quality of insurance comp they put you with.
I shall mention members problems to them and ask why there still putting business with Ensign if there so bad !!
I shall be speaking to Sky today with regard to Ensign, part of Sky's job being a broker is to find you the best all round deal which includes the quality of insurance comp they put you with.
I shall mention members problems to them and ask why there still putting business with Ensign if there so bad !!
Speak to Jae, got to be him as he deals with the owners club.
SkyInsurance
31-05-07, 09:06
I shall be speaking to Sky today with regard to Ensign, part of Sky's job being a broker is to find you the best all round deal which includes the quality of insurance comp they put you with.
I shall mention members problems to them and ask why there still putting business with Ensign if there so bad !!
Firstly I good to hear that on the whole people are still happy with Sky as a broker.
The main reason we continue to put club members with Ensign is, they still offer the best level of cover for modified cars. No other insurer on our panel offer like for like replacment cover for modified parts. I understand that not being able offer the agreed value endorsement to new customers is a problem, and it is one that we are trying to resolve at the moment. We are putting pressure on Ensign to give the facility back as well as putting proposals together for other insurers.
At the memonet the claims at Ensign are delt with by a company called claimtec. As a result of complaints and pressure from brokers (mostly us) Ensign will no longer be using claimtec and there claims will now be handled in house with effect from 01-july. This should see a vast improvement in the claims service at Ensign. We have also appointed Graham in our Enfield office calims manager, he monitors all of our claims and is available to anyone who is not happy with any aspect of their claim.
Anyone who uses this forum regularly will know that I am on here most days and can be contacted by PM or email with any complaints or questions regarding insurance, even if your current policy is not with Sky Insurance.
Jae
Firstly I good to hear that on the whole people are still happy with Sky as a broker.
The main reason we continue to put club members with Ensign is, they still offer the best level of cover for modified cars. No other insurer on our panel offer like for like replacment cover for modified parts. I understand that not being able offer the agreed value endorsement to new customers is a problem, and it is one that we are trying to resolve at the moment. We are putting pressure on Ensign to give the facility back as well as putting proposals together for other insurers.
At the memonet the claims at Ensign are delt with by a company called claimtec. As a result of complaints and pressure from brokers (mostly us) Ensign will no longer be using claimtec and there claims will now be handled in house with effect from 01-july. This should see a vast improvement in the claims service at Ensign. We have also appointed Graham in our Enfield office calims manager, he monitors all of our claims and is available to anyone who is not happy with any aspect of their claim.
Anyone who uses this forum regularly will know that I am on here most days and can be contacted by PM or email with any complaints or questions regarding insurance, even if your current policy is not with Sky Insurance.
Jae
Well you beat me to it Jae, i was just about to pick the phone up lol
I personnally cant fault your service so far but can you assure me that if the worst happens to my car and a claim is made Ensign will deal with it properly and proffesionally ? i got other quotes that were cheaper but chose you guys because of the level of service i got which i hope will be the same if ever the need to claim occurs.
SkyInsurance
31-05-07, 11:10
Well you beat me to it Jae, i was just about to pick the phone up lol
I personnally cant fault your service so far but can you assure me that if the worst happens to my car and a claim is made Ensign will deal with it properly and proffesionally ? i got other quotes that were cheaper but chose you guys because of the level of service i got which i hope will be the same if ever the need to claim occurs.
In a word yes. I can't gaurantee that something won't happen that will delay or complicate a claim, like a third party disputing liabilty, but I can promise that we will do everything we can to make sure a claim is dealt with to your satisfaction.
Our relationship with this club is very important to us. More important than our relationship with any one insurance company. I know some people in the past have questioned Sky as the club insurer when we have been uncompetitive on quotes but I never promised to be the cheapest company for every single club member.
I promised Mawby that I would train my staff to understand modifications, supra's and supra owners and that Sky as a broker will do everything in it's power to fight our customers corner in the event of a claim.
Jae
In a word yes. I can't gaurantee that something won't happen that will delay or complicate a claim, like a third party disputing liabilty, but I can promise that we will do everything we can to make sure a claim is dealt with to your satisfaction.
Our relationship with this club is very important to us. More important than our relationship with any one insurance company. I know some people in the past have questioned Sky as the club insurer when we have been uncompetitive on quotes but I never promised to be the cheapest company for every single club member.
I promised Mawby that I would train my staff to understand modifications, supra's and supra owners and that Sky as a broker will do everything in it's power to fight our customers corner in the event of a claim.
Jae
That re assures me somewhat to know you'll do your best, obviously certain things are out of your control which i totally understand but im still a little concerned about Ensign wanting to send my car off to some cheap repair shop if the worst should happen and it require bodywork etc.
Do they have approved repair centers in the Midlands ? I'd be interested to know where it would be sent as ive seen lots of car repair shops round here that i wouldnt want my runaround going to let alone my Supra.
Thanks
Dunk
SkyInsurance
31-05-07, 14:57
with all insurance claims you have the right to take your car to whichever garage you like. However not using one of the insurers approved repairs will slow a claim down as the car will have to be inspected before the work can be started. The only time an insurer will not let you use a garage of your own choice is if their estimate is much higher than that of other garages.
with all insurance claims you have the right to take your car to whichever garage you like. However not using one of the insurers approved repairs will slow a claim down as the car will have to be inspected before the work can be started. The only time an insurer will not let you use a garage of your own choice is if their estimate is much higher than that of other garages.
Cheers Jae, im feeling much better about the situation now, thanks for your input which i greatly appreciate.
Dunk
SkyInsurance
31-05-07, 15:09
:salute: :thumbs: my plessure Dunk
J
Good honest posts Jae, well done :)
with all insurance claims you have the right to take your car to whichever garage you like. However not using one of the insurers approved repairs will slow a claim down as the car will have to be inspected before the work can be started. The only time an insurer will not let you use a garage of your own choice is if their estimate is much higher than that of other garages.
If only I knew that last time my car went into their approved garage... :taped:
Thanks for the info Jae
Well I'm happy with Sky.
Quoted me very happy for the Supe at £406 fully comp protected & agreed value at £8K. Nobody else could even come near it!
My other car is due for insurance renewal at the same time (yeah, great planning!) so after trying EVERY insurance company under the sun I gave them a bell & knocked £20 off the best quote.
Didn't ask if they could match the NCB on my second policy with the 6 years on the Supe...... Maybe I should have been cheeky? ;)
As stated previously, it is Ensign that are now stopping the agreed values for the cars unless you are a renewal. This was one of the main perks of th club insurance, if it does notr exist, what are they actually giving us as lower quotes have been found through other insurers.
Is that true with regards to the renewal fact?
Yes mate, that is true, you only get agreed vakues if you are a renewal, new policies dont get it. My policy lapsed by one day and Sky said Ensign would not give me an agreed policy.
Due to this fact, I decided to leave Sky and have gone with Adrian Flux, the quote thy gave me was better than my previous with Sky and it included a higher agreed value.
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