Safely Insured

Hi Matt, I find the best way to deal with trolls is to give as good as you get. My boss Jae is reading this thread, I am sure he will give me a call if I say anything untoward. Kind regards Ollie

Matt, I'm sure if we said that ice is frozen water you would still find a way to argue it wasn't. Here, have a pat on the back Hopefully other members can see this for what it is.

If you have this information or can find it I would be very interested. My Corolla T Sport needs suspension components and I am reliant on the diagrams to show me what the part numbers are! Mr T are not interested in helping answer questions (cant blame them I suppose) they just want my money! Ollie

I've copied this over from another forum , I couldn't see that is has been posted already. I have used toyodiy a few times, it comes in handy when you own 5 Toyotas andf you local Toyota delaerships are muppets, please read below: "Long story short..... Toyodiy.com used to have the exact same diagrams as the dealers but for pretty much every Toyota/Lexus product in the world. You could click on the photos and get part numbers that were always accurate. The corporate goons at Toyota bullied the ISP host and the site shut down entirely for 2 days but it came back on the 6th without the diagrams. Here is a link to the site and explaination from them: http://www.toyodiy.com/parts/ Here is a link to Toyota customer service: http://toyota.custhelp.com/cgi-bin/toyota.cfg/php/enduser/ask_intercept.php Mail toyota and complain http://www.mr2.com/forums/general-mr2-discussion/Toyota-MR2-47669-please-email-toyota-put-toyodiy-com-back.html

1) this is a change from the stock SMIC to a more efficient aftermarket SMIC 2) You'd be lucky to find any insurer who would not charge for this. The rest of the concerns here are insurance industry specific not Sky Insurance specific.. as such I think I have said all that needs saying.

Andy, I've PM'd you back on this one. As I said in my PM, having looked at this situation a bit closer it is clear that this is indeed an intercooler upgrade as the core is more efficient on the Whifbitz design. I cannot justify going back to the underwriter to ask them to reduce their fee on that bssis unfortunately.

I know what you are saying Matt and I refer you to my previous answer made at 12.46pm. In the event of a claim the insurance assessor is not going to start extracting oil from the car to test it is within manufacturers specifications. It is likely though that they would query an undisclosed intercooler upgrade.

The cost is going to be higher to the customer with a £1000 annual premium than it would be with a £300 annual premium. Whilst I do agree with what you are saying, I feel you be hard pressed to find an insurer who wouldn't load for an upgrade of IC. The underwriters we use have loadings for certain modifications, unfortunately they do not differenciate between a small SMIC and a large FMIC. The system is perhaps a little flawed in that respect. It does work both ways though, we had a customer who has an ineffective SMIC on his MR2 turbo which was swapped for a charge cooler system. There was no increase in premium for this despite power gains.

If his premium was £300 then I would agree but this is done as a percentage loading on the annual premium. His annual premium may be a lot higher than £300. Andy, you have PM

Hi guys, I am telling you the way it is.. I guess you'd be miffed if I said "no dont worry about declaring THAT modification" and then you have a claim and the non disclosed modification causes an issue? I am giving you the official answer, all changes from when the car left the factory need to be diasclosed to the insurer. If the brand has changed then yes it is a modification as the car did not roll out of the factory with the whifbitz smic. No, the guy has done the right thing. Again, if he hasn't and it caused a problem down the line then he would have regretted not informing us. I am going to PM the customer to find out more, i just want to check this has been done correctly.

Like most insurers, we have loading for certain modifications, an upgraded intercooler is always going to attract a load on the insurance premium. You would hard pressed to find any insurer who would not charge for this. If it is a change from when the car left the factory, it should be declared.

We insure many under 23's but we do not offer cover in Northern Ireland.

Looks great, which zoo did you go to and can anyone pay to be a keeper? Could be a good xmas present idea for someone... Thanks

:D lol

Well I posted this questions up and it's been over an hour now and it still hasn't been answered. How hard is it to have a conversation on this forum normally you at least get a reply. Jae

Hi, According to my records you rang our office at 10.32. You spoke to Alex who informed you our systems have crashed then he called you back at 10.52 and went through the quote with you. Can you confirm this is correct? Jae

ha ha ha HA HA HA HA HA HA!!!!! THAT tickled me somewhat!

I dont know if this helps? http://www.lxcarclub.com/

whoa! I certainly didn't see that one coming. Its a nice idea, but one that is completely imposible. Brokers work on a profit margin of literally a couple of %. In fact most brokers will say they do not break even on a case until at least the second year after deducted aquision costs, wages, advertising, software etc. Any broker who tried to cover part of the insurer charges would be bankrupt in a year. My question is, how can we as your broker help to make you better aware of the terms of the contract you are about to enter into. Jae

No you don't understand. We are a broker, its insurer that charges short period rates (these a pretty much universal). We do not have any control over the rates they charge. We are just trying to make the customer aware of them. Jae

EDIT, looks like the boss Jae beat me to it, with the same info. Ollie

How do you think I can fix this problem that Matt H? (see post above)

Hi MarkR, I write the sales scripts and proceedures for Sky and TBH short period cancellation rates fom insurance companies (not brokers) have always been the source of complaints. I have tried to address these compaints by adding a script to the sales checklist which explains how cancellations are calculated and gives a brief example of short period cancellation rates (1 month 25% 3m 50% 6m 75% and so on). We then ask if you still wish to incept the policy. After this we send full disclousre details which outlines our status as FSA rtegistered broker and once again covers the cancelltation rates and proceedures. I would welcome any suggestions you, or any, members have how I can stop these complaints at source and help people understand what happens in the event of a policy being cancelled early. Thanks Jae

There is a very good reason. The reason is Fraudulent claims. Our underwriters do not allow us to add an agreed value mid-policy for that very reason and the fact that we have had our fingers badly burned in the past just reinforces this. It raises suspicions when a customer wants to suddenly add an agreed value clause to their polcy halfway through when it would have been offered at renewal. Ok, so you had a contract with us for 8 months and you are still expecting a large sum back? I can only really refer you to the terms and conditions that you were in receipt of upon the inception of your policy. Sorry for the blunt answer but it is response to your blunt posting. Regards Ollie Sky Insurance

Hiten55, I have just received your PM. I have replied. I have been out of the office since Thursday. Regards Ollie Sky Insurance