Matt H Posted January 26, 2011 Share Posted January 26, 2011 That is indeed the case but you stated this: If you live in a real city in the UK and not a village in the sticks and are below 35, good luck getting a good quote from sky. They are awful. Much better specialists out there. I'm still yet to hear from anyone in London/Bristol/Manchester etc. under 30 who have had a good quote from them. Which isn't the case. We insure many customers in city centre postcodes, in a lot of cases we do have some extra criteria (eg car must not be kept on a public road when parked over night, must have Cat 1 security etc). My issue with your post above is that a member living in a city postcode may read it and take it as gospel truth which stops them from contacting us. This is a shame for them and us. Of course I will correct you on this as it is posted on a public forum, it is my job to do so. We do have exclusions on some postcodes, I wont deny that, Liverpool and Manchester stand out the most. We have picked up negative feedback for a long time about this but it is not something we can change. We look at each risk presneted to us on it's own merit, if we can help a customer and insure them, we will, if we cannot we will let them know as politely as we can. We would love to be able to insure every Mkiv Supra club member but if we turn down the odd case on the basis of the risk presented, we will do so to keep our book running well, if all of a sudden we had a lot of claims on Supras , our scheme would be pulled pretty sharpish, hence why yes we do look at the lower risks presented. We do NOT want to insure a lot of the high risk cases (eg a 21 year old with no experience of a RWD car wanting to insure a TT) - for the very reason that they ARE high risk and more than likely will have a high value claim which effects us as a business. By picking our customers carefully we keep our book running well and pass sometimes significant savings onto customer who do meet our criteria. We have never once stated we could insure every member but we stand by the fact that we are very competitive for the majority. Where's Ollie gone? What have you done with him? My reply to your post was written for the reason I give above, if I saw the post again now I would reply in the same like for like manner which you posted in. Regards Ollie Sky Insurance Ah, there he is, panic over! Quote Link to comment Share on other sites More sharing options...
Safely Insured Posted January 26, 2011 Share Posted January 26, 2011 Lol. How's it proven? At quotation stage you just need to make it clear you are a Mkiv Supra Club member. If you take a policy with us we allow two weeks to provide proof of membership , either a PM or club membership number. Quote Link to comment Share on other sites More sharing options...
Safely Insured Posted January 26, 2011 Share Posted January 26, 2011 Ah, there he is, panic over! Genuine LOL there! Quote Link to comment Share on other sites More sharing options...
supra_aero Posted January 26, 2011 Share Posted January 26, 2011 Karma will catch up with you anyhow - 2 reknowned members on here don't agree with you - and as we've both said we know many other members who agree with us on your service levels. I know the score and appreciate the partial honesty in your first response. It's plain as day nobody on here has posted in your defence that they have had a good quote from you living in a city post code under 30 years of age. Incidentally I had a drive, clean license, a few years NCB and have a professional job and the cars I wanted to insure were limited mileage. All the criteria but still silly quotes. Best of luck. Quote Link to comment Share on other sites More sharing options...
Fitz Posted January 26, 2011 Share Posted January 26, 2011 I tried to get a quote from Sky for my N/A when I was 21 (2 years No Claims on the Supra), held my license for 4 years by then. Unfortunately they were unable to quote me until I was 23, due to the postcode (SW London). You win some, you lose some Quote Link to comment Share on other sites More sharing options...
Safely Insured Posted January 26, 2011 Share Posted January 26, 2011 Karma will catch up with you anyhow - 2 reknowned members on here don't agree with you - and as we've both said we know many other members who agree with us on your service levels. I know the score and appreciate the partial honesty in your first response. It's plain as day nobody on here has posted in your defence that they have had a good quote from you living in a city post code under 30 years of age. Incidentally I had a drive, clean license, a few years NCB and have a professional job and the cars I wanted to insure were limited mileage. All the criteria but still silly quotes. Best of luck. Hi again, you are very welcome to PM me your details and I can give you the precise reason why we cannot help or are uncompetitive. If we can help a customer, we will. If no one is jumping to our defence, there isn't much I can do about it but I stand by what I say, I work very closely with the car club team and know exactly what and where we insure. If we were uncompetitive for (in your words) everyone under 35 in a city centre postcode I would simply agree with you so these people do not phone us and waste their time and then post negative feedback about us. I have disagreed with you becuase it isnt the case and we would encourage these members to contact us. Righto, I'm off to catch up on some my name is earl. Ollie Sky Insurance Quote Link to comment Share on other sites More sharing options...
supra_aero Posted January 26, 2011 Share Posted January 26, 2011 Hi again, you are very welcome to PM me your details and I can give you the precise reason why we cannot help or are uncompetitive. If we can help a customer, we will. If no one is jumping to our defence, there isn't much I can do about it but I stand by what I say, I work very closely with the car club team and know exactly what and where we insure. If we were uncompetitive for (in your words) everyone under 35 in a city centre postcode I would simply agree with you so these people do not phone us and waste their time and then post negative feedback about us. I have disagreed with you becuase it isnt the case and we would encourage these members to contact us. Righto, I'm off to catch up on some my name is earl. Ollie Sky Insurance That's not entirely true. You give silly quotes as you lose nothing as you have enough low risk drivers on your books. And if someone bites the bait in the city and pays for the silly quote you profit anyway. It's a win win situation for you. That is until people get wise to how you are screwing over city post code customers. I normally wouldn't care less, but the thing is you represent the club as an insurer and a vast majority of city club owners who are young lose out on having a good insurance quotes from the club's insurer due to your unfair risk assessment policy. I won't say anymore. I think the point is clear enough. Quote Link to comment Share on other sites More sharing options...
Safely Insured Posted January 26, 2011 Share Posted January 26, 2011 I tried to get a quote from Sky for my N/A when I was 21 (2 years No Claims on the Supra), held my license for 4 years by then. Unfortunately they were unable to quote me until I was 23, due to the postcode (SW London). You win some, you lose some On all SW postcodes the criteria is as follows: Off road parking Cat 1 alarm Comp cover 25 and over TPFT cover 23 or over 2 years NCB minimum Free from fault claims in last 12 months With your long term (and I assume claim free) ownership of the Supra we would look at this when you are 22 but only on a TPFT basis which I appreciate may not be ideal. Quote Link to comment Share on other sites More sharing options...
Safely Insured Posted January 26, 2011 Share Posted January 26, 2011 That's not entirely true. You give silly quotes as you lose nothing as you have enough low risk drivers on your books. And if someone bites the bait in the city and pays for the silly quote you profit anyway. It's a win win situation for you. That is until people get wise to how you are screwing over city post code customers. I normally wouldn't care less, but the thing is you represent the club as an insurer and a vast majority of city club owners who are young lose out on having a good insurance quotes from the club's insurer due to your unfair risk assessment policy. Actually it is very rare we will quote if someone does not meet our criteria, and for us it is a toss up between saying 'no quote' and quoting a figure which we know the customer will never take, it's a double edged sword for us but we tend to swap towards saying 'no quote'. We are not screwing anyone over, we are not forcing anyone to take a policy and 95% of customers do a lot of shopping around before they take a insurance policy with anyone, this statement is even more ridiculous than the last one. We are indeed the club insurer, we have been for a number of years now, in which time the typical type of Supra owner has changed significantly when the cars have only decreased in value, they are still high risk cars, high power and RWD, as I've said, we do not want some of these very high risk drivers, ultimately that is a business decision. And again, for the majority we are very competitive. For those we cannot help, all is not lost, we are not the only insurance company in the UK and there will always be other insurers out there for thoise that we cannot cater for. We are in a better position than most of these insurers though. Thanks Quote Link to comment Share on other sites More sharing options...
Matt H Posted January 26, 2011 Share Posted January 26, 2011 Who makes the rules though, Ollie? Sky are just a broker aren't they? The actual underwriters are the insurers - do they make the rules? Quote Link to comment Share on other sites More sharing options...
Safely Insured Posted January 26, 2011 Share Posted January 26, 2011 (edited) Who makes the rules though, Ollie? Sky are just a broker aren't they? The actual underwriters are the insurers - do they make the rules? Bit of a mix Matt, as a successful niche market broker with an excellent claims record we do have a lot of say but ultimately the decision of what risks to take on or decline lies with our underwriters. EDIT: and worth noting that NO UK insurer will take on every risk presented to them. Edited January 26, 2011 by SkyInsurance (see edit history) Quote Link to comment Share on other sites More sharing options...
NathWraith Posted January 26, 2011 Share Posted January 26, 2011 I rang sky about an MR2 raodster a few weeks back and they quoted 7K for TPFT! I am 20 but seriously even gocompare can beat that! Trying to get the best quote I can at the moment on a N/A manual. Quote Link to comment Share on other sites More sharing options...
Havard Posted January 26, 2011 Share Posted January 26, 2011 I rang sky about an MR2 raodster a few weeks back and they quoted 7K for TPFT! I am 20 but seriously even gocompare can beat that! I think that is the true definition of a "f*ck off" price..!! H. Quote Link to comment Share on other sites More sharing options...
Safely Insured Posted January 26, 2011 Share Posted January 26, 2011 Indeed, that is a screen rate and means you did not fit our criteria. Thank you for trying us though, we insure a hell of a lot of MR2s so it was worth a try. Quote Link to comment Share on other sites More sharing options...
Abz Posted January 26, 2011 Share Posted January 26, 2011 Re: sky insurance You've admitted in past threads that you do general cater for low risk customers. High risk policies are young drivers living in a big city such as London. I can give names of high poster members on here you have given silly quotes to who all fall into a London post code and are under 30. Most people don't post negative views as they don't want arguments. You gave me stupidly expensive quotes which were not at all competitive (effectively saying I am a high risk customer - try elsewhere) and were rude to me on the phone hence karma and I don't mind saying it how it is in a public forum when people ask for feedback on your service. Your posted response to me is wholly representative of your attitude. Aero I agree with you on this. I was with Sky for a year but last year the renewal bumped up a lot, when I insured with Sky the previous year I did so because although they were more expense I thought they would be better able to deal who specialise in the import industry. The renewal was a joke and unfortunately they weren't able get a better quote than last year due to a change in under writer. Like you said Aero, 25 (26 now) living in London with a clean license & 8 years NCB, when asked about my driving history I gave them a list of high powered cars which I own and also a number of exotica which I drive to help out my friend who owns a hire company. You would think with 8 years NCB & a clean license I'd be pretty low risk, though what put the spanner in the works in the end was my car was no longer on a drive but parked right side in a private pay to which they advised they no longer offer me a quote. Now this is nothing against you Ollie, as shown you do a fantastic job for Sky, just wish you guys would be more understanding to some of us folk who live in London (not even in a high crime area) and are under the age of 30. Quote Link to comment Share on other sites More sharing options...
mistertwo Posted January 26, 2011 Share Posted January 26, 2011 Well not at all but thanks for airing your view. You've probably heard a handful of people we cannot help moaning and have formed your opinion from that. Your opinion is wrong. It's an opinion, a belief, a thought formed in the subjective. It, by its very definition, cannot be wrong. Love the arrogance though. How are we losing out Matt? Why would you do that? - well you seem to jump on almost every Sky Insurance post going and stick your ore in And miss seeing you react the way you do? Fair play to him. Quote Link to comment Share on other sites More sharing options...
TopgunTT Posted January 26, 2011 Share Posted January 26, 2011 Did Sky really say Matt was sticking his ore in? That seems a bit harsh? Quote Link to comment Share on other sites More sharing options...
straightsix Posted January 26, 2011 Share Posted January 26, 2011 It's plain as day nobody on here has posted in your defence that they have had a good quote from you living in a city post code under 30 years of age. Because I've only just got in from work! My best quote was from Sky. My only bugbear is having to take out a 'loan' to pay by instalments but there are many other companies doing this. It stands to reason that sometimes drivers aren't going to meet the insurer's criteria and it all seems so unfair(!) - I have to explain this to a 19 year old that has to pay £2k to insure a diesel Peugeot 106 and there's members on here who drive a TT6 at the age of 20! We're out in the sticks and the car is garaged at night (kinda blows the inner city argument out of the water!) I came back to Sky as I was impressed from the last time I insured with them 3 years ago. It was great ringing up to get the quote on the new Supra and being told 'Welcome back Scott'. I'm not connected to Sky in any way but any extra discounts gratefully received! Quote Link to comment Share on other sites More sharing options...
Crazybassist Posted January 27, 2011 Share Posted January 27, 2011 Well I'm a Sky customer, and have to say I'm very happy with the service and price for my TT import. I'm 25, 7 years experience and 6 years no claims, live in the back of beyond, garaged, class 1 alarm/immobiliser. Generally low risk, so I pay £770 a year. Unfortunately I am currently serving a 3 month ban for speeding, so I dont think it's going to be that cheap when I renew in June. Any idea how much it should go up by? Quote Link to comment Share on other sites More sharing options...
Safely Insured Posted January 27, 2011 Share Posted January 27, 2011 Now this is nothing against you Ollie, as shown you do a fantastic job for Sky, just wish you guys would be more understanding to some of us folk who live in London (not even in a high crime area) and are under the age of 30. Thanks for the feedback and kind words. One of the main requirements we need in a lot of London postcodes in the facility for the car to be kept off the public road when parked at the home address overnight. There is a big difference in terms of insurance risk between this and keeping the car on a driveway or in a garage, the main risk is that the car will be stolen, crashed into when parked or vandalised. It would appear in this case that the only issue we have is where the car is parked overnight, not with the risk that you present as a driver. Quote Link to comment Share on other sites More sharing options...
Safely Insured Posted January 27, 2011 Share Posted January 27, 2011 It's an opinion, a belief, a thought formed in the subjective. It, by its very definition, cannot be wrong. Love the arrogance though. And miss seeing you react the way you do? Fair play to him. Thanks! As I've said, if I see something wrong, I will point it out. If there is a cause for discussion about us, rather than hide behind the scenes and hope it goes away like a lot of our competitors, we will answer and put our side accross. Quote Link to comment Share on other sites More sharing options...
Safely Insured Posted January 27, 2011 Share Posted January 27, 2011 Cheque is in the post Scott! Quote Link to comment Share on other sites More sharing options...
Safely Insured Posted January 27, 2011 Share Posted January 27, 2011 Well I'm a Sky customer, and have to say I'm very happy with the service and price for my TT import. I'm 25, 7 years experience and 6 years no claims, live in the back of beyond, garaged, class 1 alarm/immobiliser. Generally low risk, so I pay £770 a year. Unfortunately I am currently serving a 3 month ban for speeding, so I dont think it's going to be that cheap when I renew in June. Any idea how much it should go up by? If you PM me your details and details of the conviction codes and ban I will check this out for you. Thanks Quote Link to comment Share on other sites More sharing options...
Matt H Posted January 27, 2011 Share Posted January 27, 2011 Unfortunately I am currently serving a 3 month ban for speeding Tell me where to go if you want, but how fast were you going to get a 3 month ban? Quote Link to comment Share on other sites More sharing options...
Crazybassist Posted January 27, 2011 Share Posted January 27, 2011 106 in a 60. I think I got off quite lightly seeing as the original charge was dangerous driving, lawyer got it down to just speeding Quote Link to comment Share on other sites More sharing options...
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