insurance

[3 LIONS]

Bit of a long tale, but about insurance

Firstly I would like to say thankyou to Vince for fitting a Lexus engine in my Surf, he does a great job.Top man.
Here is a little story about insuring my Surf.
Back in the early 2009 I had a bash after skidding on snow that had fallen on a frozen srteam that ran accross the road, at the same time a Scooby Imp was coming the other way and the Surf just demolished it(no one was hurt,thank god). insurance company's were exchanged and I had to hold up my hands and say I was at fault. At the time I was insured with Groupama, fully comp as surf was import ? so what. This was the first ever claim against me in 30 years of driving, I had opted for the NCD protection extra when I had insured the surf so I thought that in no way would my NCD be affected.Wrong..
Groupama first told me to bring the surf in for a repair quote as it was fully comp, great I thought, they then told me that the cost of the repair to the surf was more than what the vehicle was worth and they were writing the vehicle off. I went balistic, they said the surf was worth 900 quid and the repairs were going to cost 1300 quid and they would give me 600 quid to repair it or it would be classed as scrapped. To rub salt into the wound they then quoted me over 700quid to renew the insurance with them as I had lost all my NCD. Woh a min, I have paid for NCD protection, yes sir but we retain the right to cancel the NCD protection at any time in the first 4 years of insuring with us, and sure enough it was there in tiny letters in one of the paragraphs of the policy.
So long and short of it, if your vehicle's worth is less than say £3000 avoid fully comp and make sure to read the whole policy, I got complacent over the years having had no claims against me,now I'm in the same price bracket as the 17 year old chavs in their loud hatches.
Was with Adrian Flux last year (they were the cheapest tpft) and informed them of poss engine change to LS400, they said no increase in price?
I fixed the surf for under 100 quid,£32 for front drivers wing,some grey primer,a front indicator/side light assembly and I chained the bumper up to my MK2 transit and yanked it straight.And it's was MOT'd after,
Can't wait to hear the LS engine through 2 spintech mufflers.

[che2318]

lol, they just love their small print dont they!

paying for NCB protection but then having it stripped away because they wrote in small print that they can if they want, is utter c**tish.


i generally read the small print but there is sometimes so much of it that it takes forever.
your eyes end up like this...

[BUSHWHACKER]

Firstly I would like to say thankyou to Vince for fitting a Lexus engine in my Surf, he does a great job.Top man.
Here is a little story about insuring my Surf.
Back in the early 2009 I had a bash after skidding on snow that had fallen on a frozen srteam that ran accross the road, at the same time a Scooby Imp was coming the other way and the Surf just demolished it(no one was hurt,thank god). insurance company's were exchanged and I had to hold up my hands and say I was at fault. At the time I was insured with Groupama, fully comp as surf was import ? so what. This was the first ever claim against me in 30 years of driving, I had opted for the NCD protection extra when I had insured the surf so I thought that in no way would my NCD be affected.Wrong..
Groupama first told me to bring the surf in for a repair quote as it was fully comp, great I thought, they then told me that the cost of the repair to the surf was more than what the vehicle was worth and they were writing the vehicle off. I went balistic, they said the surf was worth 900 quid and the repairs were going to cost 1300 quid and they would give me 600 quid to repair it or it would be classed as scrapped. To rub salt into the wound they then quoted me over 700quid to renew the insurance with them as I had lost all my NCD. Woh a min, I have paid for NCD protection, yes sir but we retain the right to cancel the NCD protection at any time in the first 4 years of insuring with us, and sure enough it was there in tiny letters in one of the paragraphs of the policy.
So long and short of it, if your vehicle's worth is less than say £3000 avoid fully comp and make sure to read the whole policy, I got complacent over the years having had no claims against me,now I'm in the same price bracket as the 17 year old chavs in their loud hatches.
Was with Adrian Flux last year (they were the cheapest tpft) and informed them of poss engine change to LS400, they said no increase in price?
I fixed the surf for under 100 quid,£32 for front drivers wing,some grey primer,a front indicator/side light assembly and I chained the bumper up to my MK2 transit and yanked it straight.And it's was MOT'd after,
Can't wait to hear the LS engine through 2 spintech mufflers.

Simon, did you get the tracking looked at after the repairs? Could be the main reason why that tyre is worn unevenly.

[JamesG]

Financial services just take the pi$$ and I don't believe for one minute its down to uninsured drivers, theft or accident, government, cops and these companies are recouping the national debt at our expense as usual. This country is $hit and getting worse by the second. H

It's not and don't let them tell you otherwise! We came back from New Zealand last year and I was paying £30 a month for fully comp, 2 drivers and 0 NCB. (Albeit on a Mondeo) This also included my house insurance.

This is in a country that has over 75% uninsured drivers.

[Cooler]

i went on confused.com and everyone wanted around 300 pound fully comp, then right at the top was a quote for 180quid. 200 if i pay monthly and include greenlane and some basic offroad cover. i will dig out who it is and post them on tomorrow

[John h]

SKY Insurance Fully comp inc 3K business miles £325 ! cheaper than last year ! insured through Chaucer, the Guy said they were getting a lot of calls from Surf owners !! I wonder why ? Wake up Mr Flux !

[3 LIONS]

Yes Vince, I had the tracking checked only about 2 months before the 2.4 engine gave up, had it done at a tyre&exhaust place, they said it was spot on. Someone said it was most likely the camber that had altered through using larger than stock wheels&tyres ?, though looking at most of the truck's on the forum my set up is almost conservative. There are so many theories and advise as to why the D.side tyre has worn like that. There was a thread on here about camber and where to get it checked as most tyre places dont have a machine to do it ?.