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Discussion Starter · #1 ·
Hey people,
I got my insurance through Sky last year and was very happy with their service......................UNTIL NOW!!!!
Basically a nice guy called Luke got me a decent quote and I decided to go through Sky instead of A-plan because they seemed good. I was told that my premium would not increase even if I had any mods done to my car.
Once I had done my basic Stage 1 mods I decided to inform Chaucer (the insurer through Sky)........now I get a call by Sky saying that I need to pay an extra £115 for 3 months!!!!! I told them that I was informed that any mods that I was intending to do would be covered within the same policy......they said that they will go through the telephone convos that I had with Luke and get back to me......They called me about 1 hr ago and are saying that they can not trace any evidence of what I am saying!!!!! GRRRR peeing me off major!!!
Has this happend to anyone else?
Thanks people
 

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The Cunning Linguist
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13,826 Posts
Sorry bud but I find it hard to believe any company would allow you to modify your car without adding something to your policy. If I decided to take the GTT up to 400bhp with and extra god knows how much money thrown on it you can damn sure I'd have Dan on the phone asking for my first born child!!
 

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Discussion Starter · #3 ·
lol i know what you mean, but under FSA rules you can not mislead. But I will contact the FSA about this and take it further...... I will probably contact A-plan for a new policy and never recommend Sky again!!!
 

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Teck Boy
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280 Posts
When I got my renewal quote from aplan they missed a load of modes I had said the prevoius year. They added then all back on this no extra cost in the quote. Mayhave been because it was there mistake I guess.
 

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Super Moderator
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I doubt what he told you was correct, there is no way you can have unlimited mods and it not affect your premium.

Who did you speak to at Sky other than Luke?
 

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Seasoned member
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I gave up on Sky insurance a long time back when they were the mk4supra.net recommended insurer. They argued with me over the phone that there was no such thing as a UK spec supra and it was 100% an import. I hung up at that point on the so called specialists. I then insured it with Groupama who said that it didnt matter what mods i added as i had so many anyway, they deemed it as a kitcar :D I hope thats the same now as that is who [email protected] has insured me with ;)
 

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516ATF and RWD......Nutter!!
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1,685 Posts
When I went from 270 to nearly 400 I didn't have to pay a penny extra in the middle of the term.

Seems bloody harsh to me.
Can you request a copy of your telephone calls they do have?
 

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Can only say that I had the supra mkIII insured with sky

They told me that I could increase the stock engine output by 10 percent and add up to 1500 quid of cosmetics ie body kit alloy wheels ect ect without cost.

But this was 3 years ago
 

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Discussion Starter · #9 ·
i will request the telephone convos if they are not going to sort it out. The bhp output is about 300 ish, so not a huge incremant and the cosmetic changes are a front bumper and side skirts. It seems that as a whole I would have to pay about £460 extra for the year!!! this sounds a bit much as the amount that i am paying now is about £650 ish.....lets see what they come up with
 

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This is classic insurance boobery when it comes to mods and the like most of the time if you dont ask all the relevant questions to the broker they will normally spout you rubbish to keep you so you take the insurance with them.

it wouldn`t suprise me if your telephone conversation will disappear due to maintenance or clean up of records. Just like in the movies.......
 

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Seasoned Member
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21,588 Posts
this is the reason we have A-Plan trading here, Dan comes to our meets and attends to each and every member here personally, so we always have a point of contact, go to Dan guys, they are trustworthy enough for me which is why i have them here....keith
 

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Tyne/Wear/Tees Arse Rep/Gtr Shop Rep
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i was insured through chaucer and there sh*t, i went with a trade policy had 4 cars at the time including my R33, i changed to the R34 and they phoned me wanting £900 extra.

They were sharp cancelled :rofl:
 

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Premium Member
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Interesting one this..

If you do add extra mods to your car and it increases the BHP or the value of the vehicle, then the underwriters will charge extra to cover the extra risk.

At A-Plan we do have a couple of exclusive schemes and currently chatting to a few top underwriters to continue giving you guys the service you deserve.

As I appreciate the amount of business I get from you guys, I never add high admin charges and will always take the time to chat to the underwriters and do my best to negotiate a good deal.

By taking the time to talk to you guys and the underwriters I can usually get good deals for you, but also protect the interest of the underwriters and make sure they get the premiums and excess that reflect you as a driver.

AnthonyR, give me a call when your policy is due and you will be well looked after.

Regards

Dan
A-Plan
0845-0711234
 

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Random Sarcasm Generator
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1,872 Posts
I don't think Sky are too good with younger drivers with anything that is RWD as with the Teg they were no problems and they gave ok quotes but I was always able to beat them when talking to others and with the R34 they couldn't cover me. Which is better than one insurer who just hung up on me.
 

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Discussion Starter · #17 ·
Thanks Dan, I sure will call you sometime soon about a quote for me. The thing is iv not done a whole lot to the car, just the front bumper, side skirts, induction filter, cat back system, and boost controller. Still running less than 300bhp. i am trying to get a refund on the remainder of my policy, if i can get it back pro-rata i will be in touch with you.
Regards
 

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Discussion Starter · #18 ·
Well Iv spoken to Ollie (he is the point of contact as a trader through SOC) and I am having no joy. Just reported it to the FOS and they are dealing with it. The problem that I am having is that they are saying that they can not give me a pro-rata refund, as I had given them info on a possible claim (it was only for information purposes only). Me being honest has messed me up!!!! That teaches me right!!!! Now do I pay this extra premium, I guess I have to as my policy is not invalid!!!!
 

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Administrator
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Interesting one this..

If you do add extra mods to your car and it increases the BHP or the value of the vehicle, then the underwriters will charge extra to cover the extra risk.

At A-Plan we do have a couple of exclusive schemes and currently chatting to a few top underwriters to continue giving you guys the service you deserve.

As I appreciate the amount of business I get from you guys, I never add high admin charges and will always take the time to chat to the underwriters and do my best to negotiate a good deal.

By taking the time to talk to you guys and the underwriters I can usually get good deals for you, but also protect the interest of the underwriters and make sure they get the premiums and excess that reflect you as a driver.

AnthonyR, give me a call when your policy is due and you will be well looked after.

Regards

Dan
A-Plan
0845-0711234
by the way cheers for amending my policy mate :cheers:

and its always been the way that if you make the car more powerful it will affect your premium but on my rover i was insured with another company and i was allowed to modify the body any way i wanted without notifieing them and not be charged for it as on the policy it stated "unspecified body modifications" gives a lot of leeway that did.
 
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