 | Home > Puma (Tdci) > Another Puma Insurance issue-Direct Line don't like Snorkels |
 
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| Bluest Member Since: 23 Apr 2016 Location: Lancashire Posts: 3997   
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I’d say first port of call should be A Plan. Snorkel and all sorts of other mods made not much difference. Important to me, they are pleasant to deal with. I’ve never claimed so can’t comment on that side of things.
By the same token, I wouldn’t deal with Adrian Flux again even if they were paying me. Odious staff. 2007 110 TDCi Station Wagon XS Last edited by Bluest on 4th Jan 2021 9:20pm. Edited 1 time in total |
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4th Jan 2021 8:59pm |
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| kenzle8a Member Since: 12 Feb 2020 Location: None Posts: 1074 
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I’m with NFU, they were great with all the mods and mine is covered for business and off road use etc.
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4th Jan 2021 9:07pm |
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| jimbo55 Member Since: 15 Jul 2020 Location: Midlands Posts: 385
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I’m with NFU as well, not necessarily the cheapest but all mods declared including performance related items no issues. Only thing they questioned was the diff lockers as they didn’t know what they were.
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4th Jan 2021 9:42pm |
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| Leamreject Member Since: 19 Dec 2020 Location: Middle Earth - Leamington Spa Posts: 954  
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Problem Insurance Brokers..... I had problems with Carole Nash, last March when they auto renewed my policy after I notified them that I had sold a vehicle on a multi vehicle policy, and I also advised them that I didn’t want to proceed with the renewal on the remaining vehicle. They completely ignored the instruction and auto renewed it.....
They refused to refund me saying that because the policy had two vehicles on, it was cheaper to include a vehicle I didn’t own on the policy rather than just the one I did, and because I hadn’t taken any policy out with another company on my remaining sorn vehicle I’d unknowingly had the benefit of insurance cover. How crazy is that! After listening to many transcripts the insurance ombudsman and Norwich Union soon told them the errors their ways. But I still had a fight to get my money out of them to the extent that Norwich Union refunded me directly. When I did eventually get a partial refund Norwich Union allowed me to keep it as a goodwill gesture. Ride like you stole it!! If I’m not on a bike it’s because only a 4x4 will do… 2011 2.4 Puma 90 HT |
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4th Jan 2021 10:04pm |
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| Joe the Plumber Member Since: 18 Dec 2013 Location: Midlands Posts: 907 
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I'm with A Plan and they had no problem with all my mods, including the BAS remap and intercooler. Performance increases seemed fairly hard to get cover for with the usual big names.
I wonder if fitting a snorkel makes the underwriter think you intend to drive it in deep water? I can imagine that would get them excited. |
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4th Jan 2021 10:31pm |
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| SJM2018 Member Since: 06 Jul 2018 Location: Bristol Posts: 296 
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I’ve had really good experiences with A Plan too. Decent staff and good cover - they gave me 1000 of business miles for free, should I need to use the truck for work (I normally rent a little
 box if I have to drive anywhere for work). 2011 CSW XS 90 |
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5th Jan 2021 10:44am |
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| swt Member Since: 24 Aug 2018 Location: Cumbria Posts: 149 
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+1 for A Plan. They take all mods in their stride and have improved the deals we had on our other vehicles too.
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5th Jan 2021 10:49am |
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| bankz5152 Member Since: 02 Feb 2017 Location: South London/North Kent Posts: 2068 
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Direct line are useless. Referred to a half cage on my old 90 as bumpers on the roof. Also couldnt understand what spotlights where.... Instagram @defender_ventures
Empire Tuning - Agent |
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5th Jan 2021 11:08am |
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| blackwolf Member Since: 03 Nov 2009 Location: South West England Posts: 16862 
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I'm sure that others on this forum have reported the Direct Line/RAI problem before.
It is hard to understand why it should be an issue, but presumably the underwriter has some statistics to suggest that having an RAI makes the driver a bad risk. |
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5th Jan 2021 12:31pm |
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| roche1800 Member Since: 07 Apr 2020 Location: derbyshire Posts: 239 |
I am with the NFU!
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10th Jan 2021 3:08pm |
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| markb110 Member Since: 22 May 2010 Location: Guildford Posts: 2520  
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When i used to work as an account manager on the commercial side for a French Insurance company i got to see a number of those 'call centre' style of brokers.
First thing to note compared to a traditional high street style of broker is the shear size and number of people working there, the second is the ages of those working on the phones, school leavers to 25 year old on average. As such it is a transient job market (or was at the time). As such these call centres use their own quotation systems, approved by the Insurance companies, that allow the operator to ask questions and enter the answer - this means there is no room for anything outside of the box. Within the call centres there are a number of teams with a team leader sitting close. They would have two screens, one with the annual sales target, broken down to monthly, daily, hourly and by individual. The second screen is so the team leader can dial in to an individual phone and computer to see what they are doing, and give ongoing help / training. The team leaders and call handlers would not be expected to do the insurance exams - the quotation system signed off by the insurance companies is deemed to be sufficient (you dont have to pay the staff as much either) As these call centres generally work with the Insurance companies on a three year profit / loss basis the further into a deal the lower the commissions due to claims pay outs. Not unusual for a call centre to move the entire book of business to another Insurance Company to give both an increase in earnings and a sales hit for the IC. Lower commissions means that the call centre wants as little to do with the client as possible, time is money (hence some charge an admin fee). so to answer your question i very much doubt if the question regarding the raised air intake ever got to the qualified underwriter for the chosen Insurance Company. And certainly they would not have phoned round other Insurance companies either. The 'Team Leader' would rather the call handler answers calls and takes credit card numbers. Direct Line, when i was a little more involved only use one Insurance Company and that was New India who eventually dropped them due to losses, no idea who they use these days. Online is even worse as those sorting out their insurance may not always know the consequences of how they answer questions. For example when online quoting was just starting one Insurance i knew could see when the user had pressed back from the original quote, changed this, changed that and then paid the new premium. The system allows the quote and the paperwork but in the event of a claim the Insurance company would use that to investigate the claim further. The other example are the disclaimer questions at the beginning of a quotation. answer any yes and you cannot go further, so some people answer no to at least get a quotation and a cover note. Back in the early days of Dictaphones and a typing pool working at a brokers we were told not to quote car insurance for Nigerians living in London, driving Peugot 405's doing excessive annual mileage. They would take the paper cover note, not pay the remaining premiums then remove the ink by putting battery acid on it then rewriting the cover note dates..... Ive used the NFU for over twenty years now, i just wouldn't ever use a call centre or online quotation system. Sorry for the long winded reply but the above was my observations at the time and the Little Britain 'Computer Says Noooo' sketch runs true here as these companies are designed for fast call turnarounds with a credit card as the preferred outcome. Anything out of the ordinary or causes work is not wanted. |
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10th Jan 2021 5:55pm |
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