Interesting Insurance experience.
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Thread: Interesting Insurance experience.

  1. #1
    Saabisti
    Join Date
    Nov 2007
    Location
    Eastleigh
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    106

    Interesting Insurance experience.

    Hi Guys,

    I have just bought a 9-3 Aero and obviously i had to do all of the usual phoning around
    and playing one against another.... you know how it goes?!

    I ended up getting a good quote from Aviva, but along the way i tried the Co-op
    insurance service.

    After all of the normal questions regarding me and my history i was asked "what make of
    car is it you are looking to insure"? "Saab", says i....

    "Oh, we don't insure saabs" says the girlie who sounded as she would prefer to be doing
    her nails rather than be on the phone to me. "why not" i said, almost incredulously...

    "It's because they have gone under, and we find getting spares and doing repairs far
    to awkward, now". I just muttered about that being a complete load of bull and hung up!

    I wonder.... has anybody else encountered this nonsense whilst searching for insurance??

    I have to say i had absolutely no hesitation in buying this '57 plate car, none whatsoever!!

    Trev

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  3. #2

    Re: Interesting Insurance experience.

    No, insured my 9-3 Aero 2.0l with no problems whatsoever around 8 weeks ago. Funnily enough Aviva where almost twice the price that my broker got. I phoned around just to make sure i was getting a good deal.

  4. #3
    Super Moderator aerojon's Avatar
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    Nov 2009
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    Cheshire.Uk
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    Re: Interesting Insurance experience.

    spares is now up & running,spares side was a seperate company to the car factory..

    might ring them up see what they say to me..

    i've had no letters from my insurance co about not insuring me(not yet anyway..lol)

  5. #4
    Saabisti
    Join Date
    Nov 2007
    Location
    Eastleigh
    Posts
    106

    Re: Interesting Insurance experience.

    Hey Jon,

    I wouldn't expect you to get any letters to be honest!

    I reckon it is just a knee jerk reaction by a very stupid ins. company
    just doing a whole load of "back covering" because they see their existence
    as something we should bow and scrape to and jump through all of their hoops!

    Trust me, i phoned around for England and must have rung about 15 companies
    and aside from the odd.. "Christ... how much"???!!! not one other mentioned this silly
    rule to me.

    Slightly deviating, ( i have just turned 50 with everything good) the worst quote was
    an Irish outfit who wanted to fleece me out of, wait for it...... 1900! What a bunch
    of T*ssers!!!

    I'd be interested to see what the Co-op did say to you, actually Jon, if you were to
    phone them?

    Trev

  6. #5

    Re: Interesting Insurance experience.

    You PHONED around for insurance?? I used to do that, back in the 1990's... 10-15 mins per quote. Surely you could have gone online and got the quotes in a quarter of the time?

  7. #6
    Saabisti
    Join Date
    Nov 2007
    Location
    Eastleigh
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    106

    Re: Interesting Insurance experience.

    Jezz1

    You are quick to make a judgement for an attempt at humour.


    I highlighted this instance with the Co-op to make people aware of what i found and what i will say (although i really should not have to explain myself) is that i have a situation where i HAVE to explain a couple of things to an actual person, whereas an online form would have no provision for this issue!

    OK?

  8. #7
    Saabisti
    Join Date
    Dec 2011
    Location
    woking, surrey
    Posts
    209

    Re: Interesting Insurance experience.

    All i can say is if the co-op dont do saab insurance, whats going to happen when one of their clients hits a Saab and does repairable dammage, does this mean they will right the car off due to non availability of parts even if the dammage is minor. very strange indeed!!

  9. #8

    Re: Interesting Insurance experience.

    Just had mine repaired new drivers door after some prick who cant drive decided to park in the bay next to it. No issues getting a new door none whatsover. 93 on a 09 plate. Think I will phone the Coop up and get a quote on a Delorian !
    Bolton lad living on the South Coast

    Saab 93 1.9 Tid Cabriolet 09 Plate

  10. #9

    Re: Interesting Insurance experience.

    I had a whole new rear quarter fitted on my 05 93 SS in Feb without problems apart from with the crappy garage namely Rye Street Coach works who not only are crap at repairing they have no care in the world for the car briefly -
    Black hand prints all over the cream trim
    trims not clipped in properly
    over sprayed on the boot lid
    damaged the boot lid
    marked the black plastic on the pillar
    light fitted now has condensation
    bumper does not line up
    damaged window seal on rear window
    brake light and trim cover fell off the other day where it was not clipped in properly
    used up all my fuel
    paid extra to have the wheels refurbed, came back with 3 gloss and 1 matte
    Scratched the front arch walking past with tools or something
    There was a lot more too

    They had a second bodge at it for ease with the insurance and still the work is pants now it is going to the garage I had requested all along to have over 2k's worth of rectifcation AVOID them at all cost.

    This was also down to the insurance company DIAMOND who authorised a repair despite asking from day one do not repair it anywhere except chosen repairer.

    The insurance company is the biggest heap of $hit money can buy the premium is just under 2500 and the company is very quick to point blame at it's own customer!!! Despite being stationary in traffic and hit from the rear by a lorry yet somehow I am at fault because it was where I had joined the motorway from the slip road which I can agree with but if I had joined and was stationary then hit from the rear how can I be liable?

    The third party even had the cheek to try and say I had pulled across which is why the front of the lorry was pulled forward when in actual fact when the lorry was stuck in the car I had to pull forward to get clear of the motorway which then it was pulled forward.

    Currently an ongoing battle, had to fork out 600 excess too!!!

  11. #10

    Re: Interesting Insurance experience.

    Quote Originally Posted by landyacht View Post
    Jezz1

    You are quick to make a judgement for an attempt at humour.


    I highlighted this instance with the Co-op to make people aware of what i found and what i will say (although i really should not have to explain myself) is that i have a situation where i HAVE to explain a couple of things to an actual person, whereas an online form would have no provision for this issue!

    OK?
    Ah, I get the picture (pram, surrounded by toys all over the floor.....)

  12. #11

    Re: Interesting Insurance experience.

    Hi Trev,

    I find this sooo interesting. Insurance is a service. We have to legally have it, however the industry is still a service provider.

    I do not understand if the company does not want to insure you (and to be frank your money is better spent elsewhere if that is the attitude),The Saab owners club have an insuraence comapny specifically for Saabs. I would try them. Just because the manufacturer are not in business (hopefully for the time being only) does not mean that a policy to insure a client should not be sold! Silly them and great for business NOT! they need to do their research as saab parts are still guarenteed for many years. It is just the manufacturing side that are not here.

    Saab parts are more avialable than ever. There is a contract in place for availabilty for quite a few years. Buy with confidence and if you ever have to deal with another 17 year old, non willing, lazy, mum pays for everyting anyway 'i deserve it all on my plate; teenager again, then that insurance company took too many cost cuts for you to want to buy their policy from anyway.

    happy Saabing for as many years as they come!

  13. #12
    Saabisti
    Join Date
    Nov 2007
    Location
    Eastleigh
    Posts
    106

    Re: Interesting Insurance experience.

    Hi,

    and you are certainly reading from the same page as myself, Saabtech!

    I do now own the 9-3 Aero and like i said before.... i have no concerns
    at all about owning one as far as the "gone under" thing is concerned.

    It was not a case of the Co-op not wanting to insure me personally, it was them
    baulking at the fact it was a Saab!?

    I have to say your description of the "sales person" who i was speaking
    to sounds so accurate it's scary!!

    And just going back to the phoning over online methods for obtaining a quote,
    i will repeat..... I have a couple of things i have to explain about and online
    box ticking simply DOES NOT cater for these issues. To perhaps highlight
    another benefit of phoning, let me run this by you.

    When i travelled up by train to buy the car i had a quote given to me by
    Aviva (prepared a couple of days previous, on the phone) and it was pretty
    competitive. The day before i went to buy i did some more phoning around
    and was given a virtually identical quote by another firm, so i ring Aviva again
    and ask if they can improve any more. After a bit of button pushing they came
    back with 20 less... nice one. So this quote was now in place for me to initiate at the sellers
    home (by phone) once i was happy and the car was bought!

    When i rang Aviva to complete and begin the policy i said "while were here can you
    have a quick look to see if you can do anything to improve it any"? "Ok" she say says
    and after a few minitues.... i have ANOTHER 20 knocked off. My point is pretty
    obvious here. I ended up with 40 taken off of what was already a good quote and i
    am certain that this is not possible by the box ticking route. Online form filling doesn't
    have a box for "if you don't ask, then you don't get"! So long as you can set aside a
    little while for what may be for some... "old school" methods, then you really can benefit and
    so long as you use http://www.saynoto0870.com/search.php for any numbers that
    are not free then it is all at no cost.

    It's not my first Saab and i plan on keeping this one for a good long time so good to be here!

    Trev

  14. #13

    Re: Interesting Insurance experience.

    40 would not make a dent on mine would need to be more like a 600 discount and even then it would still be over double what you guys pay.

    Oh the joys of being young.

    Completely agree with you though I work with a guy who did the online route took a plane to Scotland to buy the car and when ringing up the company they said no its coming out at 4000 yet prior to this it was around 1500 stuck in Scotland unable to insure the car he was very lucky in this instance as he has another car which he managed to get a multi car policy and this was by ringing around.

  15. #14
    Super Moderator haloweenhamster's Avatar
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    Birmingham / Northampton
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    Re: Interesting Insurance experience.

    26 & I'm still paying 900 for a 1.8i although not as bad as the 1600 last year but that's just a 5min online price

  16. #15
    Saab Newbie
    Join Date
    Mar 2003
    Location
    UK
    Posts
    18

    Re: Interesting Insurance experience.

    The thing to do is get the best quote on line then phone them afterwards for a better price. I did just that, 58 yrs old, SAAB 9-5 Aero (05 model) fully comp / business use/ 15k per year / max NCD, under 400.... (Liverpool Victoria LVE)

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