MIGClub Insurance Scheme with Chris Knott Insurance

[Grim Reaper]

open to members and users alike, so you tight arse blue fonters can use it too!

excelent lmao

[Frisco]

None option works now didn't earlier on

[vaux24v]

are engine conversions etc covered?

[Grim Reaper]

are engine conversions etc covered?

i assume so...i mean how many miggers have cars that dont have an engine conversion??

[cambridge]

dont expect next years policy to be a great deal
I insured with CK a while back on a club deal policy and when renewal time came they were a good dose more expensive

SORRY - JUST SEEN THIS - PREMIUMS ONLY INCREASE IN THIS WAY IF YOU HAVE DONE AN AMENDMENT TO WARRANT THE INCREASE, OR MAYBE LOST NCB DUE TO A CLAIM.
PREMIUMS GENERALLY DON'T INCREASE AT RENEWAL. IF THEY DID, IT WOULD BE POINTLESS BEING INVOLVED IN OVER 150 CLUBS.

OUR RENEWAL RETENTION AVERAGES 80% OR MORE EACH YEAR SHOWING THIS TO BE THE CASE.
TIM@CHRISKNOTT

[ChrisKnottIns]

likewise

quick query though...do u do agreed valued insurances and if so what is the annually mileage on this?
cheers

Yes but generally on non-modified cars. There isn't a limited mileage!

[ChrisKnottIns]

How competitive is this company?

As an example, we made an average recorded saving of 15.5% OFF our new customers best quotes last year!

[ChrisKnottIns]

I'll probably give them a call and see what they say. Do you deal with LPG cars as well?

Yes!

[ChrisKnottIns]

are engine conversions etc covered?

Yes, no problem.

[Murray]

So i'll be fine when I phone you lot wanting to put down for 5-stud, bigger brakes, 30mm lower and 17's?

Which will be in the near future .

[ChrisKnottIns]

So i'll be fine when I phone you lot wanting to put down for 5-stud, bigger brakes, 30mm lower and 17's?

Which will be in the near future .

Yes!

[joby4x4power]

sounds good mate!

ill be in touch soon.

J

[Grim Reaper]

do you deal with more than vaux yes??? please say yes lmao

[Dexy]

do you deal with more than vaux yes??? please say yes lmao

Id hope so. lmao

[novaguy08]

Tim do ya get a discount on 2 cars being covered by the same policy (eg something like an admiral multicar thingy!)

[ChrisKnottIns]

do you deal with more than vaux yes??? please say yes lmao

Yes! Most cars are covered.

[ChrisKnottIns]

Tim do ya get a discount on 2 cars being covered by the same policy (eg something like an admiral multicar thingy!)

No, we'd have to insure them separately but that would not be a problem in terms of competing price-wise.

[maldred]

why is it not competitive for 'SK' postcodes? i would of got a quote as my renewal was due this week but I didnt bother because you put that.

[ChrisKnottIns]

why is it not competitive for 'SK' postcodes? i would of got a quote as my renewal was due this week but I didnt bother because you put that.

Unfortunately it's all to do with claims statistics.

An inordinately high number of claims come from these postcodes, simple as that. It's not a case of a few points higher but a much greater percentage than the norm.
The insurers did actually tinker with individual postcodes but it didn't work sadly. I suppose 'once bitten, twice shy'.

The scheme would just not exist if the insurers included these postcodes because of the losses that these have historically caused.

[sbd16vastra]

what a waste of 6 mins of my life that was

they will not cover cars with stripped interiors, roll cages, harnesses they will only give agreed value on standard cars not on modified ones, they will cover mods individually but if your car gets stollen as a whole there not covered.

just thought id save most miggers a phone call

[ChrisKnottIns]

what a waste of 6 mins of my life that was

they will not cover cars with stripped interiors, roll cages, harnesses they will only give agreed value on standard cars not on modified ones, they will cover mods individually but if your car gets stollen as a whole there not covered.

just thought id save most miggers a phone call

You are not fully correct.
It's true we don't cover cages or Agreed Value on heavily modified cars but we will offer Agreed Value on low mileage per annum, slightly modded cars.

Re your final point, I have pasted the explanation about total loss claims for modified cars from the Claims Manager at the nsurance company which I trust will satisfy everyone -

When calculating a total loss settlement on a modified vehicle we simply offer the market value and make a positive or negative allowance for the mods. Similar to a standard calculation we would :

• Cross check Glass's guide to the standard spec - allowing for mileage
• Take into consideration service history,number of owners any pre existing cosmetic damage (if known)
• Cross check Auto trader for any similar modified examples.
• Pitch a value that reflects desiribilty in mind of fitted body kit,alloy wheels,engine changes and cosmetic changes to interior,exterior fittings and paint.
• We would not simply calculate quantum by taking the retail adjusted figure and add the total expenditure of Modifications in line with receipts.

Each car is different so the logical approach is to view each vehicle on its merits. On difficult cases the claims department seeks advice via a qualified engineer (field or inhouse) before committing to offer. It often proves very difficult to agree to settle on such cases and as a result modified vehicles tend to be settled by experienced and technical adjusters

I hope this information helps in some way.

[Dom]

Well I must say that the fact that Tim has come on and answered every post/question promptly gives me some confidence in his companys customer service.

[ChrisKnottIns]

Well I must say that the fact that Tim has come on and answered every post/question promptly gives me some confidence in his companys customer service.

Thanks Dom.
Personally, i'm a great believer in good customer service and I think that comes from the ethos of Chris Knott Insurance borne out of working there for 20+ years! This is not really a praise just an honest truth. We have a good friendly staff and I trust you will see this. (I see so much bad customer service in domestic life).
And I'm always at the end of a pm if you have any personal insurance queries!

[novaguy08]

So your saying that you base your claims on the market value of a heavily modified vehicle? Via the autotrader & glases

[Adam]

what a waste of 6 mins of my life that was

they will not cover cars with stripped interiors, roll cages, harnesses they will only give agreed value on standard cars not on modified ones, they will cover mods individually but if your car gets stollen as a whole there not covered.

just thought id save most miggers a phone call

lmao guess thhat answered my question too cheers sbd lmao