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Discussion Starter · #1 ·
Why you should request a CK quote this Autumn...

Hi, if you were thinking about using a club sponsor for your car insurance but weren't quite sure whether it would be worth it (whether we can compete) you might be interested in 2 things about Chris Knott...


1. Personal service and attention coupled with competitive quotes.
Chris Knott recognises that our car insurance quotes have to be competitive in order to win your custom. As we only work with car enthusiasts/club members we have access to insurer schemes that aren't available on comparison sites and the like. The result is a better policy sign-up rate for us and that's obviously down to you experiencing our personal broker service and liking our quotes.


2. Our Awesome Autumn Draw.
As has become customary in the run-up to Christmas, we have a competition running to encourage you to pick up the phone for a quote if your renewal is due in the coming weeks.


PRIZE: WIN a £250 AMAZON VOUCHER in time for Christmas.


How to enter: Simply request a Chris Knott Car Insurance quote between now and close of play on 30th November* for your chance to win. We'll automatically add you to the draw so there's nothing else for you to do but call us for your car quote - nice and simple.


QUOTELINE: 0800 917 2274 - please make sure you mention this forum to access our special scheme.


ONLINE: you can leave contact details at https://www.chrisknott.co.uk/CarQuote/?ref=AwesomeAutumn


We'll make the draw on Friday 1st December so you can choose to either keep the voucher for yourself or there'll still be time to use it to sort your Christmas gifts to others.


All the best,
Nick


PS. The draw is also open to existing Chris Knott clients due for renewal in the same period.




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More encouragement for you to call us - what others have said about us in recent days:


"A huge thank you from me and my husband for getting so much money off our car insurance! I am seriously impressed and extremely grateful. Please send a copy of this email to your manager so that they know what a great job you have done! Have a great weekend." Mary D, Surecar


"Thanks for beating my quote, giving me better cover and nearly doubling my mileage (allowance), including covering like for like mods. Happy man." Craig, New Mini Scotland


"This is my third year with @ChrisKnottIns and every year they beat all my other quotes for both cars that are modded. Many thanks again and keep up the good work and the prices down!" carlcall, Audi-Sport forum


"I'd like to express my appreciation for the way in which Rebecca dealt with changes to our insurance policies. Rebecca went well beyond her remit in finding a quote significantly cheaper than initially available, saving us ~£400, furthermore offering good advice and excellent service. I look forward to dealing with her in the future." Andrew C, Jaguar Forum


"Well I got it sorted thanks to Kathy @ Chris Knott Ins, great service." TonyAVFC, FocusSTOC




*Genuine quote requests only please - we reserve the right to request proof from the winner that the policy was actually due during the qualification period.
 

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Discussion Starter · #2 ·
Just to remind you of your chance to WIN a £250 Amazon Voucher if you request a Chris Knott Car quote before the end of this month.

Good news for us and you is that we've already reached 37.3% of November's new business target after just the first 4 working days of the month! Thanks if you're one of those who've taken out Chris Knott cover.

It's good news for you because it means we're obviously giving great quotes at the moment - if your car insurance is due in the coming weeks make sure you include us in the mix and see just how much you can save through the club/forum scheme.

We like modern/classic/standard/modified cars, especially where you're a member of a group such as a car club or enthusiast's forum.

Please give us a call on 0800 917 2274 - it's always better if you can call us when you're ready for a quote - or if it's more convenient for you please complete callback details using our online Quote Request Form.

best,
Nick

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Recent Testimonials
More feedback about the Chris Knott savings, service and support:

"Certainly my experience with CK has been extremely positive both with initial quotes and purchase and the following calls to add new mods. Only one of the 7-8 calls I gave them in a 3 month period ever resulted in a charge for adding new mods too. Although you really don't know til you have to make a claim they certainly work hard for your custom from my point of view." Lexo, Hyundai Coupe Owners Club

"I just signed up this month through this club. Excellent quote with loads of extras and very low interest on monthly payments. I'm well pleased." NerysGT, GT86 Owners Club

"I've been with Chris Knott for quite a few years including both the XE and the previous XF, plus my other runabouts. Also insured modified cars with them in the past with no hassle. Got my gap insurance through CKI as it was a lot cheaper than Jaguar's own quote and others, too. They've always been the best for service, speed and price especially if I advise them of other quotes elsewhere. To be honest, you should expect to have to barter a little with insurance each year. It doesn't take much time or effort." Pete McK, JagInfo

"I'm with CKI and I find the service great, yes I get the renewal quote, I have a quick look online to compare and if I find cheaper with a 'recognised' insurer I would be prepared to use, I then call and let them know. They have always managed to equal or better the quote. Ultimately you pay your money and take your choice...I think I would rather be with a broker/insurer with a good reputation." dolphinfriendly, JagInfo

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Discussion Starter · #3 ·
Hi, you've not got long left now - this is your final chance to WIN a £250 Amazon Voucher with Chris Knott!

We can quote now for right up to Christmas so if your car insurance is due soon make sure you call us for your quote before the end of this month to enter our draw.

IT DOESN'T HAVE TO BE FOR YOUR CLUB CAR - WE CAN COVER ANY OF THE OTHER CARS IN YOUR HOUSEHOLD TOO.

If ever you were in doubt about calling us there's plenty of good feedback about our prices and our service across the car club and enthusiast community and on TrustPilot for example. There's also a selection below to encourage you to pick up the phone and see if ours will be your winning quote this year.

QUOTELINE: 0800 917 2274 (please mention this club/forum to access the special benefits)

ONLINE: complete brief contact details at https://www.chrisknott.co.uk/CarQuote/?ref=AwesomeAutumn and we'll call you back.

TIA,
Nick



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"Your guys were great at renewals time earlier this month. Been about 5 years since I last insured through you. Polite, friendly service, well impressed." Goodluckmonkey, TypeAccord

"I just took insurance out with yourselves on the 2nd, you were cheaper than all the comparison sites with a better level of cover. Thanks." Daz6, Type-R Owners forum

"I was with CK last year and the renewal for this year is only £30 more. I will stay with them again as the ones on the comparison sites were more and that was without their added legal cover, courtesy car, etc." Stev 1550, UKSaabs

"Used these guys on and off for years. Great personal service. They actually take an interest in your experience of similar cars to what you are insuring with them, ensuring your premium is fair. Better still, you can go back and haggle. They have beaten every alternative quote I put in front of them. UK based, polite and helpful, this alone goes a long, long way. Refreshing common sense insurance in a world of grief and headache." Tom Merriott

"Just renewed insurance with Chris Knott. Had gone up £65 from last year, but got them to knock £25 off so £345 fully comp with the wife on. Thanks." elevensies, Z4 Forum
 

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Discussion Starter · #4 ·
Congratulations to the winner of the Chris Knott Awesome Autumn Prize Draw who has been randomly selected from all the fresh quotes and renewal invitations we issued in the qualification period.

Happy Christmas to Dan King, a member of Vectra-C/Signum/Insignia Owners Club who receives the £250 Amazon Voucher courtesy of Chris Knott Insurance.

Sorry if you didn't win but thanks to everyone who entered this latest of our competitions. That's it for prizes in 2017 but we'll be back with more offers and the like in the New Year for sure.

In the meantime, if you need any assistance with your car insurance, please feel free to make contact on here and I'll be happy to answer any questions. Or, if it's a price you're after, our Quotes Team would love to help you on 0800 917 2274 (please just mention this club/forum to access the special club/enthusiast deals).

I'll be posting about our Christmas Opening Hours next week - probably our final post of the year!

Thanks all,
Nick



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Recent testimonials about our savings, service and support...

"Can't beat Chris Knott. Better than the muppets at xxxxxx xxxx." Raiden, Audi-Sport forum

"I've been using Chris Knott for the last few years and have been very pleased with their service. That said, not had to make a claim, but have added mods without a huge increase in price. Worth a go when renewal comes around." Lowe, GT86/BRZ Drivers Club

"It's insurance time so this year called Chris Knott - beat all other quotes and saved me just over £200 (which is more than 35%) on what I was quoted as a renewal. All mods declared - got to be happy with that! — feeling happy." Simon Davies, Hyundai Coupe Owners Club

"I'm covered by these guys on both my cars. Top work." steveukv6, VX220org

"Thanks Nick, I found an address and sent it off last night, had a call from Kathy today, very good service, Kathy sorted out a couple of things for me and came up with a quote over £70 less than the previous broker who gave appalling customer service back in the summer." Top_Down?, Alfa Romeo Owners Club


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Discussion Starter · #6 ·
Hi, yes we do but please bear in mind that the valuation is based on the finished car, not the component cost of the modifications.
 

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Question for you Nick, do you insure classic cars? if you do, then what happens to NCB that one has build up during his life time of accident and claims free driving record, e.g. if one has build 15 years or more of claims free driving record, with no accidents or fines, or penalties etc, therefore do by insuring a classic car diminishes one's NCB.

Apparently I have been told by one insurance company that when you insure a classic car, you do not earn any NCB, and you may possibly lose all of your previously earned NCB to zero. This does not seem fair to me, How true is that?

I understand that one may lose a long term NCB by not having a car for over two years, e.g if one sells a car and does not replace it with another car for two or more years, then his NCB may go down to Zero years! as another example where someone may have acquired a long term illness or may have been given a company car and may not need his car for two or more years, and when he recovers or leaves a company and buys his own car again, he may be shocked to realise that he has to start with a zero NCB!

Can one lose all his or her years of NCB by having a classic car insurance?

Also Nick, how do you define a Classic Car? what the is minimum criteria required to classify a car as a classic, sure a rotten old banger cannot be considered as a classic car even though it may be 25 years or more old, if a car is not in a pristine condition like where the paintwork may have faded away and some rust patches started to form, may even have a few dings, worn seats, though it may be OK mechanically and drives well, goes through its annual MOT tests each year, can such an old banger be considered as a classic by default of its age? ( I think not...it would be more like an old banger)

Will appreciate your answers. thanks in advance.
Mike


(Ben's car looks very pretty! it is what one would call a real classic):thumb:
 

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I have got some answers to my above questions from speaking to classic car insurers. Some of us can lose our years of NCB by taking out a classic car insurance, so be warned. this is what happened to me

I have owned an Opel Manta GTE, since 1992, that is 25+ years, As far as I know, i have never made any claim on this car, or anyone else for that matter made any claim on this car, it has been insured year after year, that means technically I have build 25 years NCB, though in the eyes of many insurance companies they do not require more than 9 years NCB to offer you maximum discount of 60% to 65%.

However, truthfully if one has not made any claims and has held clean driving record, for 25 years, then technically one has 25 years of NCB, but iof an insurance company sets their maximum bonus at 9 years then that is what you would get on your proof of NCB certificate.

In 2012, I went online and filled in my details along with my driving record, my NCB years, on Moneysupermarket Dot Com site, to seek best quote for my Manta, it came up with various insurance companies offering me insurance at very competitive price, I took on one such company, called Dean & Grove.

On Moneysupermarket Dot Com site I did not classify my 30 years old Opel Manta as a classic car, I just put in its registration number and it came up with its details, and quoted me on information I provided, it did not ask me if I wanted it insured a s a classic car or as a non-classic, however some of the insurance companies who quoted me for it took it on their own merit as a classic car and offered to insure it as a classic car.

I did not think what the consequences of this would be, other than the fact that being my car was 25+ years old and it may be by default classified as a classic car.

But these are the implications:

For a classic car NCB is not taken into consideration, so it does not matter how many years of NCB you have earned or built up, it may go down the pan! here is why:

In 2012, I had build 20+ years of NCB, which I declared on Moneysupermarket Dot Com comparison site, so they have all my relevant details, and scan through hundreds of insurance companies inviting them to quote,

Grove & Dean offered me a very good price and so I took out my Manta's Insurance with them, what I did not know was that they took my car on as a classic car and insured it as a classic car, apparently some insurance companies do not consider an old car by default a classic car, particularly if it is parked on a public road and not garaged, I have always declared that my car is parked outside on a public road near my home.
I did not think my Opel Manta isd a classic car as it is not in a pristine condition. I considered it as an old banger still going strong and goes through its annual MOT check and passes most times and occasionally requiring some work to keep it road worthy.

However, little did I know that from from 2013 onwards my previously held NCB would make little difference to my classic car insurance quote, nor would I be earning any further NCB by being insured for a classic car, thena a year later Grove & Dean invited me again for a renewal, and again they were most competitive, so I continued to renew my insurance with for the next 3 more renewals, in all I was insured by them for 4 years, until this year when their renewal was way too much, despite not having made any claims, I only drove less than 100 miles each year on this car as I have two other cars that I drive regularly...a Calibra and a Nissan MIcra. All three cars have their own independent NCB of over 15+ years.

Then all hell broke lose this year in November when Grove & Dean quoted me too much, so I went back to Moneysupermarket dot come and asked for a best quote, so I opted to choose a new insurance company who were over a hundred pounds cheaper, than Grove & Dean, the new company did not consider my Opel manta as a classic car, and therefore wanted to see proof of my NCB, which I claimed is in access of 20 years, however when i phoned Grove & Dean to request for a proof of NCB even if it is 9 years, sadly they gave me a shocking news that they do not provide any proof of NCB on a classic car insurance, and so I asked them what happened to my previously held NCB before I joined them in 2013? their reply was that they do not consider any previous NCB on a classic car insurance and so would not have asked me for a proof of it from my previous insurer hence they did not know what it was and they do not carry it forward nor add any more new bonuses on their classic car policies! So they refused to offer me a proof of my previous or any new NCB.

The new company I am now insured with have asked for it and my failing to provide this proof would mean that I may have to pay a higher premium and start from zero NCB! I know this is not fair and I was not informed that i might end up losing my previously earned NCB.

So I am not a happy chappy now, so I am now considering taking this matter with Financial Ombudsman and see if I they can some how restore my NCB and make it the responsibility of insurance companies to warn potential clients that they may lose any NCB if they were to take out classic car insurance.

I am blaming Dean & Grove for failing to warn me that I may lose my NCB if I took a classic car insurance policy with them.

So all you guys who may get a classic car insurance for your project car or other classics, be warned when you do get rid of it or sell it off, and replace it with a non-classic, you may have to start from scratch with your NCB.

EDIT: For insurance purposes a classic car can be any car that is older than 15 years. That means even my |P reg Calibra would now be classifiable as a classic along with my
L reg Nissan Micra! What a fiasco!
 

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Discussion Starter · #14 ·
Hi, sorry MSG - I've been away over Christmas break. It looks like you've found all your answers and I agree, it doesn't seem fair that you'd lose all that bonus by virtue of being switched to a classic policy without the implications being explained. Hope it works out for you.

N
 
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