I did a few comparison quotes and AF came out top each time and I remembered that they offered a 15% discount so duly rang them up. Spoke to Melissa's who passed me onto Toby who then went through all the questions and an hour into the call came back with a quote that was 15% HIGHER than the online quotes!!!
I queried this with Toby and all he could say was:
the online system does not ask the same questions - bullpoo as it did
I have carried out 20 odd quotes and it takes the highest mileage I've input - bullpoo, I had decreased from 8500miles to 6000miles
I said there could be a remap to increase the mpg but figures would go from 115bhp to 120bhp - he said he'll put in upto 20% taking it to 135bhp as that didn't matter - bullpoo - it must have made a difference
so, after wasting my breath and feeling that AF are misquoting me and mis-selling the policy I decided to stick with my current insurer who said they are willing to take on any bhp increase, all my mods and lowering my suspension unto 50mm and even brought the price down from £328 to £264!!!
Dan@AdrianFlux - shame fella, I really thought you guys could have done me a good deal but I wasted over an hour talking to 3 reps.
First of all thanks for the post, feedback is always good and is taken on board.
I have spoken to Toby regarding this particular quotation and whilst I can't go into too much detail on a public forum, I can confirm the following in response to the points you raised:
Whilst the online question set does ask almost all questions, things such as the original and new BHP cannot be entered online and the rate needs to be manually calculated in circumstances where BHP is increased, hence asking you to call in.
When you quote be it online or over the phone, each quotation is stored so if you quote as an example 25,000 miles a year but try and purchase the policy on 3000 miles - there would certainly be a query from the insurer as to why you quoted so high and now need so few.
Regarding the BHP increase, as we are a modified car specialist, our schemes are very flexible with modifications so the difference in BHP from 120 to 135BHP may still be in the same pricing bracket.
I can only apologise for the way you feel however we certainly aren't misquoting or mis-selling, it is a case of us confirming we have every detail correct prior to you making a purchase (Which is why we ask you to call in rather than buying online)
If you have any further queries then please do send me a PM and I can arrange for us to give you a call to explain if needs be, however it's just a case that once confirming the details over the phone and making the corrections, unfortunately this has resulted in a price increase.
This is obviously not something we like to happen as ultimately we would love to help every client and keep everyone happy, but as we are a broker who works on behalf of over 40 underwriters, this doesn't happen every time.
- Lenny likes this