Car Insurance will not quote me!

TELLIT01

cymruchris said:

Are you changing for a car that's in a higher insurance group? You may find for example that your current car is group 19 let's say, and the policy can provide cover for any car up to a group 20, and the car you're looking at is a group 23 - then that could be a very simple reason why they won't quote you on the new car - it may be beyond their risk appetite priced into their package.

If an insurer simply doesn't provide cover within a certain postcode, or for a certain type of vehicle they will say so.  It's the refusal to explain the reason that is the concern.

Sandtree

TELLIT01 said:
 It's the refusal to explain the reason that is the concern.

Computer says no

Most companies do not expose their commercial decision making to their front line staff. The few I've seen that do end up just going down a rabbit hole. If the agent says its because they're not writing new business in WR1 3 postcode sector then it just raises new questions as to why that sector's been restricted and customers try to challenge the rationale 

HyperSpace88

If an insurer simply doesn't provide cover within a certain postcode,

I already have insurance with this insurance company. I wanted a second policy so I could buy a new car and then sell off my existing car. 
I think they have doing a soft credit check, so I am not registered at my flat. I run a business and I am not moving my entire correspondence to my flat. My dad helps me with paperwork in my business. So I am registered at my parents... 

I managed to get a quote from Cuvva, however, they seem to be run my more sensible people, as they are asking where is  driver license (registered at my parent), but they also ask me where the car is kep (my flat). They were able to quote me, but their price is expensive. But that is because it is down to zero NCB.   

jimbo6977

Is the 2nd car a car (ie not a van or a quad or something)?

Is it an unusual car?

Is it an import, that was made for the Japanese domestic market for instance?

dunstonh

Maybe the insurer doesnt want the risk of two vehicles in the same location with the same owner.    No big deal, try another.

HyperSpace88

I am struggling to get the point across.
I am already insured to drive a car. At the time, I took the insurance, it seemed they had different criteria. Now these insurance companies seem to be doing soft credit checks, this is where I believe I am struggling. As long, as I need re-renewing my existing car insurance policy, I will have it for life! (I think). I can even change cars.  They will even provide me with a 30 day cover on a new car. However, 30 days is n't enough to sell my old car. So this is why I wanted a second insurance policy. They can even help me with the NCB.  

However, I can't get a second insurance policy, because they have changed the criteria and they appear to be doing credit checks.  

I can't be the only one in this boat?.    For instance, a second home owners may be in this boat. As well as student, who may register their bank details at their parents address, but keep the car at their student accommodation..... There are MP, who may live in their constituency, but may rent a second home in London.... 

Sandtree

The problem is that to have and renew a policy is different than to buy a brand new policy.  Just like credit card companies and other financial services organisations, they've historically accepted you and let you keep a product but that doesn't mean they'll offer you another one.

Aviva has done credit checks for over a decade as I recall they announced their soft searches shortly before the project with my employer at the time delivered their credit check rating. Again, they can tweak their rules as they see fit over time.

The real question is... why are you so bothered with sticking with Aviva rather than getting quotes from the aggregators like Confused.com and going for the best balance of price and quality?

akw2420

I wonder if he lives in Area 51.....because he is coming up with lots of conspiracy theories?

TELLIT01

Sandtree said:

TELLIT01 said:
 It's the refusal to explain the reason that is the concern.

Computer says no

Most companies do not expose their commercial decision making to their front line staff. The few I've seen that do end up just going down a rabbit hole. If the agent says its because they're not writing new business in WR1 3 postcode sector then it just raises new questions as to why that sector's been restricted and customers try to challenge the rationale 

I've seen plenty of complaints on this forum from people saying an insurer has refused to provide cover for a certain postcode or car.  All insurers will have their own business model and call centre staff will simply say it is company policy not to insure xyz.  An insurance company doesn't have to explain the rationale behind such decisions beyond saying it is a business decision.  Every business has the right to decline to do business with anybody, as long as that reason is legal.

Sandtree

TELLIT01 said:
I've seen plenty of complaints on this forum from people saying an insurer has refused to provide cover for a certain postcode or car.  

Equally seen many of those and also recall that many, when questioned, have assumed its because of x, y or z rather than actually being told.

I dont doubt that some insurers will allow their staff to see, and some call centre agents will speculate when they cannot see, but in my experience over multiple companies front line staff were not told the reason why a quote was declined or a premium increased etc. Clearly more senior/specialist staff can see or simply know as they were the analyst who identified the concentration risk in the first place.