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Volvo owners club insurance scheme via chris knott insurance
Hi to all!
As some of you may know, we are the Volvo Owners Club preferred insurance provider and have been for over 20 years! We thought we would advertise details of the scheme on this forum so here goes! - The scheme is for both standard and modified cars with cosmetic changes and bhp increases by no more than 20bhp. It starts for ages 22 and over for Comprehensive cover and 19+ for TPFT cover, and you must have at least 1 year's NCB – no introductory discounts are allowed. All drivers must have held a full UK licence for at least 1 year, and to insure a 'performance' car, there must be at least 1 years experience of driving that, or similar bhp, car. Unfortunately, the scheme is not competitive on all M - Manchester, L - Liverpool, OL - Oldham & SK1-12 - Stockport postcodes, and excludes Northern Ireland. No more than 1 SP/PC/PL conviction offence per driver and no fault claims in the last 12 months. The minimum premium is £250 so please don’t ring if your quote is less than this! I'll view the site regularly and try to answer any queries that you have also. In the meantime, please feel free to call the New Business Team when you receive your renewal through. A dedicated team, with years of experience, is waiting for your call! (I personally don't do the quotes). 0800 917 2274 or 01424 200477 (if phoning by mobile) & please don't forget to quote the reference found in my signature below and the club name! |
As I live in SK8 I'm unable to avail myself of your services. Fortunately there are other brokers who can do what you cannot.
Pookie |
Sorry, but you couldn't save me anything on my insurance, let alone 82 quid!
Spent a good while on the phone and after being directed to the wrong departments on two occasions by call operatives was then told to find the cheapest quote elsewhere and then ring back again.. If this is 'club' insurance at discounted rates for 'club' members then I am..Needless to say..UNIMPRESSED!! |
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I'd like to look into this because that doesn't sound like our normal process especially considering the success we have with this scheme and the positive feedback we receive. It runs very smoothly so i was surprised to hear this. Firstly, the phone system is automated! For a new quote, just press 2 then 1. Secondly our scheme is based on customer profile and we can undercut the 'screen' rates though we can compete with customers own quotes also. We'd never say call back later with new details unless we saw this as a benefit to the customer. Therefore, can you pm me your name, postcode and the number you rang us on please and i'll listen to the phone call and report back. |
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I hear what you're saying but i've just looked at the last 7 days figures and of the 250 forums we are linked to, this club was the 2nd best in terms of people taking out policies with us so it's working!!!
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Lost business spawned by greed! My 940 costs me around £189.00 a year Fully Comp . Absolutely stupid to me. There's a recession on, and you don't want what business is out there? Sorry mate but you've come across as a typical greedy insurance broker, just touting here for newer car owners. |
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I haven't seen one explanation for the grievances so far?maybe hes still looking into it?
My dear wife had a real hard time just trying to get through and yes she tried and kept trying all day.Eventually she got through to a woman who insisted my car was a turbo(it aint) They cover 250 forums but don't seem to know what my car is?I suggest they brush up on it if they wish to continue working with car related websites. Don't even bother to mention "classic"or"limited mileage"as they weren't at all interested. They did save us a very small amount but as I was insuring two cars the hassle was great.We sat down and studied just what cover we had and was horrified to see it covers very little. My wife rang recently to insure the Limo but of course they don't insure such a thing as it's strangely different to other cars.Even though it's logbook states it's PLG and would only be used for private use. The lady the other end said it didn't exhist. I am definately looking elsewhere next time as I want insurance that actually covers me.I thought fully comprehensive was just that,It might as well be third party.Plus as a broker the company they have put us with have a really bad reputation according to a lot of revues we found on the net for not paying out and most said it was highway robbery! Not a very nice experience and judging by the action taken so far they aren't in a hurry to answer any queries. Disatisfied member. |
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I have! He blames you lot for not listening properly which is obviously correct as his staff are clearly beyond reproach.:notworthy: SIMPLES!!!!!!!!!!!!!!!!!!!! Regards Darryl :thumbs_up: Happily paying £221 fully comp on a 2006 S60 D5 SE with many good benefits and with a different company that has a very good reputation. |
well ive had no contact of any kind from them nor any explantions, and after shopping around i found a brilliant quote with unlimited mileage, full breakdown including europe too!! from footman james who actually semmed to be interested in my business, makes a nice change:thumbs_up:
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We currently are getting more NEW BUSINESS CUSTOMERS from this club than any of the other 250. It's natural that you are much more likely to get people moaning on a forum than those who are happy with the scheme but these comments go beyond belief! I am not going to answer you in a personal nature because the comments are a little immature and unjustified. I will say that the policy is, and always has been excellent - i am insured on the same scheme and i know the policy and am happy to insure on it especially as i've been in the industry for 20+ years. It is rare IF EVER that i have heard someone moan about the policy being lacklustre. Re car models whether turbo's or not, we use the registration number software to show the car type so your comments re that are again inaccurate. If your car doesn't fit the classic scheme, then we can't quote on it. Simple as that! I am even willing to listen to the recorded call if you pm your phone number from which you called us and the approximate date because from the years of experience i've had on forums, I know that people don't often respond when we state our side on the forum. I don't say that in a boastful way but usually this is what happens because the whole story comes out. Sorry to speak like this but it's a little annoying when the scheme is so successful and then people say things like the above. We don't insure limos and can't understand why you are harping on about it because we never offered this tyoe of insurance. |
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If the insurer is not keen to insure you at a certain premium they would rather not do the business. It is better to just accept it and move on! |
Hello It's the "imature" poster here I drive less than three thousand miles a year,I own and run three cars all insured and the three thousand miles was when I had one car on the road so each car will by definition be doing less than that.Would I be eligible for low mileage insurance?My wife did enquire about limited mileage but didn't recieve an answer specific but was just told about the policy on offer.Could you very clearly define just what a classic is so we don't have to waste our time trying to get cover on our old bangers.Maybe this would also free up your phone lines a bit too?
I think you should help us poor less inteligent people by putting some catagories here to see if we fit your protocols. I have stated the facts as I understand them.If you care to check out my many posts you will see I'm not the type of person to moan groan or cause problems.I come here to contribute to a community of like minded volvo owners.My aim is to help and be helped and generally enjoy my time here I do not need someone like you coming on here to profit from us but start throwing insults as soon as one of us states our experience with your sales people which doesn't fit your ideals. I agree I was less than happy but if you put yourself up for being endorsed by so many then you have to take REAL complaints seriously.A good company would not have had these responces in the first place,But as you have shouldn't you have asked anyone with a complaint to contact you by PM first to see if you could get to the bottom of thier grievances. I posted as you seemed to be ignoring the critiscism from others.No you decide to come on here and use inflamatory not very buisness like wording to belittle me.You say "It's natural that you are much more likely to get more people moaning on a forum than those who are happy with a scheme but these comments go beyond belief" You obviously don't frequent this forum very often as you have recieved a small number of complaints but we are one of the biggest car forums in the world with a loyal well behaved group of people.We have rules which if infringed the poster is dealt with by being banned. Would you like to start a poll so that anybody can vote to say how happy they are with your service of course you would be inviting possible negative votes as well. I'm sure when you joined this forum you read the terms of agreement first. If I found your comments inflamatory personal and upsetting I could report it to the admin staff which is my right. You may use registration number software for finding out about a car but I have the car it is not and has never been a turbo and the logbook and volvo parts department agree it is NOT a turbo..maybe your software is inacurate? not me as you state. The lady on the phone stated to my wife it clearly states on the screen it has a turbo.This is not me being "Inacurate"Your recurring problem seems to be human related.It should not be for me to correct your staff about this information.My wife to begin with was enquiring on my behalf and I rang to accept the policy.This is when we reached an agreement that it did not have a turbo and only then. Would you like to give specific information on all things you don't do insurance for like Limo's?invalid carriages hearses.submarines etc.as you say you never offered insurance for limos so why expect it. As for my limo that doesn't exhist and "harping on about my limo"You missed out on my money as it is no different to insure than any volvo saloon.As it is not used for reward or paid gain and is used purely for private use it comes under a standard car policy.Now I have pointed this out to you then maybe IF you want you can start to insure limo's.I won't charge you for this information as I am not in the insurance buisness and haven't been for more than twenty years. All I do know is that we made it perfectly clear to our previous and now currant insurer that it was a limo and how many seats it had who said thats fine It will be no different to a five seat saloon they even knew what it was by the registration,As she commented how funny it was that I was using an ex funeral car as a people carrier..They now have my money for a fully comprehensive policy with all the usual items one would expect.The sales person was friendly and approachable which led to a pleasant experience. My wife has just asked me to pass on to you this advice which is for you to choose to ignore if you wish. Could you improve your recorded message system as it keeps you waiting and then ends up you have to ring again and again.If your very busy why not state this at the point of the first message as other companies do and not leave it for so long before saying so."We are currently very busy all our staff are dealing with enquiries please try later or hold the line".Us poor folks find things tough at the moment and we don't need to spend long periods of time waiting for a responce when trying to get cheap competitive discounted club authorised insurance which may save us a small amount of money for less cover. I am not here to sling mud I am clearly stating it as I see it.I did say you saved us a small amount of money which you did.The poor policy as I say is lack of courtesy car in the case of an accident.This would have to be an extra added to the policy. Fair enough it means you can be competitive,but you should get what you pay for and fully comp for me always included this.If I didn't want the included hire car in my previous fully comp policy then it would have been cheaper than your policy as it was inclusive.So In hindsight I should have paid the extra £60 and had the peace of mind that in the event I could at least get home safely.This was for the two car policy by the way. You state you are the prefered insurer to the volvo owners club.WHY? I'm a volvo owner I have three cars but the small amount I save is not giving me the service I need.You come across as being the first place to come to if you belong to a club as you specialise and are indorsed by 250 clubs.And yet there are cheaper deals to be had you admit this yourself. I convinced my wife that your company was the one to go to as you were the clubs "preferred"insurer.It swayed my belief that being indorsed by the team I trust and rely to keep this site clean and decent was the best place to go. I am sorry if my experience isn't what you wanted to hear but this is an open forum and having reread my previous post can safely say it was not specific about any actual insurance company and I did not insult you by saying you were "immature " or "unjustified" These comments I find offensive and inflamatory.And I consider them to be PERSONAL. You keep saying you don't do this and you can't do that!. Well as you target the various 250 car clubs then the benefits should include more than the bigger insurers who insure everything else not just cars. Yours sincerely but immature Brian a long standing fully paid up member. |
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Next it'll be 'computer says no'! Would it kill you to be courteous and polite to customers even if they're wrong? Try this book - you may find it illuminating :) http://www.amazon.co.uk/Excuse-Me-Le...2131074&sr=8-4 |
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Sorry for talking to you like this, but after all you are an idiot! |
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Based on your above comments i will definitely be giving your company a very wide berth at renewal because if this is the general attitude when trying to simply obtain a quote i can only imagine what it may be like in the event of a claim. Darryl |
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I'm appalled - as a former Customer Service Manager at John Lewis, if you were working for me back then - I would have without doubt put you a disciplinary and a retraining course for your simply awful approach to your clients, I never had to deal with something written by an employee to clients or potential clients as dreadful as this, even from 17 & 18 year old part time workers - even they managed to be polite unless severely provoked by the client. awful - just cringe worthy. |
This fool has just lost Chris Knott any business I may have ever considered giving them. As Darryl state is this is the attitude of the company when trying to get business what the hell are they going to be like if and when it comes to making a claim!!!
If you worked for me and spoke to any client in that manner let alone state it in writing you would be looking at your P45...... and don't let the door hit you on the way out. By the look of some of these posts it could be 249 forums that you offer cover to soon!! Customer care is obviously not your forte! |
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You may of been in the insurance business for 20yrs; I was in customer service for 20yrs and I wouldn't of been if I'd replied to our customers in this manner. You should remember that the definition of a complaint is "an expression of disatisfaction, oral or written, justified or not" If this is how Chris Knott treats customers, then I won't be phoning them come renewal time. |
Thank god I am in Liverpool, Now I do not need to waste my money on a phone call to a company that advertise's that it DISCRIMINATES against people just coz of were they live.
I have lived in Liverpool for 40 years, had a car since I was 17 and have never had a claim, I have owned many cars from a Porsche to a Robin Reliant, and my last 8 cars have all been Volvo's, so why do companies like yours not insure safe drivers like me, or when they do it's pay through the roof ? I think the answer is they are just GREEDY BA**ARDS !!! And then have the cheek to advertise free on 250 forums to tell us how great they are. Ha |
Firstly, if CK's underwriters won't cover certain postcodes, it's nothing personal...so getting hot under the collar and claiming that it's discrimination isn't going to do much good. Of course the counter-argument is that CK ought to expand their range of underwriters...
From my own point of view, as a former CK customer (with two policies), there's not a lot of love lost here. On one occasion, CK tried to *double* my premium, only for me to end up back with them, paying more or less the same as I did the previous year. How on earth that position can be justified, I do not know. I no longer insure with them (for either policy) for one very simple reason - their premiums have become uncompetitive, and by a significant margin. I know a great many people who pay less than £250 for their insurance (my premium a couple of years ago on my S70 was only a shade over £300, and I was 24 at the time...my parents' policy barely breaks the £100 barrier). The blanket 20bhp rule (no doubt, again, imposed by an underwriter) is one of the most stupid things I've ever heard...and clearly devised by someone who has very little knowledge of the subject. Finally, there have been acute problems with answering the phone on several occasions. For one of my two policies this year, I was entirely unable to get through to somebody, despite numerous attempts. The second time took 2-3 calls. The only remote parallel I can draw would be HIC, who seems to have a 20-minute queue whenever you call (but do tend to quote well). As a former customer, I'm saying this for your own good, Chris Knott. Get some new underwriters, and get your act together! The current situation seems unsustainable for the club's "official" insurance scheme. cheers James |
Have to say, Tim, old lad..you ain't exactly covered yourself in glory with this.
Having been in Sales and Marketing for over 35 years..and therefore knowing a little about customer facing skills..your "approach" is somewhat questionable. I've actually insured with you for the last 3 years...AND just renewed...but I have yet to test your actual service because I've never made a claim. I did..as your company requested..give you the opportunity to quote for my wife's car..or at least I tried...but gave up when you wouldn't answer the phone.!!!...she went back to Esure.!! 'nuff said.??? In the interests of fairness I should add that when I HAVE spoken to your staff I have received polite and courteous service. Neil |
Hi Brian
I’d like to sincerely apologise for the nature and tone of my reply to your post. It was unprofessional and I am sorry for the offence I caused you. After working here for over 20 years, I maybe took the comments to heart and therefore didn’t distinguish between business and personal, and effectively let myself down. In this, I also apologise personally as well as corporately because upon re-reading it, it shows a level of immaturity in itself. No hard feelings I hope and I wish you all the best in your insurance matters! |
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As for you being the preferred insurance company. It is a poor move by the club and members should think again and look elsewhere |
It's worth pointing out that the club have a long-standing arrangement with CK, and this business of uncompetitive quotes and poor coverage of modified vehicles is a fairly recent development. That doesn't mean it can't be reviewed, of course...
Perhaps we can look at things from a more positive angle? Tim - is there any news about progress on the underwriters / modification front? I do appriciate that CK are not the only insurance company to be affected by this situation. I also hope you don't take it too personally...car insurers are notoriously unpopular with the general public, and we are a nation of moaners, myself included! Of course the counter-argument is that if you work in that sector...you ought to be used to it by now! cheers James |
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but seriously - kudos to you for apologizing. I'm sure if you can manage to not be insulting AND be good at your job - all will be forgotten :) your 20 years of experience should help greatly in that respect one would think! |
QUOTE TimatChrisKnott
I’d like to sincerely apologise for the nature and tone of my reply to your post. It was unprofessional and I am sorry for the offence I caused you. In this, I also apologise personally as well as CORPORATELY because upon re-reading it, it shows a level of immaturity in itself. Self induced apology, OR instructed to do so from on High as a damage limitation exercise? I have my own views and will insure elsewhere! Remember Tim, " YOU DON'T GET A SECOND CHANCE TO MAKE A FIRST IMPRESSION " Darryl |
wrong dept to start....on hold...................hi poor line....................on hold......................................getting board...............plesae continue to hold your call is important to us....................................yawn........ .....???????.....£800. direct debt intesrt £905,24.......total.........wow im so pleased i phoned you thank you for the loss of the time i wont get back wasted on the phone......gphillips
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LATEST NEWS
Hi Just to let you know that the scheme now allows modified vehicles with an increase of up to 50bhp. Best wishes |
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Im so excited i think i've wet myself!:swoon: |
To be fair to Chris Knott,
I shopped around, couldn't get a better quote, I asked a specific question about if like for like replacement on modifications was convered in a dead loss situation, the woman said no - just market value, and to be careful of other companies mis-selling their products in that respect. I approached adrian flux, got a similar quote - and they said it DID cover like for like replacement of modifications on a write off/dead loss. Took out a policy with them, got the 54 page document, read it cover to cover only to discover they had LIED and the policy wording specifically said "market value in the event of a total loss" So ... Adrian Flux lied, and mis-sold me a product deliberately (the woman at Adrian Flux double checked with her manager to 'confirm' my policy did cover like for like replacement on a write off, what a ****ing liar!) I've sent a letter to Adrian flux about this, and intend to get the postal address of one of their directors, I hate people who are Fraudsters and liars and I like getting ripped off even less. So, I ended up coming back to Chris Knott. They're not perfect, but the woman on the phone certainly stopped me getting a very nasty surprise later down the track after being LIED to and mis-sold by another company. So - thanks to Chris Knott, who gave impartial advice - you just need someone to post on here who doesn't **** off all the forum users and you're cooking on gas :) |
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You might just be on to something here. I seem to remember that the Chief Executive of BP P****D everyone of with his comments following the Disaster in the Gulf of Mexico. He resigned (SACKED) as he was essentially an embarassment to the company. Now i wonder if Tim were to :nah: Darryl:thumbs_up: |
Honest opinion here, I insured with Chris Knott just the other day for the first time, slightly cheaper than my cheapest quote and about £60 less than my renewal notice from Admiral. May have had second thoughts had I read this first.
Had one run in with one chap I spoke to though, I told him my cheapest quote (299) and they offered to beat it, fine. He then asked my renewal figure (340) and I gave him that too, fine. He then got very confused and said in an angry voice "SIR, YOU'VE JUST TOLD ME YOUR CHEAPEST QUOTE WAS 299, NOW YOU'RE SAYING 340". ARS*hole That apart the rest of it went OK, maybe I'll find out how good/bad they are if I ever need to claim ? Regards Steve |
I would have ended the cal there and then with him.
As said earlier, if they are treating peope like sh1t as a new customer, can you imagine the hassle if you need to claim. My opinion is to avoid them |
One of the reasons I joined the VOC was for the insurance scheme. At the time it halved what I was previously paying. However my latest renual jumped to £250 from £170 for the basic premium and was £320 in total with various add ons. I have not renued!
I have joined the VEC and have insured with Footman James for £158 on their classic car scheme. This includes agreed value, unlimited milage and UK breakdown.:thumbs_up: I think Chris Knott are going to have to up their game and the VOC needs to review what it calls 'Club' insurance. |
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I think the natural question now arising is:- How does an Insurance Company become the Club's recommended choice and MORE importantly remain so, given their perceived poor customer service and renewal rates ? My comments are based on many recent negative posts on this very forum. Either i am missing something, or complacency and apathy in relation to "Chris Knotts " seeming inability/desire to provide special or indeed even remotely adequately competitive quotations have become the norm! Personally, i will never again even waste my time with them as i consistently do FAR better elsewhere. So why are they the Clubs Choice? Anyone care to answer? Darryl |
I think the short answer is that it's a pretty bloody good question...and one which you're quite right to ask.
On a similar (but unrelated to CK) note... I did a few quotes tonight (not with CK...they were online), and I still can't get my head around how a V70 D5 can be nearly twice as expensive to insure as my V70R. Notes: 1) For the uninitiated, an R is quite a bit faster than a D5 (at least as standard). 2) I can't imagine that repair costs are that different. They're very similar cars, really. 3) Even halving the value of the D5 appeared to make almost no difference to the quote. 4) This is still making my brain hurt. Conclusion: I'd love to have a chat with an actuary, because, as far as I can tell, they smoke crack before going to work... cheers James |
power
I think a lot of insurers are hitting the pipe recently. My wife's Fiesta was £170 to insure last year. This year the cheapest I could find was £200. Now she has an extra years no claims and the car is a year older and worth less so logically it should have been less than £170. As regards to the postcode lottery I wonder if the new map of crime which shows the amount of car crime will have any bearing on the matter? Bury is a s&*8hole apparently!
Anyway regarding increased power in a turbo car. If the mbc is at 15psi more than stock then the car could potentially have at least a 50bhp increase. Without putting it on a dyno how do the insurers guess what final bhp the mod will give? I could easily turn my mbc down to provide 2 psi of boost and therefore give my car less power than stock. Does the bhp increase have to be permenant to qualify for a performance gain? Guess I should not (probably cough) put in a new ECU with the words "chipped" written on it ! |
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