AON refusing to insure me: I am a member of mazdarotaryclub.com :Dream slipping away

[chrisBoid]

Hi all,

this is serious now.  AON were my last hope of insurance but they refuse to insure me, I got this far with them before they flat turned me down: -

Mazda RX-7
25yrs old
no previous high performance car experience

and that was it.  This is after I told them I was a member.

I am quite distraught as Glenn Butcher said "they should be able to look after virtually all of our member\'s insurance requirements on production of their membership number".

The AON contact Adam Siviter is on holiday for 2 weeks, but the guy I spoke with said it would not make any difference.

I have tried quotes with a few other companies but once I declare the mods (99% cosmetic) the premium triples.

Can anyone offer any advice?

[Glenn Butcher]

Chris,

What reason did they give you for refusal?  I won\'t be able to do much from Oz.  But Clive should pick this post up - hopefully he can do something for you.

[chrisBoid]

Hi,

(I just emailed Clive directly.)  They said that because I had no prior experience I would have to be over 30 years old for them to even talk to me.

[Glenn Butcher]

Hi Chris,

I just checked some of the details, a quote here...

"Although they unfortunately are unable to offer insurance to our 17 to 25 year old members."

Are you > 25?

I think something must be wrong there, unless they changed their rules in the last few weeks.  Wait to see what Clive comes back with.

[chrisBoid]

I will be 25 on the 30th of July this year, I need the insurance to  start around this date.

[Big Ads]

I am a little concerned as this was going to be one of my ports of call when I get My Rx (not a member yet but will be when I get the car)  From what your saying Glenn I take it if you are 25 they wont touch you but if your 26 they will?


Chris, not sure if you tried admiral but they seemed ok with Mods when I tried them with a prospective purchase (Lowered suspension, 18" wheels, Aftermarket exhaust and Aftermarket Bonnet) I am about £700 for my current car and they only wanted an extra £83 to take me to the end of the term 30th Sept ( just over 3mths when I got the Quote).  

By the way I only have 2yrs no claims as I\'ve always been a named driver... :mad:

[chrisBoid]

Clive (Admin) is currently chasing up my problem with AON at the moment, I will post the results, hopefully it will be good news.

[richrx]

rty elephant.co.uk they quote me 1300 om an fd and im 21 2yrs no claims:D

[chrisBoid]

Elephant was 3-3.5k for an import FD worth £18k with a few mods (mostly cosmetic).

[DRAGON]

Chris what age is your FD? and how much did you pay for it?

[chrisBoid]

1996, paid £13k, but having more than £5K of work put into it.

[DRAGON]

I would just say it is worth less and get a reasonable insurance quote. I doubt you could sell it for 18k. To get that money for a 96 it would have to have a serious kit and some very serious hp.

[chrisBoid]

yes, that did cross my mind, but I have no clue as to how much to value it at.  I just wanted to cover my @ss for the work that has (is being) been done to it.

I will ask the garage (Motormall) to give me an estimate of the current asking price.

Do you think a few £k less make a big difference to the insurance?

thanks.

[davefrith]

no offence but as ross says I think  you need to say its worth less, and it does make a difference to what you are quoted, try valuing the car as less, they will never pay out 18k anyway if you wrote it off

Point to note, elehant.co.uk make a note of body kits and wheels etc but don\'t actually insure them, although they don\'t tell you that

myself and girldfriend pay £1200 through elephant for my 96 kitted import, and i have heard of other people getting similar cheap quotes. I can\'t use AON either due to only being 23

Dave

[davefrith]

PS. whats the 5k\'s worth of work you are having done??