Now Sky will be able to tell us for sure, but I’d be surprised if they were using any other company that Ensign for their imported car scheme. I think it runs at nice profit levels for them thanks to owners clubs like this offering lower risks due to the vehicle being insured is a cherished one.
As for Flux, I think they have a few. reckon most of their business would go through Highway though, their account with them runs into £ms per year.
Ensign are underwritten (owned) by QBE. Highway and part of Lloyds so no, they’re not the same company.
Just to clear that up[/quote]
m1tch999, I’m insured through Adrian Flux with Ensign so my last comment is right. :lol: :lol:
[quote]Elephant also up your premium when you declare mods but include the condition that they will only repair it to original manufacturer’s specification.
So your carbon bonnet gets replaced with a standard one etc.
Great!! Call that insurance?
On the other hand Sky (through Ensign) not only repair to declared condition but they operate an agreed value scheme which can save so much trouble…[/quote]
Hi I have just checked my policy with Elephant, i states nowhere that it will only repair back to standard, it may be because my body hasn’t changed but all my modifications are covered, with like for like parts.
Angel.
PS.
I am in the middle of a claim at present, for the bumper, they have already offered to repair the full damage and the respray of the damaged area, although this will mean i have to pay the excess, it is however on hold as i am suing the local council, through elephant for the damage to my car… I will let you know the outcome.
Well as any feedback all helps towards you guys choosing who you go with next year…here is my story :lol:
After 2 years of appalling disgusting service from Its for Me/ Highways i eventually got my bum in gear and shopped around.
I was insured by Its for Me at £530 F/C with 4 years NCB and up to 10K a year (daily driver), no mods declared and no agreed value so i would have got about 2K from them :roll:
Phoned Adrian Flux and spoke to a nice cool gent, told him i had an import GTO with loads of mods and i wanted an agreed value and my partner insured too…No problem he says. Expecting a ridiculous quote i give him the COMPLETE list of mods and told him i want a replacement of ‘LIKE FOR LIKE’ parts and a £7 000 car value.
£550 all inc :shock: :shock:
Just phoned them today as my brilliant previous insurers decided i only had 5 years NBC and not 6 ( told you they were ■■■■). Spoke to a lady and in about 2 min flat she amended the policy with no additional fees or any issues whatsoever. Now that’s how i want my insurance to be.
