Micra Sports Club Insurance Scheme With Chris Knott Insurance

[Tim@Chris_Knott]

Hi to all!

This forum have been in discussion with ourselves about an insurance scheme for registered users on here. We are glad to say that we have signed the deal so I'd just like to introduce myself & our company!

Chris Knott Insurance - http://www.chrisknott.co.uk - have been involved with car clubs for over 20 years so hopefully we'll understand your needs & requirements!

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.

The minimum premiums are £250 for Comprehensive & £200 for TPFT cover, so please don’t ring if your quote is less than this!

We consistently have a very high renewal retention rate meaning that people renew with us because of our constantly competitive insurance premiums & experienced, reliable customer and claims service. That is why we can promote this insurance scheme knowing that we are in it for the long term.

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!

[ollie240585]

Welcome Tim.
I'll be asking for a Quote on my RS Turbo Powered MKII Orion....once I MOT it.

Do you offer any further discount for insuring 2 cars?

Cheers.

[Tim@Chris_Knott]

Welcome Tim.
I'll be asking for a Quote on my RS Turbo Powered MKII Orion....once I MOT it.

Do you offer any further discount for insuring 2 cars?

Cheers.

Great stuff. You will get the discount on both cars but there isn't any additionally '2 car' discount I'm afraid.

Great job glad i could introduce you to the club

Yes, thanks Curtis.

Kev & myself are quite keen on this link up so let's hope we can benefit members!

[curtis]

Great job glad i could introduce you to the club

[Glen]

whats the sutiation with a modded car

[Tim@Chris_Knott]

whats the sutiation with a modded car

No problem with modifications except roll cages & nitrous!

[Arnold]

No problem with modifications except roll cages & nitrous!

Why not roll cages? I was going to get a quote with you but i've also got one of those

[Makrakin08]

Hey tim i will prob be going on my insurance with u as i am getting my liscence back in 2 weeks do u think u could sort me out with a good quote cheers

[Tim@Chris_Knott]

Hey tim i will prob be going on my insurance with u as i am getting my liscence back in 2 weeks do u think u could sort me out with a good quote cheers

We can but try!

Any particular reason you are discriminating against Mancunians, Scousers and the Irish?

Irish -
Basically, the insurers have told us they have stated that, as a gentleman’s agreement, NI brokers can't insure GB customers and GB brokers can't insure NI customers! Just fair play, I suppose!

Simple as that!


Manchester, etc -

Unfortunately it's all to do with claims statistics.

An inordinately high number of claims come from these postcodes, simple as that. It's not a case of a few points higher but a much greater percentage than the norm.
The insurers did actually tinker with individual postcodes but it didn't work sadly. I suppose 'once bitten, twice shy'.

The scheme would just not exist if the insurers included these postcodes because of the losses that these have historically caused.

[jacb_1978]

Manchester, etc -

Unfortunately it's all to do with claims statistics.

An inordinately high number of claims come from these postcodes, simple as that. It's not a case of a few points higher but a much greater percentage than the norm.
The insurers did actually tinker with individual postcodes but it didn't work sadly. I suppose 'once bitten, twice shy'.

The scheme would just not exist if the insurers included these postcodes because of the losses that these have historically caused.

Well I ain't movin so guess I will be choosing another insurer for my renewal then!! It's a bit bad when you think about it though so many posh areas with a Manchester postcode with peeps driving peformance and ultra high spec cars you are missing out on big business because of a postcode

[Tim@Chris_Knott]

Well I ain't movin so guess I will be choosing another insurer for my renewal then!! It's a bit bad when you think about it though so many posh areas with a Manchester postcode with peeps driving peformance and ultra high spec cars you are missing out on big business because of a postcode

The insurers look it at slightly differently.

They may get 'high' premiums from these high spec cars but end up paying out 'higher' claims costs so it's a wiser decision not to insure them.

For example, take £2000 in premium but pay out £3000 in claims costs!

This has been consistently confirmed by their claims statasticians & actuaries.

[jacb_1978]

We can but try!



Irish -
Actually, the insurers have told us they have stated that NI brokers can't insure UK customers and UK brokers can't insure NI customers! Just fair play, I suppose!

Sorry to nit-pick, last point I promise LOL !

Have you informed the insurers that Northern Ireland is actually IN the UK?

Anyhoo like I said my last comment on the subject.

[Tim@Chris_Knott]

Sorry to nit-pick, last point I promise LOL !

Have you informed the insurers that Northern Ireland is actually IN the UK?

Anyhoo like I said my last comment on the subject.

Edited!

[jacb_1978]

Any particular reason you are discriminating against Mancunians, Scousers and the Irish?

[Optispart]

yer whats the deal with sk postcode lol

[curtis]

Can you do a PM service where you set out a tempate in this thread of the details you need, then we just copy and paste into a PM message and send it to you? Bit like a internet quote?

[Tim@Chris_Knott]

Can you do a PM service where you set out a tempate in this thread of the details you need, then we just copy and paste into a PM message and send it to you? Bit like a internet quote?

We did try this but it didn't work because we were so busy on the phones, callers would get priority which left emails at the bottom of the pile.

It wasn't a good service so we ditched it!

We now just encourage people to ring us only.

Why not roll cages? I was going to get a quote with you but i've also got one of those

It's a strange thing but the claims stats show a high level of claims from peoplke with roll cages fitted.

However, the insurers are willing to look at each individual case but we can't promise anything.

[Optispart]

fair enough
cheers for the reply

[Arnold]

Ok thanks. Will get back to you if/when my car is finished

[curtis]

Ok thanks. Will get back to you if/when my car is finished

Year 2049 then

[rlees85]

im 23, had license sinse jan 2003 and I will have 4 years no claims.

i got 1.4 micra, full exhaust, light flywheel, air filter, alloy wheels. I live in LE10

My current insurer admiral (who seem good for modified cars btw!) quoted me about £550 for this.

of the top of your head, do you think you could beat this?

cheers! (my renewal is due in jan so i will definatly remember you if you think you can)... credit crunch and all that hehe

also its for fully comp insurance - just thought id add that! my car is 51 plate

[Tim@Chris_Knott]

im 23, had license sinse jan 2003 and I will have 4 years no claims.

i got 1.4 micra, full exhaust, light flywheel, air filter, alloy wheels. I live in LE10

My current insurer admiral (who seem good for modified cars btw!) quoted me about £550 for this.

of the top of your head, do you think you could beat this?

cheers! (my renewal is due in jan so i will definatly remember you if you think you can)... credit crunch and all that hehe

also its for fully comp insurance - just thought id add that! my car is 51 plate

My honest opinion is yes!

[paddymarsden]

Few, thank god im not in Manchester or Liverpool....not got either postcode though.

I think i shall be ringing you guys soon to see what you can do for me.

[shiftysg]

how about if you have been involved in accidents which were not your fault
basicly if you have no clams bonus and are only ninteen but been driving for over two cheers do you think you could still insure me with a modified 1.3 micra 1994

[Tim@Chris_Knott]

how about if you have been involved in accidents which were not your fault
basicly if you have no clams bonus and are only ninteen but been driving for over two cheers do you think you could still insure me with a modified 1.3 micra 1994

Yes!

erm. i have an exstensively modified micra....

its a 1275 cc super sport with just about everything done to it. the only thing left out of it would be a roll cage..lol
its got body mods, no interior, bucket seat, performance mods, bigger brakes, suspension mods, bigger wheels, etc etc etc
im 24, been driving 4 years, 4 years no claims, no convictions, no fines, i live in grimsby and the car is parked in a garage at night....
im also after fitting a turbo to the car...

would fully comp be under 1000 p-annum off the top of your head? oh ps i also do approx 25,000 miles a year..lol

im annoying i know.. but thank you for your patience.

Yes, please ring us! We're very friendly!

[Antony]

erm. i have an exstensively modified micra....

its a 1275 cc super sport with just about everything done to it. the only thing left out of it would be a roll cage..lol
its got body mods, no interior, bucket seat, performance mods, bigger brakes, suspension mods, bigger wheels, etc etc etc
im 24, been driving 4 years, 4 years no claims, no convictions, no fines, i live in grimsby and the car is parked in a garage at night....
im also after fitting a turbo to the car...

would fully comp be under 1000 p-annum off the top of your head? oh ps i also do approx 25,000 miles a year..lol

im annoying i know.. but thank you for your patience.

[pixieness]

I'm 25, passed my test in June 2006 and it's clean. I have 4 years NCB. I'm female and I'm a teacher. I'm not sure what's out there in terms of specialist teacher quotes, but there are several (I know Norwich Union do them). My insurance is due in January - how would a quote for me compare with specialist teacher quotes from other companies?

[curtis]

As he has stated, Ring them up and ask for a quote!! lol

[pixieness]

I don't like using the phone, so if I can get a quote on here then I'll try to! Just one of those weird things... never have liked using the phone. I do like texting though!

[James]

I don't like using the phone, so if I can get a quote on here then I'll try to! Just one of those weird things... never have liked using the phone. I do like texting though!

I'm exactly the same to be honest! I can't explain it!

[curtis]

Nah just ring up, nothing to be scared about...thats what they are there for, to help lol

[Simonh]

can u not insure 17 year olds at all?

[ollie240585]

can u not insure 17 year olds at all?

Think I can answer that one. If they could insure 17 year olds I don't think this would have been said.

The scheme starts for ages 21 and over for Comprehensive cover, & 19 and over for TPF&T cover. (However, we can also quote the 'market rate' to younger drivers).

[Tim@Chris_Knott]

can u not insure 17 year olds at all?

Well, we can quote you the standard market rate from the computer but it's not on this scheme!

[ollie240585]

Tim,

Do you work constantly? It's 9 o'clock and you're replying?

[Tim@Chris_Knott]

Tim,

Do you work constantly? It's 9 o'clock and you're replying?

Lol.
Not constantly but a few nights a week to keep ahead!

[ollie240585]

Lol.
Not constantly but a few nights a week to keep ahead!

Dedication.

Must get round to calling you guys tomorrow. I hate shopping around for Insurance so hoping you guys can do me a good deal.

So far best quotes been £700 TPFT, Just under £900 Fully Comp
MKII Ford Orion
Escort RS Turbo Conversion
Spax Suspension All round on -25mm drop
Scorpion Stainless Steel Exhaust System
Alloy Wheels (Soon to be Escort RS Turbo Series 2 Alloys)
23 Years Old, 4 years Driving, 1 years NCB (do have 3 years but being used on another policy)
Limited Milegae of 3,000 miles per year.

[Dewgel]

Tim,

I'm 19 in November, but not due for renewal for another 5 month.

Am I able to get a quote from you yet or do I need to wait until I'm 19, cheers.

Hoping I can get something better than £2,300 on a 1.0 Micra.. no crashes or anything against me.

[Tim@Chris_Knott]

Tim,

I'm 19 in November, but not due for renewal for another 5 month.

Am I able to get a quote from you yet or do I need to wait until I'm 19, cheers.

Hoping I can get something better than £2,300 on a 1.0 Micra.. no crashes or anything against me.

Have to wait till 19 but i expect we'll beat that quote by a fair bit.

[Dewgel]

Have to wait till 19 but i expect we'll beat that quote by a fair bit.

Excellent my friend, I hope I can reap the benefits

Look forward to giving your team a call mate, cheers.

[Kev]

Just took a policy out with Chris Knott and got my renewal quote down from £789 to £549!!!!

Excellent service and a very good policy. Very impressed.

thanks
Kev

[Kev]

'Message from Tim at Chris Knott Insurance'

I'd just like to wish all forum users a Happy Christmas & joyous New Year, and to thank you for using our insurance scheme!

We have had an extremely productive year which has surpassed all expectations and look forward to being of service during the next and forthcoming years. Hopefully, our sponsorship of this forum has helped the club also.

We will be shut on Christmas Eve afternoon from 12.30pm, Christmas & Boxing Day, New Year's Eve afternoon from 12.30pm, New Year's Day & the Saturday morning in between.

I personally won't be back until Monday 5^th January 2009.

The office telephone number is 0800 917 2274 or 01580 752961 if ringing by mobile.

Kind regards as ever
Tim
Chris Knott Insurance

[wgc_daz]

im 19 with a years no claims and a years driving experiance mods are sound enhancing backbox, induction kit and alloys. i live in a low risk crime zone with car parked on the drive. what should i expect to pay roughly?

chears dazza

[Tim@Chris_Knott]

im 19 with a years no claims and a years driving experiance mods are sound enhancing backbox, induction kit and alloys. i live in a low risk crime zone with car parked on the drive. what should i expect to pay roughly?

chears dazza

Thanks for the message.

Regarding the quote, could I ask you to ring the office please on 0800 917 2274 or 01580 752961 if calling from a mobile – Mon-Fri 9am till 5pm, Sat 9am till noon.
It’s just that I don’t actually do the quotes, as I spend a lot of my time travelling the country on business and work from home also.
We have a specialist team who should be able to help you based on the details you’ve stated.

Thanks!

[Tim@Chris_Knott]

We've had a good start to 2009 already, even better than last year which was an exceptional year for us.

If you're renewal is due in February, please don't forget to ring us and quote the club scheme reference number shown in my signature below!

[capnmchl]

Is the scheme completely for over 19's, or can named drivers be under 19?

[Tim@Chris_Knott]

Afraid not, sorry.

[Robert]

Just renewed through these guys, top service

[curtis]

Just renewed through these guys, top service

Hope you said you were from the msc?

[Robert]

Course I did