The Mégane II Owners' Club

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 - https://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 50bhp.

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. For small performance hot hatches over 170bhp, the minimum age is 30 and you must have owned the car (or identical group) for at least 12 months.

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 premiums £250 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!

Aye the big insurance scam again, taking hundrends of pounds off you for what exactly, when you do need them they send you to the cheapest bodyshop to get your work done, we have 2 cars in our family both have had to have insurance claims on them over the past 8 years, my wifes car needed a new wing, H/lamp and wheel trim, when the car came back no wheel trim, covered in over spray and door seals missing, wing repeter did not work head lamp pointed at the sky, paint sags on the new wing, insurance Company Not interested all they cared about was the excess paid and the job was done, didn't care about the standard of work, it took 5 months of moaning and threats of legal action to get the car right.....
My car was hit whilst parked up, needed a bonnet, H/lamp and bumper, again insurance paid job what a disaster, more runs, more over spray, again badly adjusted head lamp, it took 4 visits to the bodyshop to get this car right, each time I had to listern to insurance Company threats about extra costs, extra cost for what just trying to get my car back to its origonal condidtion, or should I have just been happy with the substandard insurance work. after all 8 years on an average of £250 per year insurance with 1 claim, that the other Company paid for anyway in full.
Zurich was the biggest joke last year insurance was £230 fully comp, renewal came through £310, up by £80, why I asked, the answer "becasue it is a convertable", my answer well it was a convertable last year as well in fact it has been a convertable since its birth in 2004, thier reply "trouble with convertables, is people take the roof of them" NO, I don't belive it, the roof OFF why? Proof of just another insurance blagg to scam more cash out of you.
When you look and the terms above it makes you realise the only way they can dictate these stupid rules is because we as motorists have no choice, by law we have to have insurance, I think it is called a captive market, the one that made me laugh the most was:
No more than 1 SP/PC/PL conviction offence per driver and no fault claims in the last 12 months.
How can you actually hold a no fault claim against the driver, it is what it says, NO FAULT, mine was a no fault claim, my car was legally parked, broad daylight, with space all around it, yet this fool in his car reversed into it basically driving like a idiot, s ohow can I be held responcible for some one elses fault, seem to me just another ploy to up your premium again as they now charge you for other drivers faults. Soon they will carging you if your car has one or more wheels......
Con men the lot of em.

ChrisM wrote:Aye the big insurance scam again, taking hundrends of pounds off you for what exactly, when you do need them they send you to the cheapest bodyshop to get your work done, we have 2 cars in our family both have had to have insurance claims on them over the past 8 years, my wifes car needed a new wing, H/lamp and wheel trim, when the car came back no wheel trim, covered in over spray and door seals missing, wing repeter did not work head lamp pointed at the sky, paint sags on the new wing, insurance Company Not interested all they cared about was the excess paid and the job was done, didn't care about the standard of work, it took 5 months of moaning and threats of legal action to get the car right.....
My car was hit whilst parked up, needed a bonnet, H/lamp and bumper, again insurance paid job what a disaster, more runs, more over spray, again badly adjusted head lamp, it took 4 visits to the bodyshop to get this car right, each time I had to listern to insurance Company threats about extra costs, extra cost for what just trying to get my car back to its origonal condidtion, or should I have just been happy with the substandard insurance work. after all 8 years on an average of £250 per year insurance with 1 claim, that the other Company paid for anyway in full.
Zurich was the biggest joke last year insurance was £230 fully comp, renewal came through £310, up by £80, why I asked, the answer "becasue it is a convertable", my answer well it was a convertable last year as well in fact it has been a convertable since its birth in 2004, thier reply "trouble with convertables, is people take the roof of them" NO, I don't belive it, the roof OFF why? Proof of just another insurance blagg to scam more cash out of you.
When you look and the terms above it makes you realise the only way they can dictate these stupid rules is because we as motorists have no choice, by law we have to have insurance, I think it is called a captive market, the one that made me laugh the most was:
No more than 1 SP/PC/PL conviction offence per driver and no fault claims in the last 12 months.
How can you actually hold a no fault claim against the driver, it is what it says, NO FAULT, mine was a no fault claim, my car was legally parked, broad daylight, with space all around it, yet this fool in his car reversed into it basically driving like a idiot, s ohow can I be held responcible for some one elses fault, seem to me just another ploy to up your premium again as they now charge you for other drivers faults. Soon they will carging you if your car has one or more wheels......
Con men the lot of em.

Sorry, this applies to anyone with a fault claim in the last 12 months. (Non-fault claims are fine).

Hi
My apologies for being away from the forums for so long. We have had a few internal changes.

March is a very busy month for insurance renewals so please feel free to ring us if your car insurance is due for renewal in the next few weeks.

In 2010, we recorded an average saving of 10.5% off our new customers quotes elsewhere and we have just had an extremely good first 2 months of the year – surpassing our target by quite a vast amount!

In fact, we were already two thirds to our February target a quarter of the way through the month!

It is great to see people ringing us up but we would like every possible person who fits the criteria to at least ring us on the freephone number and hopefully see the benefits that so many other people are seeing.

Please phone on 0800 917 2274 or 01424 200477 for mobiles and don’t forget to quote the club reference number found in my signature below.

Also, please can you give me your feedback regarding the quote on here as we see so little feedback compared to the number of people who ring us for a quote!
The figures show a good number of people ringing but only a handful ever post!

Hi

Whilst the insurance market seems to have hardened over the last 12 months or so, we have always worked hard on our customer service and it’s nice to see comments on the forums of people being satisfied with our efforts. We endeavour to assist customers to our utmost and trust this is a major reason why people renew with us year after year.

Bearing this in mind, please feel free to contact us for a quotation on your car (and home!) insurance when they are due. We would be more than happy to quote for you.

Minimum primium is £250, I bet it isn't this year as car insurance has shot up more like £320, they always whinge about losing money, yet I have driven for 30 years now with one accident in my 1st year so that really equates to 29 years accident free apart from some idot woman reversing into my parked car a few years back, to busy chatting on her phone, for me though not even a windscreen claim, I am sure there are also a lot more drivers out there like me, this car I have now 1st year £230, last year £220 that equals in two years the insurance trade has made £450 out of me and gave nothing back so both Zurich and the Post office insurance made 100% profit out of me alone - a bit of admin, This year it is Aviva at £210 it will all change again next year as none of these Companies want repete custom, the post office this year wanted £370 as a cary on customer, how on earth do you go from £220 to £370, thier excuse for the up "you must have had an accident" to do that to me firstly I msut have had to relaise I have had the accident and secondly report it to them, none of which occured, so I supose we are back to Zurich crappy excuse as well "its becasue it is a convertable" all lame excuses to up your insurance as if making 100% profit from you is no longer enough for these companies.
£250 is adiquate insurance for most Renaults lets face it they are not exactly in the "sports " range are they, nor are they really on the pinch list the only ones which are fun and nickable are the renault sport range, and at the tender age of 48 I am not really a flyboy anymore those days have long gone so all I can say to insurance companies is stop screwing us to make your profits higher, as even I am starting to think now about a windscreen as I am paying over £200 for insurance may as well blag a screen out of em for £75 before they try and scam me for over £350 next year if nor more, and that is something I thought I would never think of doing! now I am starting to feel I want something back for all the cash I just give insurance companies every year for a sheet of paper

Great that i am 21 3years NCB in July no mark on my personal record but a mark of a non fault claim of someone driving on the wrong side of the road into my car but... If I were 22 with 0years or 1year NCB it would be fine... I think I am better bet but personal opinion and I dont expect a pointless reply as much like all insurance companies you haven't really answered what people have said...

jamhops wrote:Great that i am 21 3years NCB in July no mark on my personal record but a mark of a non fault claim of someone driving on the wrong side of the road into my car but... If I were 22 with 0years or 1year NCB it would be fine... I think I am better bet but personal opinion and I dont expect a pointless reply as much like all insurance companies you haven't really answered what people have said...

Unfortunately we have to adhere to the criteria in order to 'protect' the scheme. You could never make a claim throughout your driving history but the insurers don't know that.

Personally i agree with what your saying but the insurers have their stats and work by them.

Just had a quote, my renewal from my existing insurance company is about £750 and this broker couldn't find anything less than £1000, no harm in trying I guess

Looks like I'll be using Chris Knott this year!
My renewal came in at £600, best quote from the comparison websites was £530.
Last gasp effort by Adrian Flux got it down to £465. No way anyone would beat that.......or so I thought.
£442, protected no claims and legal cover included. The only slight issue is the high deposit, but then it's so much cheaper for the next 10 months.

Do you participate in the selling of accident details to these claim vulchars? you know the ones that ring you constantly pushing you to make a claim for years after, and if they can't get you they sell it all on to another company who then bombard you with calls and texts and so no for up to 5 years.
I am not suprised car insurance is so high when you actively pushing people to make claimes through these companies, I was amazed how hard I was being pushed to say I had whip lash from my accident, What made it worse was the fact and a well documented fact through out the claim I was NOT in the car at the time it was parked up, this was outlined in all the staments to insurers yet I was still pushed by these dodgy companies to say I had whip lash, isn't there a name for that in your industry when you make a false claim?? now either mine or the womans insurance company have sold these details on if not both so that I can make a false claim against the lady for whip lash!
Also Why do insurance Companies now charge for curtosey cars? on average now around £30 on your policy, I have been driving for over 25 years and have never been charged for this car until last year!
Driving abroard on average between 30/60 days a year (on fully Comp ins) been free for decades from last year chargeable!

So what with selling on claims, upping premiums and finding more "chargeable" bolts on's like above insurance companies are on a good scam with the motorist and there is nothing we can do as you know, but it is not a bottomless pit as the price of owning a car sky rockets more of us are dumping them which mean we wont need your insurance, they will never go out of fashion all together but I think will be reduced on the roads so people that work in the car industry are under presure like myself and so are you my friend our days could well be numbered, pricing yourselves out of public reach in the name of profit will not help, renewals of around £600/£750 for a renault - madness.....
Insurance Companies always blame the hike on un insured drivers and the fact there are more and more on the road but ask your selves why could it be your totally mad pricing, more and more not being able to afford your prices yet still have to get to work, so you hike up your price again to cover them making it harder for the rest of us to find the cash so more of us go un insured, perhaps we should loby the government and make car insurance optional like some Europeain countries, that would be well worth watching some of the big insurance names squrm!!

Insurance companies have us all over a barrel when it comes to pricing. I think it is a bit like think of a number when it comes to your re newal quote then there must be a sweepstake on in the office to see who can get the most money out of the customers in a week! There are so many different excuses for not paying out even when it is not your fault and if they can't trace the other driver then you are held partially responsible even though you were not at all the cause of the accident. I even know of Direct Line not paying out because there were no white lines in the centre of the road,( a country road!), because they said it was not an adopted road??? and they had no way of knowing which party was not on their own side of the road. What rubbish!!
There needs to be an investigation onto the pricing of car insurance and soon, but not by the insurance groups themselves, by an independant body and then maybe something would be done? Hmmm not going to happen me thinks!

I think I used chriss knotts when I had my MG B GT through the mg club although that may have been the previous owner as was with the mg owners club insurance as well later.

There was a select commitee on the price of car insurance it now long on i player no where ovious on you tube. It does seem insurance keeps going up but previous government ad number of the stealth taxes to car insurance companies to cover the costs of uninsured including cyles. Also from what understand its more on personal injury that property repair and cost. Tax personal injury pushing prices up etc.

Not something that ever really looked in to though as been lucky been driving since 17 (now 34) never had any accidents or points so insurance has never been so bad. When was 24 had fully comp buiness insurance eurpean cover cost 250 or something when others were paying double on tiny engined newish hatch. Although having said that my insurance in current company properly is not commetitive as used for a number of years. Prices always seem to creap up above market rate if dont change kinda like a loyalty charge -).


https://www.parliament.uk/business/commi ... insurance/