Moley_WRX

Kleers is very good stuff. Cleans the car really well, leaves a great shine, and smells lovely!

The thing about Subaru's being the lowest claimed on vehicle is something we've know for a few years, hence our competitive prices (i like to think, lol) The aren't the lowest claimed on vehicle by a long way, there are lots of makes that were missed off that list (supercars for example) The problem is the amount paid out, rather than claims ratio. A claim on a Subaru tends to be a big one (ofter a write off) as the accidents tend to be higher speed ones, rather than bumper to bumper nudges.

The two biggest factors are postcode and experience really. Mileage is another one, as some companies offer very cheap prices if the car is doing less than 5000 miles per year. The single biggest factor is probably the postcode though.

Thieves? Well done on getting a cheap quote, but if you put your details on here for others to see I'm sure they'll agree that quote is amazingly cheap. ScoUK... I like to think I'm very supportive of the club, but sometimes I'm up against a quote that I just can't get close to. I don't think any insurer will guarantee to be the cheapest on every quote they do.

Have replied to your pm, it didn't have details of who dealt with your policy or your details, so i couldn't check anything

Always a pleasure to help

It is similar, but two different policies, often with two different insurers, so different to what Admiral etc offer

I have no idea who'd have told you that. Enless you were renewing with someone else, then we'd only send you proof of the 1 year

Yes, assuming there are no claims of course

Are you sure we didn't mirror it? Pm me your details and i can check.

Really? As we prefer modified cars to standard ones. Also, we don't do multi-car policies, but can mirror your NCB onto a second vehicle

Changed mine a few weeks ago. Bit of a pain to get to, but can be done easily enough

It's well insured ;-)

I bought this as a winter hack....

No probs, even though i work in the industry i still pay over £1k per yer on insurance (more than 1 car), so even i wish it was cheaper. It doesn't help with some of these internet companies throwing random prices around. I am trying to find ways of making it easier to get hold of me, but it is something that still needs working on i admit. We can offer rates for higher risk postcodes, but the insurers will want to cap the miles to under 5k per year to lower the risk of the vehicle being in an accident, and in Steve50's case he wanted more miles, so we couldn't get him on that scheme.

ScoUK - sorry you feel that way, but we are actually regulated by the FSA What does need to be controlled is the increase in PI claims. The amount of claims over the last 10 years has reduced, but the costs of these claims are going up.... as almost every accident now had PI involved. Insurers are actively trying to reduce this, but the law is on the side of those claiming. Therefore if anything needs to be changed it's the law.... or the 'no win no fee' culture we as a country seem to be adopting from America.

Unfortunately Birmingham AND it's surrounding postcodes have a huge problem with personal injury claims, pretty much the worse in the country. By not covering such high risk areas we keep our claim costs down, therefore being able to cheap prices for 90% of the country. Apologies that it took a while to get hold of me, but as you can appreciate i do tend to get very busy at times.

Loving Forza at the moment, in a different league to GT5

Glad to help

Glad i was able to help Tony Kim - pm me your number and i'll ring you for a quote (or e-mail it to gary.m@keithmichaels.co.uk)

Yep, am in Monday

The cynic in be would think they've signed up a nice little deal with a no-win-no-fee company who'll do very well out of the non-fault claims.

wrx kenny - your mods will also be covered like-for-like on the Keith Michaels policy. According to the lastest figures, in 2010 there were 400,000 whiplash claims (ignoring all other personal injuries, repair costs, theft payouts, hire cars charges etc...) at an average payout of £5k, so that has cost the insurers £2bn.... or 20% of all premium paid last year, hence the increases.

Lots of the 'big' insurers don't want to insure these cars now, so put their renewal prices up to push people away. You're much better off speaking to the specialist companies, such as Keith Michaels (of course!!!), A Plan, Greenlight etc...