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I believe they are a formal sponsor of the site (correct me if I'm wrong)
 

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My understanding too, so yes, they pay for the privilege of being here.

No single insurance broker or company will be able to offer the lowest rates to absolutely everyone. We all are different in how an underwriter perceives the risk of insuring us. Age, driving record, postcode, car type, car value, accident and claims record, sex (oh, not sex any more, that's illegal), criminal record, inside leg measurement (you are still allowed to discriminate against short people, lol) - all these and no doubt more are factors taken into consideration.

Now - if you personally fall outside of the strategic underwriting risk profile being pursued by or constraining any specific broker, they will simply quote you a high premium figure to reflect that. Because:

If they simply refused to quote at all in order "not to offend you", you would have to disclose that to any other potential insurer, and that is a big black mark against you - i.e. being refused insurance by others. Remember the way insurance works, YOU have to disclose every single pertinent fact. This is called "Uberrima fides", or "utmost good faith".

So, by giving you a high figure they are politely requesting that you look elsewhere without damaging your prospects of actually getting insurance elsewhere.

That is how the industry works, and I simply cannot understand why anyone, in such a situation, decides it must be the broker at fault, It isn't. It is just how this business operates.

Any CII members or underwriters on here?
 

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I suspect that at least some of the "anti" sentiment being shown here relates to the incongruousness of CKI being on here. This is a forum for people who share a common interest and I for one don't like the presence of anyone who's ONLY reason for being here is to make money!! They have no interest in Jaguar cars.
I welcome the presence of Sturgess who clearly have a passion for the marque and any other commercial organisation related to our interest.
 

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John - without paying advertisers/sponsors, that would be NO forum. It is a fact of life we must be realistic about and live with.

If any one of the sponsors can offer you a service at a price you like great, if not, ignore! It isn't as if advertisements are in your face every time you log on, surely?

And, if I was to be truly objective about it, I fully understand that Sturgess' presence here is a marketing activity aimed at doing one thing - increasing sales. The fact that they go about it in a different way is just their business model working rather well.

I am just trying to be objective here.
 

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I can relate to your comments John but my main gripe is the bilge they keep putting on the site by way of bumping the various threads. This all consuming we're brilliant and the cheapest is just utter tosh, as I and many others have found out.

I get the whole idea of giving you a high figure so you look elsewhere argument but then just publicise and be honest about all the facts as in 'but anything valued at over £40K and our quotes more than likely will not be remotely competitive'. Don't give customers the false impression that they will be. They print all the so called 'Quotes from satisfied customers' well I'm just balancing things out as I've been through various quotes for both car and home insurance and none of them have been remotely competitive on a like for like basis. In one instance I have been left completely in limbo and am still waiting to hear back from CKI as they said leave it with us, we will contact some of our specialist underwriters and call you back, that was weeks and weeks ago and I'm still waiting. Bad drills!

A company has to accept there will be negative reviews from customers who have received a poor service or completely unrealistic quotes as well as the positive feedback from customers who have had a good experience. That's just the way of the world and seeing as we haven't become North Korea overnight there's nothing they can do about it, and quite rightly so.
 

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OK Wilf, I hear you. I'm nothing if not pragmatic!!! :D
(Just a thought. . . . . . . . . I wonder what a yearly subscription would be for the members to cover running costs? Not much, surely?)
 

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This Forum would be run by private money and be far better for it, as it was before it was sold to Tyre Forums and the commercialisation began. I know any number of us could singularly and easily fund the hosting, maintenance and administration costs to run the site.
 

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So, come on then, someone start a "Would you be willing to pay a small subscription?" poll. (I would but don't know how . . . . . . :eek: )
 

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This Forum would be run by private money and be far better for it, as it was before it was sold to Tyre Forums and the commercialisation began. I know any number of us could singularly and easily fund the hosting, maintenance and administration costs to run the site.
I have offered this before as I have run other forums at my own cost. That said, this doesn't bother me too much and it's too late either way. If Tyre Forums were to sell it would likely be for a largely inflated price.


Sent from my iPhone using Tapatalk
 

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Sorry guys, but it won't fly, because the site is not available to buy. I asked in the early days of the new ownership.

And starting again from scratch is, shall we say, "unappetising".

We have a great forum here, it is really hardly affected by our sponsors compared to most other sites, and the owners don't interfere with how we do things. Maybe we should be grateful for what we have?
 

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My understanding too, so yes, they pay for the privilege of being here.

No single insurance broker or company will be able to offer the lowest rates to absolutely everyone. We all are different in how an underwriter perceives the risk of insuring us. Age, driving record, postcode, car type, car value, accident and claims record, sex (oh, not sex any more, that's illegal), criminal record, inside leg measurement (you are still allowed to discriminate against short people, lol) - all these and no doubt more are factors taken into consideration.

Now - if you personally fall outside of the strategic underwriting risk profile being pursued by or constraining any specific broker, they will simply quote you a high premium figure to reflect that. Because:

If they simply refused to quote at all in order "not to offend you", you would have to disclose that to any other potential insurer, and that is a big black mark against you - i.e. being refused insurance by others. Remember the way insurance works, YOU have to disclose every single pertinent fact. This is called "Uberrima fides", or "utmost good faith".

So, by giving you a high figure they are politely requesting that you look elsewhere without damaging your prospects of actually getting insurance elsewhere.

That is how the industry works, and I simply cannot understand why anyone, in such a situation, decides it must be the broker at fault, It isn't. It is just how this business operates.

Any CII members or underwriters on here?

As a relative newcomer to the site can I throw in my two pence worth? I agree with wilf's post above, but can also see the other side of the arguement, particularly if your experience with a particular company is not a good one.

I for one would be happy to contribute to running the Forum, I can't see it would be a huge amount if shared by all the active members. Good value for money with the information and entertainment available IMHO! HOWEVER, I do not find the commercial organisations intrusive - I just choose to ignore them if I have no interest. If they did become too intrusive then I would certainly kick up a fuss!
 

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If you have no interest in what CKI have to say add it to your 'Ignore list'.
 

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I have every interest in what CKI have to say, as I find the reality and certainly my experiences have been vastly different from what their blurb and marketing hype would have us believe!

Interestingly this has been corroborated by several other forum members who have privately related similar experiences and dealings as my own. It is in the interests of transparency and presenting a balanced view for other Forum members or observers to form their own opinions and that all the feedback and experiences are given equal exposure, both good and bad.

Simply because someone or a Company pays money to advertise on the Forum doesn't mean they should be given a smooth ride and any negative aspects glossed over or ignored. If their product or services aren't up to scratch or as suggested then members have every right to say so and indeed it could potentially be very misleading if they didn't.
 

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Lest we not forget why this Forum was set up, because of the censorship, over moderation and bias towards sponsors on a certain other XF Forum.

Our Forum slogan 'Freedom to talk...' wasn't arrived at by accident and is the core principle of this fantastic site!
 

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I would be happy to pay towards the forum but thi is not an option

I just ignore the advertising but to be honest I don't really notice it much anyway

James
 

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Lest we not forget why this Forum was set up, because of the censorship, over moderation and bias towards sponsors on a certain other XF Forum.

Our Forum slogan 'Freedom to talk...' wasn't arrived at by accident and is the core principle of this fantastic site!
I havent been here long and find it a very helpful and informative site.
I used to be a senior moderator on a forum thethas been through the mill with regard to sponsorship/advertising/payment for certain sections etc. What did happen was the site became divided between those that did and did not pay. Thankfully the forum settled down but it too many years.
The freedom to talk you quote is a good one, most fora would say theyhad the same policy, however the context can be poles apart. To a certain extent it is clear that you have issues with CKI but your constant baiting... sorry, discourse to me seems like bullying rather than exercising your 'freedom to talk'.
As I say I havent been here long and I am still working out peoples 'personas', but if you were on the outside looking in as a moderator you would probably see a different side to the posts you have made.
I dont find the advertising on here in any way obtrusive, which compared to other fora is a welcome change, however I read what I like and post if I want to join in that thread, if I dont like a thread or it does not interest me, I dont read on. As well as the freedom to talk you also have the freedom to walk (metaphorically) to another thread.
 

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CKI are a specialised Insurance Brokerage that primarily underwrite modified cars owned by enthusiasts. Car forums are therefore the ideal places for them to find custom. They'll not double you premium or decline to quote just because you fitted stripes to the bonnet of your Mini! Once you deviate from the manufacturer's standard specification, or plunder the options list, choice becomes very limited. Try including the rear diffuser on a comparison site quote & it becomes 'exterior bodywork modifications'. Most of the quotes disappear and the remaining ones increase alarmingly.

The sponsors we have, Sturgess, Spires, CKI & Frank Pickles, are all a good fit with the forum imo. The banners are a work in progress at the moment & we should have some visual improvements over the next couple of weeks.
 

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Discussion Starter #60
So where does that leave us? ExFS - if we didn't get back to you with a satisfactory response I'm sorry. Others have commented accurately on the sentiment behind the phrase 'We're after what we're after' so I didn't qualify it further. For the avoidance of doubt, we have a specific criteria set by the insurance companies on our panel. Currently £40k is the upper limit but having said that sometimes we'll have a standard screen rate (outside the special scheme) that'll come up well for members with cars over that limit. It's not regular enough for us to rely on it so we don't. We're involved with this forum (any paying the owners for the privilege) to attract the members who definitely DO comply with the scheme criteria. After all, no one company insures or wants to insure 100% of the people.

Is that a full enough answer? If you have further concerns let's communicate by PM.

best,
Nick
 
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