QuoteMeHappy denying to insure my Kodiaq

All Skoda Kodiaq related discussions
xpf2003
Posts: 14
Joined: Sun Aug 02, 2020 8:48 pm
Location: London

QuoteMeHappy denying to insure my Kodiaq

Post by xpf2003 » Wed Nov 11, 2020 2:04 pm

I was so happy these last couple of days now that I have got my hands on my brand new Kodiaq only to have my mood ruined by QuoteMeHappy who are denying to insure my brand new Kodiaq.

I have a personal number plate, nothing fancy, regular one with some letters/number chosen to my liking. My first problem and this is where I would like to know the experience of other people is almost every insurance comparison website failing to recognise the car's number plate. If I go to DVLA's website and search for my number plate, it shows up fine. But not on the insurance comparison website or on QuoteMeHappy's website.

I then supplied QuoteMeHappy with all the details and they have come back saying they are unable to insure this vehicle. I have an option to do this online by selecting make/model myself but they do not list SE L 1.5 TSI DSG 7 seater model.

I am able to get quotes from comparison website by selecting make/model manually but that is returning expensive quotes (more than double of what I am paying now) so not keen to go down that route.

My complimentary insurance runs out in another day so have to move fast one on this.

Any suggestions? What have been your experiences?
SE L 1.5 TSI DSG

old man
Posts: 508
Joined: Sun Aug 19, 2018 7:23 am
Location: Somerset

Re: QuoteMeHappy denying to insure my Kodiaq

Post by old man » Wed Nov 11, 2020 3:09 pm

With regard to your plate, I've had a personalised plate for 10 years which has been on 5 different cars and with probably 3 different insurers.
I've never had a problem with it, so God knows why Quote you Unhappy are giving you grief.

There has to be an insurer out there that will get close to your current quote. You know yourself that when you use a comparison site, there's rarely much difference between the first 4/5 quotes.
Try some companies that aren't on comparison sites e.g. Aviva, Rias, NFU and Saga spring to mind. Saga is for the over 50's and I've just reinsured with them this year with a guarantee to keep the same premium for 2 more years after this one.
What about Dan @ Adrian Flux who advertises at the top of the page on this site. Don't know if he's any good, but might be worth a try.
You've put yourself under pressure by leaving it late, but there's bound to be a decent deal out there for you.

Just a thought, try entering your number plate into a tyre buying site and see if it's recognized. Maybe there's a problem with the national insurance database.

xpf2003
Posts: 14
Joined: Sun Aug 02, 2020 8:48 pm
Location: London

Re: QuoteMeHappy denying to insure my Kodiaq

Post by xpf2003 » Wed Nov 11, 2020 5:50 pm

Thanks "Old man".

Just fiddling around QuoteMeHappy website, I noticed that if I choose year of manufacturing as 2018 they actually show the model of Kodiq that I am after. But if I choose 2020 (the year it was actually manufactured in) then my model is not in the list.

I wonder if by year of manufacturing they mean the year the model was launched?
SE L 1.5 TSI DSG

old man
Posts: 508
Joined: Sun Aug 19, 2018 7:23 am
Location: Somerset

Re: QuoteMeHappy denying to insure my Kodiaq

Post by old man » Wed Nov 11, 2020 6:22 pm

I wonder if by year of manufacturing they mean the year the model was launched?
Mmm, not convinced about that as it would seem that the SE L was available before 2018.

Whilst I realise that what we shop for is all down to personal needs and wants, in my case I'd definitely be kicking Quote Me into touch and choosing another insurer. Their database would not appear to be up to date and I'd be wondering how I'd be treated if I had to make a claim in the future if they don't currently have their finger on the pulse.
If you're currently at home this evening and internet searching is easy for you, I'd definitely be looking for a decent deal elsewhere.

Just my pennyworth ;)

FoxtrotAlpha
Posts: 888
Joined: Thu Jun 22, 2017 10:57 am

Re: QuoteMeHappy denying to insure my Kodiaq

Post by FoxtrotAlpha » Wed Nov 11, 2020 6:32 pm

My first Kodiaq was a new 17 plate and Quotemehappy insured that no problem, the renewal cost was stupid as they increased it by 40% without any claims being made, I found that M&S were the cheapest in the end.
It's a 'Kodiaq' and not a 'Bear' unless you are 5 years old.
Kodiaq Sportline - 150 TDI - DSG 4 x 4 - Quartz Grey

scratch113
Posts: 205
Joined: Fri Jan 25, 2019 7:59 pm
Location: South West UK

Re: QuoteMeHappy denying to insure my Kodiaq

Post by scratch113 » Wed Nov 11, 2020 6:40 pm

Have you had a look at Money Saving Expert here:
https://www.moneysavingexpert.com/insur ... insurance/

Lots of good advice about how to get the best price on insurance. For the best use of comparison websites, they advise using MoneySupermarket, Confused.com, GoCompare and CompareTheMarket in that order. Then it mentions also checking those that aren't on comparison sites, such as Direct Line and Aviva. It's also worth investigating multicar deals if you're in a household with more than one vehicle, even if the other one isn't due for renewal right now.

I've been with LV on a multicar for the past couple of years, despite the advice to never just auto-renew. I still shop around in the month leading up to renewal - apparently statistically the "sweet spot" to get the best quotes is around 21 days before renewal.

Hope that helps and you get it sorted soon!
New car: Kodiaq Sportline 2.0TDI 190 4x4 DSG
Previous:
2016 LR Disco Sport HSE Lux
2008 Audi A5 3.0TDI
2003 Audi S4 4.2 V8
1998 Audi A4 2.8 quattro
1995 Audi A4 1.8T Sport
1992 VW Golf Mk3 1.9 TD
1990 Ford Escort Mk5 1.6 LX
1983 Vauxhall Astra Mk1 1.3 S

User avatar
Colin Lambert
Posts: 3383
Joined: Tue May 10, 2016 10:40 am
Location: Poole Dorset

Re: QuoteMeHappy denying to insure my Kodiaq

Post by Colin Lambert » Wed Nov 11, 2020 7:48 pm

I have always insured with AVIVA. my2017 1.4 DSG SE L was no problem and not very expensive. no point in telling you what it cosy me as I doubt if you are my age, live in the same area etc etc etc .

Aviva have always been super efficient. I have had 2 prangs while insured with them. Never a problem. Dealt with speedily with no fuss.
Avoid like the plague Lloyds Bank (and probably every other company offering insurance that are not actually insurance companies. John Lewis M&S etc. They do not hablde the claims themselves and you end up dealing with 4 or 5 different conyacts (in the case of Lloyds at leasT) It nearly drove my other half int a nut house. They took nearly a year to settle a simple write off (caused by the 3rd party) with medical cost for genuine severe whip lash.
Also you can forget NFU they are RIDICULOUSLY expensive. Over £100 MORE than Aviva.
If Quote me happy can't even find your care on the DVLA data base what does that tell you about their efficiency? Apart from that their name is ridiculous and obviously incorrect!!!
Good luck.
Moderator
Sportline .1.5DSG. Race Blue. S/s spare, KAROQ. :shock: EX Kodiaq SE L1.4 DSG.
Diploma in Automotive Engineering.
Retirement is wonderful, it's doing nothing without being caught out! :lol:
[color=#00

JamieK
Posts: 57
Joined: Sat Sep 05, 2020 6:42 pm
Location: Stirling

Re: QuoteMeHappy denying to insure my Kodiaq

Post by JamieK » Wed Nov 11, 2020 10:17 pm

xpf2003 wrote:
Wed Nov 11, 2020 2:04 pm

My complimentary insurance runs out in another day so have to move fast one on this.

Any suggestions? What have been your experiences?
I have the 2020 1.5tsi DSG Sportline and there are still several insurers who do not recognise that model. ( some of them refer to it as a 4wd which to the best of my knowledge, never existed - that was the 1.4 from over a year ago. )

Not all insurers use the same database so there are times when a car isn't recognised. I'm insured with Aviva who owns QuoteMeHappy and General Accident insurance. I'm pretty sure when I was looking for quotes, QMH said they couldn't insure me yet CompareTheMarket, Confused and GoCompare all gave me a price for QMH :roll:

No insurer could find my car as it hadn't even been registered with the DVLA when I looked for insurance but no worries, I manually entered the details on the system.

If I were you, I'd just go with whatever car is the nearest comparison. You can always phone up later and ask them to double check. If there is anything amiss then there's always the14 day cooling off period and you can go to another insurer.

To be fair on the insurance industry, there are so many specific models these days it's no wonder the databases are not always 100% accurate. In the grand scheme of things it doesn't really matter what the exact model is as the premium or risk will be the same.

xpf2003
Posts: 14
Joined: Sun Aug 02, 2020 8:48 pm
Location: London

Re: QuoteMeHappy denying to insure my Kodiaq

Post by xpf2003 » Wed Nov 11, 2020 10:51 pm

Not all insurers use the same database so there are times when a car isn't recognised. I'm insured with Aviva who owns QuoteMeHappy and General Accident insurance. I'm pretty sure when I was looking for quotes, QMH said they couldn't insure me yet CompareTheMarket, Confused and GoCompare all gave me a price for QMH :roll:
I have gone back to QMH stating exactly this and how ridiculous it is that you deny your existing customers insurance but offer it on the same model via comparison websites.
No insurer could find my car as it hadn't even been registered with the DVLA when I looked for insurance but no worries, I manually entered the details on the system.

If I were you, I'd just go with whatever car is the nearest comparison. You can always phone up later and ask them to double check. If there is anything amiss then there's always the14 day cooling off period and you can go to another insurer.
I am changing the car on my existing policy so not sure 14 days cooling-off period applies.
To be fair on the insurance industry, there are so many specific models these days it's no wonder the databases are not always 100% accurate. In the grand scheme of things it doesn't really matter what the exact model is as the premium or risk will be the same.
Strange you say that. Will the insurer not use this as an excuse to not pay up when I make a claim?
SE L 1.5 TSI DSG

User avatar
Colin Lambert
Posts: 3383
Joined: Tue May 10, 2016 10:40 am
Location: Poole Dorset

Re: QuoteMeHappy denying to insure my Kodiaq

Post by Colin Lambert » Thu Nov 12, 2020 10:19 am

They sound a right mickey mouse set up to me. Not with my bargepole!!!
Moderator
Sportline .1.5DSG. Race Blue. S/s spare, KAROQ. :shock: EX Kodiaq SE L1.4 DSG.
Diploma in Automotive Engineering.
Retirement is wonderful, it's doing nothing without being caught out! :lol:
[color=#00

Post Reply