i've gone with Chris Knott this month on the GTA with mods declared - B8s, q2, exhaust and 18's. Limited mileage 1.5k...
I'm 39, decent post code, 11 years NCD and it's a 2nd car - £350 ish but the real issue is it's a right PITA.
The confirmation email contained 9 bloody attachments, half of it additional marketing. Pretty easy to miss the important stuff.
They want a copy of your license and a sharing code from the dvla which is case sensitive. Why?! Nonetheless I could take some pics of it, fiddle with the DVLA website, get the code and email them?
But my Dad's also on the insurance so I needed his license and his NI code which he doesn't know off hand. So that was 2 phone calls and 2 trips to their house to sort out. And he's driven the car like twice in the last year. He only wants to be on it so he can shuffle it about between mine and his house without worry.
But then they also want a signed declaration of the mods. So do you post it or scan it in and send it over? or just post it all. But then the DVLA code is case and time sensitive. Screen shot that and print it?
Which requires a printer and a scanner. I've been faffing about in work scanning and emailing things from printer to work computer and from there to my home email address.
They also want a copy of my renewal notice which includes NCB AND the renewal cost including excess... Which I only have electronically.
8 days later i'm still effing about with it.
And then I didn't want to pay up front for all of it as I've just bought a house and money is tight. Pay monthly?
Ok. But it's a 100+ deposit and whilst they confirm the monthly payment amount they don't tell you it's 30%+ interest rate (until you've verbally signed up and listening to a recording). Plus you have to effectively open an account with a separate credit firm, sign into an account, confirm this and that and I'm still not sure if I need to print (another trip into work to abuse their equipment) the agreement out, sign that and send it (to somewhere else). By email or snail? Email means sending it from work, to home email Then to the dodgy brothers... FFS! If I'd have known, I'd have paid for it up front!!!
I've taken tomorrow off to sort it out as I wouldn't have enough time to do it otherwise - work is mental and I've got a wedding this weekend.
In addition, I really wanted an agreed value of 15k but the hoops to get there are ridiculous. Photos, adverts, club valuation.... Which would mean signing up with the AROC - an additional cost and with so few of them about it's totally subjective anyway giving plenty of wriggle room.
(Had a bad day...)