Insurance Noodle Declined My Customer

[gavros777]

She has a 2008 Suzuki Feranza. She's married and wanted to exclude her husband from her application, her previous insurance has lapsed/expired for 6 months and noodle said only safeco will insure her, then they email me a declined quote.
She was paying $227 a month with her previous insurance.
She only had 1 minor claim in the past.

Edit: I went to the safeco website to quote and they said you can't quote online if you exclude drivers you have to call them. noodle could have told me before they decline my quote, i'll try again.

 

[mmike160]

I'm not a P&C agent, but what if you added the husband and the customer agreed?

 

[gavros777]

I'm not a P&C agent, but what if you added the husband and the customer agreed?

this is what i'm gonna tell her to do thanks.

 

[Bertolinoins]

You should decline her as a customer as well. You will never make money writing those types of accounts. She has been lapsed for 6 months and her husband must have a brutal driving record... The chances of her staying on your books for very long are slim. Accounts like that don't belong with preferred carriers like Safeco or an agency that writes preferred business. She belongs with progressive, Bristol west, etc through a non standard agency.

 

[FLInsa]

You should decline her as a customer as well. You will never make money writing those types of accounts. She has been lapsed for 6 months and her husband must have a brutal driving record... The chances of her staying on your books for very long are slim. Accounts like that don't belong with preferred carriers like Safeco or an agency that writes preferred business. She belongs with progressive, Bristol west, etc through a non standard agency.

+1,0000000!

All my producers have direct orders NOT to insure anyone with the profile such as this prospect.

Not only will the policy you are writing for her cancel very soon, let me guess, she just wants minimum liability coverage (10/20) and NO uninsured motorist whatsoever right?

Yep.

Run away!

 

[Crabcake Johnny]

IMHO, she wants proof of coverage to satisfy either the lien holder or to get new tags. Run away.

 

[gavros777]

IMHO, she wants proof of coverage to satisfy either the lien holder or to get new tags. Run away.

yes her vehicle is leased lol