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Insurance Renewal - Good thing!

C

carlmthompson

New member
Well,

After the minor prang earlier this year, I was expecting the worst for my renewal (due October).

Got my quote through from AON (who've been spot on with the claim), and guess what.......

EXACTLY the same quote as last year - £420.15.

Thought this was pretty good, but decided to do a bit of ringing around anyway, and managed to get an extremely good quote from Heritage:-

3000 miles a year (same as now)
Use for too and from work also (unlike now)
Breakdown cover included (unlike now)
Agreed value of £11k (subject to sending photo's - same as now)

and all for the bargain price of £347.50! Well chuffed!!!! Only downside is the excess has gone up from £100 to £250.

Oh and before I get anyone saying "well I only paid £32, and that includes a new 997 of my choice if I claim", I have four accidents to declare in the last five years - 2 fault from 2002 and 2003 (reversing into stationary cars - I am officially stupid) and 2 non fault from 2004 and 2005 (one payback for reversing into other cars, and one major shunt).
 
Insurance sure is a strange world [&:]

Four accidents in five years, one with a massive payout and you manage to renew at the same (or even less) premium???

They must have gonads the size of melons, I don't think I'd insure you. [:D][:D][:D]

It does prove that it you can get an agreed value policy with our older cars, and comply with the restrictions those policies have, then it really does pay dividends. Well done Carl.
 
Your all a buch of b*******[:D]

Seriously though, I think I have an accident magnet attached to my cars. I would be wary if I were on the road beside me - infact, is this why the Dyno day was organised to coincide with my holiday.... and all of the organised events are held 300 miles away.....hmmmmmmm
 
Bizarrely my quotation for the the Leon arrived today with a 27% reduction over last years premium. That alone should be cause for confusion, but I've just had it repaired after the wife had a minor prang. I only went through the insurance as said prang left a 3rd party with some damage, and he was claiming from us. Total repair for the two cars must have topped £1K.

This leaves that policy with 2 claims in 5 years. This is the maximum allowable for my protected NCB to remain intact (although of those claims occured in 2001 and will dissapear off their radar in 10 months time)...... but for a further measly £8 (!) I upgraded to "Guaranteed NCB" which allows me to have unlimited claims and still retain full NCB. [&:]

Confused of Glasgow..... must go lie down.
 
My insurance is up for renewal in two weeks and I received my renewal quote through, £548.00 with 7000miles limited and £600 excess. This is with Adrian Flux (up from £510.00 from last year).
Two weeks ago I went onto their website as a new customer and received a quotation of £442.00 with unlimited miles and £250 excess.

To me it's like the Halifax advert where all the good deals are 'for their new customers only'.

Anyone else with the same experiance?

Steve
 
This is my first year with Flux and I have somewhat more limited choices than you with my full A4 printed page of modifications, and also there is no way an online quote system would ever get close (it took Flux and the one other who actually quoted 3 days each to come back with a figure!)

I do get the impression they are pretty good though; an old-school insurance broker where you get to talk to somebody who is neither in Mumbai nor a spotty yoof forced into the job under threat of stopping their Giro but totally uninterested in cars. In other words a proper native English speaker who understands complex concepts like Devon is a county, not a modification, but intercooler is the reverse.

I'd give them a call and query the discrepancy - it's possible they made a mistake (or you did on the web form?) or that there is a genuine reason for it. If it's the latter then I'd personally rather pay £548 for real cover than £442 for a piece of paper that will be worthless if it comes to the "crunch".
 
£241 performance marque, fully comp me an missus, found them to be very good and professional and supportive with valuation. Brummie accent...but you can't have everything can you!!??[;)][;)]

(no connection to company just a happy customer)
 
Fen,

After I received the quote I called them up and went through the policy and it is exactly the same as last years except I am not limited on mileage and a greatly reduced excess.

Steve
 
I'm surprised at just how much more I pay for my S2 over my 1983 944. I paid £180 for the early car and when I substituted this with my S2, the premium increased to £422 for identical cover, which seems a big jump to me. I suppose that the message that comes across from previous posts is that different insurance companies all use extremely different and ever-moving goal posts to each other,
 
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