I've had a few questions from fellow club members following a post on "996 Market value" thread so I thought I'd start another on this spin off topic for possible benefit of others.
I recently had to renew having enjoyed (and fortunately claim free!) insurance with Swift.com. I found them initially very competitive for the first year with a fully comp premium of around £440 for an '02 C4S. I'm 35 yrs old, no convictions, maximum NCB protected, garaged etc so I'm as clean as they come (fingers crossed). Things got a bit pricier upon my invitation to renew so I shopped around and more importantly asked some questions along the way which influenced my decision of where to insure. I didnt take the cheapest quote this time (though not a huge disparity) due to the following; I asked each insurer where my car would go in the event of a repair- most said their "approved repairer". I confirmed after some robust questioning that these repairers are not neccesarily Porsche approved, in other words come part ex with a dealer they would be wanting £££'s off for non approved parts/paint etc. It would also stand to invalidate warranties. Some of these insurers would not be moved other than to say I could select a garage of my choice but I WOULD HAVE TO PAY THE DIFFERENCE over and above the price given by their non approved repairer. I think most of us would find this unacceptable. The insurer I eventually chose who met and understood my needs and were'nt far off the mark with price was Norton Insurance via one of the brokers in the Porsche Post. Much to my amusement one of our full colour page advertisers didn't answer the phone to their advertised number for a quote on 3 consecutive days????? I'd hate to have a claim with them!
When I bought the car which came from my local indie I bought a 3 year warranty with it which my indie recommended from his experiences with them. It is a firm called Autoprotect. I haven't had to put it to the test yet, has anyone had any experiences with them good or bad?
As part of this I bought some "Gap" insurance. This wasn't something I'd come across before and for those like myself what this is for is to insure the total value of the car in the event of a total loss; ie it makes up the gap between the current market price the insurer will pay out and the price you paid on the car. This was £370 for three years which I thought was prudent and good value potentially clawing back ££££'s. I hope this answers members questions re this. I'd be interested with all experiences you may have had relating to these topics, cheers.
I recently had to renew having enjoyed (and fortunately claim free!) insurance with Swift.com. I found them initially very competitive for the first year with a fully comp premium of around £440 for an '02 C4S. I'm 35 yrs old, no convictions, maximum NCB protected, garaged etc so I'm as clean as they come (fingers crossed). Things got a bit pricier upon my invitation to renew so I shopped around and more importantly asked some questions along the way which influenced my decision of where to insure. I didnt take the cheapest quote this time (though not a huge disparity) due to the following; I asked each insurer where my car would go in the event of a repair- most said their "approved repairer". I confirmed after some robust questioning that these repairers are not neccesarily Porsche approved, in other words come part ex with a dealer they would be wanting £££'s off for non approved parts/paint etc. It would also stand to invalidate warranties. Some of these insurers would not be moved other than to say I could select a garage of my choice but I WOULD HAVE TO PAY THE DIFFERENCE over and above the price given by their non approved repairer. I think most of us would find this unacceptable. The insurer I eventually chose who met and understood my needs and were'nt far off the mark with price was Norton Insurance via one of the brokers in the Porsche Post. Much to my amusement one of our full colour page advertisers didn't answer the phone to their advertised number for a quote on 3 consecutive days????? I'd hate to have a claim with them!
When I bought the car which came from my local indie I bought a 3 year warranty with it which my indie recommended from his experiences with them. It is a firm called Autoprotect. I haven't had to put it to the test yet, has anyone had any experiences with them good or bad?
As part of this I bought some "Gap" insurance. This wasn't something I'd come across before and for those like myself what this is for is to insure the total value of the car in the event of a total loss; ie it makes up the gap between the current market price the insurer will pay out and the price you paid on the car. This was £370 for three years which I thought was prudent and good value potentially clawing back ££££'s. I hope this answers members questions re this. I'd be interested with all experiences you may have had relating to these topics, cheers.
