Insurance time again

[polar964]

ORIGINAL: mcgc0

My turn for a renewal quote... following criteria:
- 1990 C4
- LU6 postcode (village outside of Leighton Buzzard - new home)
- Age 53 years
- Garaged
- Full write-off claim last year

Here's where I ended up:
- Norton/Heritage brokers
- Chaucer Insurance (my current insurers and the ones who paid out for the write-off on the way to Le Mans last year)
- £381 / annum premium
- £350 excess
- 5k annual mileage (3k mileage was £305 annual premium)
- Track day cover included (£1k excess)
- EU breakdown cover included
- Legal protection/cover included
- Agreed £20k valuation

To be honest I can't fault these guys. My current London postcode (garaged) still only came in at £420 too. When I punted my other C4 into a wall on the way to Le Mans last year Heritage and Chaucer were absolutely brilliant - immediate replacement car (diesel Golf not what I was thinking of entering the Porsche Curves site with though), with fast repatriation of the creased C4 to a garage of my choice. Full agreed value pay-out (on a write-off) and 30% buy back for salvage (standard small print). And they still came in cheaper than all other after a full day of quote ring-rounds today - including all the companies mentioned in other replies..!

Marcus

Good news Marcus.
Its reassuring to know that there are insurance companies out there who deliver when really needed.

 

[Dekker]

Norton/Heritage

Thanks for posting that info Marcus. I just phoned them and got my best quote.

 

[Steve Brookes]

Guys, in case you hadn't noticed, Marcus' post was in May and Richard revived the thread this week (19 Sep). []

 

[polar964]

ORIGINAL: Steve Brookes

Guys, in case you hadn't noticed, Marcus' post was in May and Richard revived the thread this week (19 Sep). []

Good spot Steve,
This forum isn't as active as it used to be

 

[colin129]

ORIGINAL: Steve Brookes

Guys, in case you hadn't noticed, Marcus' post was in May and Richard revived the thread this week (19 Sep). []

Talking of reviving old posts:

ORIGINAL: colin129

Anyone tried that new club sponsor broker they were encouraging us to contact in the latest PP?

Anyone? How does it compare to Classicline?

 

[supersport]

I swtiched to Locktons and got an excellent deal, saving quite a bit over previous years. The policy is underwritten by Chubb who come highly recomended, and the club wins out of everyone who uses them.

 

[polar964]

I've been with Norton/Heritage for a number of years now and found them to be very competitive.
Out of interest this year I compared against LV as quite a few people were saying they had received a competitive quote compared with their renewal. Initially the price they gave me was very attractive, until they announced the excess's plus they did not cover the windscreen! [&:] and it didn't include breakdown cover either.
I also tried Porsches own insurance and their quote was ridiculous. Plus they would only give market value in the event of a right off. They appeared to have total disregard to owners with older Porsches, not good business sense!

 

[Dekker]

It may have been an old post but the info was most welcome.

Aviva = £455 which when I pointed out I already had 964 Cab with them for £289 they came up
£375
Confused = £337
A. Flux = £315
ClassicLine = Declined because of an MS90 I got 3½ years ago
Locktons = £279 then 20 mins later they said my MS90 was causing them problems.
Heritage = £232 Legal included, excess £250 & PCGB Trackdays

964 C2 Coupe, garaged, value 17k, 1,500miles, retired living in rural location, no claims in the past 20 years.

 

[MartinRS2K]

I have had all my classic cars insured with Hagerty for the last 8 years but this year (August) they were a long way out.

I rang around and Norton/ Heritage were by far the best I got.

944 Turbo - 3000 miles and agreed value £16k and 964 Celebration - 1500 miles and agreed value £33k

For both cars garaged on the agreed value and mileage the price was £440.00 with an excess of £250 per car

 

[kasspa]

Following on from my earlier posts to this thread....

Just had my renewal through from ClassicLine, £9 increase from last year to £394, so thought I'd do a little comparison.....

Especially seeing others on here paying +/- around the £200 pound mark & given that I do live in 'rural' Bedfordshire!!

Well online quotes I got were astonishing:
Lancaster £678.63
Heritage £774.22 with a combined excess of £850

Admiral were the closest at £367 but then I wouldn't get Agreed Valuation that lasts 2 years......

So, no brainer then, CL for me for 4th consecutive year

Regards

Paul (Kasspa)

 

[j1mw1ll1s]

Hi Guys

Just to throw something into this pool: Classicline quoted me £260, which would be a huge improvement on my current premium. On the basis that you tend to get what you pay for I did a bit of searching and found that the majority of reviews by those who have actually had to claim are, ahem, rather less than complimentary....
Just a thought.

HNY to all
James

 

[Steve Brookes]

I got a quote for renewal this week from the PCGB insurers, Locktons. Very competitive and well worth a call if you're renewing.

 

[911 targa]

Iam with direct line and paying £161 [3yrs running] 6kmls,agreed value,£350 excess.
Paul

 

[Gimme Shelter]

£161 looks incredibly low. Is that fully comp? Do you live in an amazingly cheap postcode? What's the secret?

 

[Dekker]

Just insured Cab for £183 with Aviva, 6K miles.

 

[colin129]

@Paul & @David, those renewal prices are very low, have you got agreed value on those policies?

 

[Dekker]

No agreed value

 

[colin129]

ORIGINAL: Dekker

No agreed value

I recently increased the agreed value on my car to a level where I would have a fighting chance of replacing like with like, alright so my insurance was £80 or so more than yours.

Enter your car's details into 'Webuyanycar.com' or similar, it may give you an indication of what you will get for it as a total loss. Unless, you can negotiate an agreed value for an additional premium perhaps?

One of the regulars on here lost his car a couple of years ago, but due to agreed value, he was able to replace it with something similar. I really feel you are taking too much of a risk without agreed value insurance.

 

[Dekker]

When asked the value I put 18k, so that is on the proposal. If it's written off it will be easy to see what the market price is and a good argument should the insurance company refuse to pay out.
If you agree a value, that is the price paid out, regardless as to whether it's increased during the year.