laid up insurance..

[smallspeed]

does anyone have a laid up policy for the winter?.. Mine was converted from my old policy which hadnt run out, but its up for renewal end of this month. Ive been told I can only renew as fully comp, then downgrade, and they have quoted me 2k for fully comp renewal which is a joke; was just over 500 last year..

Have phoned around but not found anyone; people doing laid up policies will only do them if the car is stored at the owners home address and Im using a friends lock-up as there's loads of space and I can borrow his tools and kit to work on the car!...

If anyone has a storage or laid up policy and can recommend someone Id be really grateful.. its only for a few months (hopefully) but I refuse to pay out 2k for a month then downgrade, then switch to someone else when the cars back on the road

ben

 

[colin129]

I used AON (advertise in PP) for my S2 while I am waiting for the insurance claim to sort itself out.

1500 mile policy for about £250, I belive it is 1500miles or 12 months, which ever comes sooner. AON may do a laid up policy aswell, its worth a try.

 

[smallspeed]

cheers, i will give them a try.. spoke to heritage and a couple of others listed in the insurance section of this site earlier and got bored of trying in the end; everyone said no laid up policies and weren't interested in a zero or very low mileage policy.. sounds like AON might be more use!

 

[Steve Brookes]

What sort of figure are you after Ben (apart from as less as possible)? I have a 5000 mile policy with Heritage for less than £500 which includes recovery and club trackdays.

 

[smallspeed]

ideally fire theft and accidental damage only (0 miles, so no third party) as the car isn't going to be on the road for a while.. This is what I had before and it was iro £100 for 12 months (obviously I only had the last 3 months of my existing policy converted so I got a refund on my fully comp policy payment and no admin charge for the change)
I would go with the same again, but I can't renew onto this policy, I have to take out a fully comp policy then downgrade after 1 month.. The renewal is so high its just a joke, and even if I went direct debit, I would end up shelling out an enormous amount for the first month (around 450 quid) which would disappear as its the first months payment, then I would have to pay another month which would then get partially refunded upto the value of 11 months of the laid-up policy.. That would make the total cost of the laid up policy around £500 which is about what I paid for a fully comp/unlimited mileage policy last year [&:]

insurance companies drive me mad...