The Ultimate Insurance Thread??

[Guest]

Hi

My details -
Car: 996 C2, 2000
Renewal Date: 16/06/07
Age: 40
Postcode: RG7
Occupation: Tech Director
No Claims Bonus: 9+ years
Protected: Yes
Where Kept Overnight: Driveway
Cover: Comp
Drivers: Me + wife
Licence held/time: 23 years
Useage: SD&P & Class 1 business use
Mileage limitation: 17,000
Legal Protection: Yes
Accidents: 1 at fault 03, 1 flood 03 - both within protected ncb though
Convictions: No
Tracker required: Not required
Insurance Company: Hastings Direct
Premium: 650
Excess (Accident and theft): 500

Notes and warning: Admiral quoted £1100, Swiftcover was close to £650 but wouldn't do protected NCB.

*** However, as I found out last week when my car went into Porsche for some minor repairs, Hastings would not cover a Porsche as a courtesy car. After several phone calls it turns out that Hastings policy (which is not written down anywhere in their literature) is to only cover courtesy cars under £20,000 in value. I'm not sure how they can ever cover a courtesy car for porsche, bmw, mercedes, jaguar etc... The garages apparently now no longer provide insurance for their loan cars - so being insured with Hastings means I am unable to get my car serviced easily! I am trying to find out what happens in the event of an accident, since my chosen repair garage would of course be Porsche - who would then provide the loan car! ***

If I change insurance - has anyone tested their insurance company's courtesy car policy?

 

[Mercurial]

Car: 2000 C2
Renewal Date: June 2007
Age: 51
Postcode: TA13
Occupation: Self-employed
NCD: 9 yrs +
Protected: Yes
Where Kept Overnight: Garage (but cover on "On driveway" basis)
Cover: Fully Comp
Drivers: Self and spouse
Licence held/time: 34
Useage: Class 1
Mileage limitation: 10,000
Legal Protection: Yes
European Cover: Yes (90 days any one trip)
Courtesy Car: Yes
Breakdown Cover: No
Accidents: None (see notes)
Convictions: None
Tracker required: No
Insurance Company/Underwriter: NU (via Marsh/Porsche Ins Services)
Premium: £445
Deductible: £350
Notes: Two accidents in 2005, but both fault/no claim - 100% settled directly through 3rd parties' insurers.

 

[shmirsh]

Car: 2003 996 C2 Tip Conv
Renewal Date: October 2007
Age: 53
Postcode: RM11
Occupation: IT Consultant
No Claims Bonus: 9+
Protected: Yes
Where Kept Overnight: Drive
Cover: Comp
Drivers: Self + spuse
Licence held/time: 35
Useage: SDP+own business
Mileage limitation: 10k
Legal Protection: Yes
European Cover (days free): 30 days
Guaranteed: Courtesy Car: No
Breakdown Cover: No
Accidents: 1 claim Feb 07 (by son on my insurance)
Convictions: 0
Tracker required: No but have obne fitted
Insurance Company/Underwriter: More Than
Premium: £595[]
Excess (Accident and theft): £500
Notes: £75 glass

 

[shmirsh]

Shaunconn

*** However, as I found out last week when my car went into Porsche for some minor repairs, Hastings would not cover a Porsche as a courtesy car. After several phone calls it turns out that Hastings policy (which is not written down anywhere in their literature) is to only cover courtesy cars under £20,000 in value. I'm not sure how they can ever cover a courtesy car for porsche, bmw, mercedes, jaguar etc... The garages apparently now no longer provide insurance for their loan cars - so being insured with Hastings means I am unable to get my car serviced easily! I am trying to find out what happens in the event of an accident, since my chosen repair garage would of course be Porsche - who would then provide the loan car! ***

Interesting point. I've previously owned various expensivish cars (>£30k) and none of my previous insurance companies (Tesco, RSA, NU) have complained about a merc or bm as a courtesy car.

 

[tirfor]

Car: 2002 C4s
Renewal Date: Sept 2007
Age: 32
Postcode: wv1
Occupation: civil
No Claims Bonus: 8
Protected: no
Where Kept Overnight: drive
Cover: comp
Drivers: 2
Licence held/time: 14
Useage: sdp communting
Mileage limitation: 10000
Legal Protection: yes
European Cover (days free): never asked
Guaranteed: Courtesy Car: no
Breakdown Cover: no got AA
Accidents: jan 05 non fault, may 05 non fault, sept 07 fault[]
Convictions: none
Tracker required: no
Insurance Company/Underwriter: elephant
Premium: £1100
Excess (Accident and theft): £350
Notesremium should have been around £1000 protected but due to the fault acc it went up quite a bit thats why i decided not to protect the bonus this year. Not a bad price as others were quoting around 2k[]

 

[Richard_Hamilton]

Car: 1998 C2 Tiptronic
Renewal Date: 21/11/07
Age: 55
Postcode: SL6
Occupation: Company Director
No Claims Bonus: 7+ years
Protected: Yes
Where Kept Overnight: In Garage
Cover: Fully Comprehensive
Drivers: Self & Wife
Licence held/time: 38 years
Useage: SDP & Business Class A
Mileage limitation: 12000
Legal Protection: Yes
European Cover (days free): 90
Guaranteed Courtesy Car: Yes
Breakdown Cover: No
Drive other cars (3rd Party): Yes
Accidents: 1 minor at-fault 02/06
Convictions: 1 SP30 01/03
Tracker required: No
Insurance Company/Underwriter: Academy (0800-1074277)/Norwich Union
Premium: £495
Excess (Accident and theft): £500
Notes: Renewal from Privilege was £577, and didn't include courtesy car and the European cover was not as comprehensive. NU gives up to 3 months cover per trip in Europe, as many trips as you like.

 

[Diesel130]

Richard - well done - £5 less than mine!

 

[Richard_Hamilton]

Probably the "benefit" of being an old f*rt like me - £5 off! I'd prefer to pay the fiver and have the years back! [] []

 

[hg..]

A bit obscure but does anyone know of an insurance company that will insure my 2003 c4s for laid up cover. It's the subject of a court case but is in my garage and i should insure it, against fire only would suit me.
Thanks.

 

[Mercurial]

Tricky one because most insurers won't want to know, but give these people a try:- http://www.adrianflux.co.uk/

 

[hg..]

Thanks Mercurial, just called them.....£525 for laid up cover in my garage, fire and theft!! Only cost £900 for me and the wife fully comp to use it on the road, never mind. Thanks anyway.

 

[Vron]

I have to renew on the 23rd of this month.

35yrs old Female
Full NCB protected
3pts Sp30 3 years ago: 78mph on M180[]
Garaged
DN9 postcode
5000 miles a year no business use

Currently with AON, renewal has come through at £770 with the 1 mile garaging clause.
Tesco £684,
Morethan - refused.
Norwich Union Direct £947.99
, Priveledge £712.

Interestingly Priviledge had my registration plate as a Carrera 4 Convertible and a premium quote of £594, why is a C2 more to insure than a C4 convertible????

I have been tring to get a quote from Performance insurance direct but no reponse to my online enquiry & when I rang was told someone will ring me back and they haven't

 

[Vron]

Car: 996 C2 Carrera Tiptronic
Renewal Date: 23/01/08
Age: 35 (Female)
Postcode: DN9
Occupation:
No Claims Bonus: 5+years?
Protected: Yes
Where Kept Overnight: In Garage
Cover: Fully Comprehensive
Drivers: Self & Partner
Licence held/time:
Useage: SDP
Mileage limitation: 5000pa
Legal Protection:
European Cover (days free):
Guaranteed Courtesy Car:
Breakdown Cover:
Drive other cars (3rd Party):
Accidents:
Convictions: SP30 (3 years ago)
Tracker required:
Insurance Company/Underwriter: Tesco Value Policy
Premium: £509
Excess (Accident and theft): £625
Notes: For info, a few more that I rang:
Swinton £815
Hastings Direct - refused to quote due to 3 year old SP30
A Quote - £820

(edited by Richard, formatted using the template - hope that's OK with you Veronica!)

 

[robbosliding]

Hello, this is my second year insuring this car. Its worth considering GAP insurance when buying from a dealer/indie to protect the value paid against the market value the insurer will want to pay in the event of a claim, there's more of this on the "Insurance Renewals Thread" on this forum.

Car: C4S 911
Renewal Date: Jan 08
Age: 35
Postcode LN6:
Occupation: Government
No Claims Bonus: 9yrs
Protected: Yes
Where Kept Overnight: Brick built garage
Cover: Fully Comp
Drivers: Self only
Licence held/time: 16yrs
Useage: SDP + commuting and personal business use
Mileage limitation: 5000
Legal Protection: Yes
European Cover (days free): 90 days
Guaranteed Courtesy Car: Yes
Breakdown Cover: Not required
Drive other cars (3rd Party): Yes
Accidents: None
Convictions: None
Tracker required: Tracker Monitor fitted
Insurance Company/Underwriter: Norton Insurance
Premium: £535
Excess (Accident and theft): £500
Notes: I was assured prior to taking up this policy that in the event of a claim my car would be repaired at either OPC or a Porsche approved repairer, keeps value and warranties intact.

 

[Guest]

Car: 911 c4 tip may 2001
Renewal Date: 9 jan 2009
Age: 63
Postcode: wf5 9rb
Occupation: director
No Claims Bonus: 5yrs
Protected: no
Where Kept Overnight: drive
Cover: f/comp
Drivers: self
Licence held/time: 40yrs
Useage: soc/ dom/ pleasure/commute/buisness
Mileage limitation: none
Legal Protection: yes
European Cover (days free): unlimited
Guaranteed Courtesy Car: no
Breakdown Cover: access yes,but to pay on use
Drive other cars (3rd Party): yes
Accidents: none
Convictions: none
Tracker required: no
Insurance Company/Underwriter: NFU mutual
Premium: £528
Excess (Accident and theft): £100 theft,£250 accident,£25 glass
Notesriority- absolute minimum premium

 

[Adit]

Car: 911 c4 tip Nov 1999
Renewal Date: 5 May 2008
Age: 31
Postcode: SW17
Occupation: director
No Claims Bonus: 5yrs
Protected: Yes
Where Kept Overnight: drive
Cover: f/comp
Drivers: self & Wife (27yrs old)
Licence held/time: 13yrs
Useage: soc/ dom/ pleasure/commute/buisness
Mileage limitation: >5000miles
Legal Protection: yes
European Cover (days free): unlimited
Guaranteed Courtesy Car: yes
Breakdown Cover: no - have OPC Warranty inc breakdown
Drive other cars (3rd Party): yes
Accidents: none
Convictions: none
Tracker required: no
Insurance Company/Underwriter: Bell
Premium: £880
Excess (Accident and theft): £350 accident,£60 glass

 

[jukn]

Car: 2001 carrera 4 cab tiptronic
Renewal Date: July
Age: 52
Postcode: dh9
Occupation: retired
No Claims Bonus: 6yrs
Protected: yes
Where Kept Overnight: driveway
Cover: fully comp
Drivers: self and spouse
Licence held/time: 35yrs
Useage: sdp
Mileage limitation: 7500
Legal Protection: yes
European Cover (days free): unlimited
Guaranteed: Courtesy Car: yes for 14 days
Breakdown Cover: no
Accidents: none
Convictions: none
Tracker required: not sure but tracker retrieve fitted
Insurance Company/Underwriter: SAGA
Premium: £432
Excess (Accident and theft): £250 accident £100 theft £75 windscreen
Notes: policy also includes cover for any driver with full licence to drive your vehicle in medical / motoring emergency. Up to £300 emergency accommodation and / or to get you home following an accident. Unlimited audio cover, personal belongings £1000 increased to £2000 month of December.

Asset trust offered similar premium and excess under classic policy

 

[Mercurial]

Another year on and another renewal:-

Car: 2000 C2
Renewal Date: June 2008
Age: 52
Postcode: TA13
Occupation: Self-employed
NCD: 9 yrs +
Protected: Yes
Where kept overnight: Garage (but cover on "On driveway" basis)
Cover: Fully comprehensive
Drivers: Self and spouse
Licence held/time: 35
Use: Class 1
Mileage limitation: 10,000
Legal Protection: Yes
European Cover: Yes
Courtesy Car: Yes
Breakdown Cover: No
Accidents: None (see notes)
Convictions: None
Tracker required: No
Insurance Company/Underwriter: Groupama
Premium: £439
Deductible: £350
Notes: Two accidents in 2005; both fault/no claim - 100% settled directly through 3rd parties' insurers. Accident 2007 (unavoidable damage to vehicle) - claim made - 100% (less deductible) settled by insurer

 

[Mckay]

I might have the cheapest i have seen so far! i still can't beleive it and i've checked all the details twice. I have had a couple of boxters in the past but even they were way more than this.

Car: 996 C4S
Renewal Date: 11 2008
Age: 33
Postcode: EH51
Occupation: Project Manager
No Claims Bonus: 5 and more
Protected: Yes
Where Kept Overnight: Driveway
Cover: Comprehensive
Drivers: Me and the misses
Licence held/time: 16 years
Useage:
Mileage limitation: UPto 15000miles
Legal Protection: Yes
European Cover (days free): Didn't ask
Guaranteed Courtesy Car: No
Breakdown Cover: No
Drive other cars (3rd Party): Yes
Accidents: None
Convictions: 1 SP50
Tracker required: Yes
Insurance Company/Underwriter: Direct line
Premium: £ 380 []
Excess (Accident and theft): £ 350
Notes:
That was after a little bit of haggling after an online renewal quote. Also just for the record swiftcover quoted £ 387 which was great as well ! but i have the misses car with DL so didn't really want to switch hense the quick phone call.

Mac

 

[Richard_Hamilton]

Blimey Mac, that's a bargain.

Another year comes around, and the premium is up, but because of the change in car:

Car: 2000 996 Turbo Tiptronic
Renewal Date: 21/11/08
Age: 56
Postcode: SL6
Occupation: Company Director
No Claims Bonus: 8+ years
Protected: Yes
Where Kept Overnight: In Garage
Cover: Fully Comprehensive
Drivers: Self & Wife
Licence held/time: 39 years
Useage: SDP & Business Class A
Mileage limitation: 12000
Legal Protection: Yes
European Cover (days free): 90
Guaranteed Courtesy Car: Yes
Breakdown Cover: No
Drive other cars (3rd Party): Yes
Accidents: 1 minor at-fault 02/06
Convictions: None currect
Tracker required: No
Insurance Company/Underwriter: Academy (0800-1074277)/Norwich Union
Premium: £561
Excess (Accident and theft): £500
Notes: For the first year in many, I didn't bother to shop around.