The Ultimate Insurance Thread??

[Richard_Hamilton]

I expect it comes down to claims history. My guess would be that Turbos tend to be owned more as second cars and simply get used less than Carreras. Hence there are less claims, and insurers think they are a better risk.

 

[Chrishazle]

Update on my Post 51 : renewal time came around, Saga wanted £245 but Classic Line / Brit Insurance came in with identical cover BUT XS £100 not £500!! Premium £212. Result!!
Classic Line 01455 639000

 

[GallivanS]

Dear All, I was a Porsche Virgin however over the weekend I've just bought into the club with a 2002 C4S (3.6) Coupe, 32800 miles and in excellent condition. It's official I'm in heaven and staying there! Thanks to everyone who posts on this site as the information when buying the car was invaluable....[]

Car: 2002 Carrera 4S Tiptronic
Renewal Date: 10 Dec 2009
Age: 43
Postcode: NP10 8GL
Occupation: Purchasing Manager
No Claims Bonus: 7+ years
Protected: No
Where Kept Overnight: In locked garage
Cover: Fully Comprehensive
Drivers: Self (Wifey not allowed)
Licence held/time: Full 20+ years
Useage: Social Domestic, and Pleasure incl Commuting
Mileage limitation: 6000 pa
Legal Protection: Yes
European Cover (days free): 60
Breakdown Cover: No
Guaranteed Courtesy Car: No
Accidents: nil
Convictions: nil
Tracker required: No
Insurance Company: Through "A"Plan underwritten by Aviva
Premium: £608
Excess (Accident and theft): £700
Notes: As I've had a company car for the past 12 years I have no "NO" claims bonus built up and although I can prove no accidents with written confirmation from my office most insurers will not count this as moveable "NO" claims if I keep my company car....

Cheers
Sean

 

[stuey]

Car: 2003 Carrera 2
Renewal Date: July 2010
Age: 39
Postcode: B97
Occupation: Buyer
No Claims Bonus: 9 yrs
Protected: yes
Where Kept Overnight: garage
Cover: Full Comp
Drivers: me & girlfriend
Licence held/time: 22yrs
Useage: Social domestic & pleasure (all day every day - yippeee)
Mileage limitation: none
Legal Protection: yes
European Cover (days free): yes
Guaranteed Courtesy Car: yes
Breakdown Cover: no ( already covered with indie warranty)
Drive other cars (3rd Party): Yes
Accidents: 1 (2yrs ago 1K)
Convictions: no
Tracker required: yes
Insurance Company: Swiftcover
Premium: £450
Excess (Accident and theft): £1000
Notes:

 

[The Gogg]

Car: 1998 Carrera C2 Tiptronic
Renewal Date: 7/01/2010
Age: 48
Postcode: LL12
Occupation: National Sales Manager
No Claims Bonus: 7 yrs
Protected: yes
Where Kept Overnight: Private driveway
Cover: Full Comp
Drivers: me & the wife
Licence held/time: 31 yrs
Useage: Social domestic & pleasure
Mileage limitation: 4,000 (I also drive a company BMW)
Legal Protection: yes
European Cover (days free): No
Guaranteed Courtesy Car: yes
Breakdown Cover: Yes to include home start
Drive other cars (3rd Party): Yes
Accidents: None
Convictions: None
Tracker required: No
Insurance Company: Kwikfit Platinum (found through gocompare.com)
Premium: £309.65
Excess (Accident and theft): £750.00
Notes:

Free MOT also included in the premium. Although this wasn't the cheapest quote I found it was the most comprehensive.

 

[chrisbradley]

Car - 04 996 C4S Cab
Renewal Date - Feb 2010
Postcode - NE37
Occupation - Retired (Solicitor)
NCB - 10 years+
Protected - Yes
Where kept - locked garage
Cover - fully comp
Driver - self only
Licence held - 40 years +
Use - SDP only
Mileage - 4000
Legal - none needed !
European cover - legal requirement only in EU (full cover for addit premium)
Courtesy car - Yes
Breakdown - No
Drive other cars - 3rd party only
Accidents - none
Tracker - none required
Ins Co - More Than
Premium - £324
Excess - £600

Note: I have been with Saga for several years but their renewal notice wanted £660 premium (after haggling they came down to £420)
They wouldnt go lower even when I told them I would leave ! I arranged the new cover from More Than through the Top cashback site and got another £40 cashback !

 

[kasspa]

Car: C4S 2004
Renewal Date: November 2009 (1st Policy on this)
Age: 55
Postcode: SG19 1UX
Occupation: Transport
No Claims Bonus: 7+ Years
Protected: No
Where Kept Overnight: Locked Garage
Cover: Fully Comp SDP
Drivers: Self & Spouse
Licence held/time: 37 years
Useage: Estimated 5k
Mileage limitation:n/a
Legal Protection: Yes
European Cover (days free): n/a
Guaranteed Courtesy Car: No
Breakdown Cover: No
Drive other cars (3rd Party): Yes
Accidents: None
Convictions: None
Tracker required: YES or not covered for theft
Insurance Company/Underwriter: Direct Line
Premium: £450
Excess (Accident and theft):£250
Notes:

 

[James_W]

Just moving from a 964 C2 to a 996 C4S... It would be worth adding an entry for Trackday Cover Included...This is the reason for me going with Performance Marque (Peart):

Car: 2004 C4S Tiptronic S
Renewal Date: 12 Feb
Age: 35
Postcode: HG3
Occupation: Regional Manager
No Claims Bonus: 7 years
Protected: Yes
Where Kept Overnight: Locked garage
Cover: Comp
Drivers: me plus spouse
Licence held/time: 17
Useage: SDP + Business
Mileage limitation: 20k pa
Legal Protection: Yes
European Cover (days free): Yes
Trackday Cover (days free): Yes 5 days with £3k excess
Guaranteed Courtesy Car: Yes
Breakdown Cover: No
Drive other cars (3rd Party):  Yes
Accidents: 1 minor
Convictions: SP30
Tracker required: No
Insurance Company/Underwriter: Performance Marque / Royal and Sun Alliance
Premium: £1150 including 5 trackday
Excess (Accident and theft):£500
Notes: The cheapest I could find with 5 days trackday cover included. Was also quoted £838 by Bell Insurance bu excluded trackdays...

 

[James_W]

Hi would be worth adding Trackday cover to the list

 

[craig johnson]

Car : 2002 model (51) Carrera 4 (with GT3 type side sills)
Renewal Date: End May
Age: 37
Postcode: NG17
Occupation: Assurance manager
No Claims Bonus: 10yrs +
Protected: yes
Where Kept Overnight: Garage
Cover: fully comp
Drivers: self + wife
Licence held/time: 20yrs
Useage: sdp and commuting + business
Mileage limitation: 9000
Legal Protection: yes
European Cover : no
Guaranteed: Courtesy Car: yes
Breakdown Cover: optional, not taken
Accidents: none
Convictions: none
Tracker required: not required
Insurance Company/Underwriter: Admital
Premium: £420
Excess (Accident and theft): £500 (includes voluntary excess of £250)

 

[Black911]

My insurance on my M3 would not touch a 911.
I tried everyone and everyone over 1500 so I picked up a form from opc.
Porsche insurance services, wow, very good cant remember the total but it was excellent.
Came through the porsche in porsche headed paper, even has free cover if you race it at the porsche racing track.
Everyone try it, you will be shocked.

 

[John Ware]

Car: 996 Turbo manual (uprated suspension and brakes)
Renewal Date: 9 Jul 10
Age: 36
Postcode: RG40
Occupation: Pilot
No Claims Bonus: 9 years
Protected: Yes
Where Kept Overnight: Garage
Cover: Comprehensive
Drivers: Me
Licence held/time: 19 years
Useage: SDP only (no commuting)
Mileage limitation: 7500
Legal Protection: Yes
European Cover (days free): 30
Guaranteed Courtesy Car: No
Breakdown Cover: No
Drive other cars (3rd Party): Yes
Accidents: N/A
Convictions: N/A
Tracker required: Not required
Insurance Company/Underwriter: Equity Red Star (via A-Plan)
Premium: £569.97
Excess (Accident and theft): £450
Notes: As with last year, they were happy to negotiate for two cars. Overall, I paid £10 more than last year although the Porsche was in fact cheaper by £15. Go figure.

 

[jukn]

Car: 2004 carrera 4S cab manual
Renewal Date: July
Age: 54
Postcode: dh9
Occupation: retired
No Claims Bonus: 7yrs
Protected: yes
Where Kept Overnight: garage
Cover: fully comp
Drivers: self and spouse
Licence held/time: 36yrs (+IAM this year which made no difference!)
Useage: sdp
Mileage limitation: 5000
Legal Protection: yes
European Cover (days free): unlimited
Guaranteed: Courtesy Car: yes for 28 days
Breakdown Cover: no
Drive other cars: 3rd party cover
Accidents: none
Convictions: none
Tracker required: tracker monitor fitted
Insurance Company/Underwriter: Performance Insurance / Groupama
Premium: £432.00
Excess (Accident and theft): 500
Track Day cover: not included but can be arranged
Notes: Renewal from Saga came in at £658 but they matched Performance quote at £449, when I rang performance to check policy details they then offered me £432. Saga offered £1000 personal possessions cover as opposed to £200 and emergency cover for others to drive car to get me home but Performance offered key cover, on balance I felt Performance policy equal to Saga and they bent over backwards to try to get the business. No other companies came close to this.

 

[chriscoates81]

Car: 1999 carrera 2 coupe manual
Renewal Date: Just done august
Age: 24
Postcode: hu17
Occupation: aircraft fitter
No Claims Bonus: 6yrs
Protected: yes
Where Kept Overnight: driveway
Cover: fully comp
Drivers: self and spouse
Licence held/time: 7 years
Useage: sdp & C
Mileage limitation: 12000
Legal Protection: yes
European Cover (days free): not sure
Guaranteed: Courtesy Car: yes
Breakdown Cover: yes
Drive other cars: not covered
Accidents: none
Convictions: none
Tracker required: no
Insurance Company/Underwriter: Adrian Flu Insurance / Aviva
Premium: £1200ish
Excess (Accident and theft): 500

Notes: its strange to see that while im the youngest here my premium isn't the highest.

 

[steveoz32]

Car: 996 C2
Renewal Date: Oct 2010
Age: 31
Postcode: SN3
Occupation: Technical Consultant
No Claims Bonus: 5 spare to use on this car
Protected: No
Where Kept Overnight: Garage
Cover: Comprehensive
Drivers: 2 - Spouse and I
Licence held/time: 14 Years
Useage: SDP+Commuting (didn't want business use but it was included and made no difference to the price)
Mileage limitation: <5000
Legal Protection: No
European Cover (days free): Unknown
Guaranteed Courtesy Car: No
Breakdown Cover: No
Drive other cars (3rd Party): Yes
Accidents: None
Convictions: SP30
Tracker required: Yes
Insurance Company/Underwriter: Swiftcover
Premium: 410.00
Excess (Accident and theft): 500
Trackday cover included: No
Notes: I have found cheaper premiums with a better Excess, however, I wanted to keep all cars with one provider for ease

 

[teejay]

Hi all, I have had great difficulty finding insurance now that i have admitted to having had my UK licence since Early 2008, although i have driven here and had accidents and fines without any major issues before that time since 2000 (1998 if my MC is to be included). I have held a licence since 1992 from Norway, which is my home country. My premium has basically shot up, even though I have full no claims on one car and a few on another.

Now, Why is that? My licence is recognised as an international licence and on par with EU rules etc..

Any suggestions/tips are welcome as I have had to drop the mileage and I dare not think how much a Turbo will cost me..

Car: 1996 993 4S
Renewal Date: 9/8/10
Age: 37
Postcode: LS7
Occupation: Optometrist
No Claims Bonus: Full/8
Protected: Yes
Where Kept Overnight: Garage
Cover: Comp
Drivers: Self (wife no licence)(yet!)
Licence held/time: 18 yrs/UK 2.5
Useage: SDP ex C
Mileage limitation: 3000
Legal Protection: No
European Cover (days free): Yes (not sure)
Guaranteed Courtesy Car: No
Breakdown Cover: No
Drive other cars (3rd Party): Yes
Accidents: No
Convictions: SP30
Tracker required: No
Insurance Company/Underwriter: Mayfair/Groupama
Premium: £750
Excess (Accident and theft): £500
Trackday cover included: No

 

[Richard_Hamilton]

Gareth - you should consider putting your wife on the policy, as it often reduces the premium. You don't need to tell her of course!

Here is my latest renewal:

Car: 2000 996 Turbo Tiptronic
Renewal Date: 21/11/10
Age: 58
Postcode: SL6
Occupation: Company Director
No Claims Bonus: 12+ years
Protected: Yes
Where Kept Overnight: In Garage
Cover: Fully Comprehensive
Drivers: Self & Wife
Licence held/time: 41 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: 2 minor at-fault 02/06 & 04/09
Convictions: 1 x SP30 08/09
Tracker required: No
Insurance Company/Underwriter: Academy (0800-1074277)/Aviva (Norwich Union).
Premium: £590
Excess (Accident and theft): £400
Notes: Up £15 from last year, so not too bad. Just waiting for the 02/06 bump to fall of the radar before having another good shop around. I did try Porsche Insurance Services, but they were about £200 more expensive for the same cover, with the same insurance company! Makes no sense.

 

[Dave the Gas]

Car: 996 C2 CAB
Renewal Date: 14/1/11
Age: 58
Postcode: RG40 1
Occupation: Industrial Gas Services Engineer
No Claims Bonus: 9+
Protected: Y
Where Kept Overnight: Garage
Cover: Full comp
Drivers: Me and my good lady
Licence held/time: 39
Useage: private
Mileage limitation: 12000
Legal Protection: Y
European Cover (days free):30
Guaranteed Courtesy Car: Y
Breakdown Cover: Y
Drive other cars (3rd Party):  BMW 325, Transit van (fully comp)
Accidents: None
Convictions: None (in the last 5 yrs)
Tracker required: Y
Insurance Company/Underwriter: Direct Line
Premium: £945
Excess (Accident and theft): £200
Trackday cover included: N
Notes:

Edit by Richard - removed quote markers

 

[kasspa]

previous post 68

Renewal Nov 2010 with ClassicLine (KGM Modern Classic) £422 with a very good guaranteed valuation figure.... obtained from PCGB & valid for 2 years
that's £32 cheaper than last year with the wife having a bump last xmas in my every day commute!

£250 excess with no voluntary loaded

limited to 5k miles, european cover but no track days

even tho' I live 20 miles north of stevenage, still come under the lottery postcode SG....

Strangely, I did read an article the other day saying some insurers were quoting cheaper if your car was parked on road as opposed to driveway as would be thieves wouldn't know where you lived.......

Definately need to shop around!

Paul (kasspa)

 

[G60KG]

Hi Can someone recommend insurance companies cheaper than comparison websites? Wife is 31 with 6 years no claims no points and Im going to be 29. I ran a quick quote on moneysupermarket with me as a named drive and it came up with around £1100 on a 2002 C4s.