The Ultimate Insurance Thread??
- Thread starter Richard_Hamilton
- Start date
Most likely it's the difference in Post Code.
steveoz32
New member
I've got mine through swiftcover (AXA I think), I used 5 years of no claims on the 911, 12k annual mileage (way more than enough considering I have only done 750 in nearly the past 6 months), includes SD&P + commuting, excess is pretty high around 500 if I recall correctly though.
Premium was around £380.00 with my wife added, without her it jumped up by another £150.00 which is crazy considering she is younger than me! I always add her on to my policies now, seems to always make them cheaper.
t1x
New member
Car: C2 Cab 2003
Renewal Date: April 2011
Age: 37
Postcode: HA9 XXX
Occupation: Operations
No Claims Bonus: 11
Protected: y
Where Kept Overnight: Driveway
Cover: Comprehensive with protected no claims
Drivers: Me & Wife
Licence held/time: 17 years
Useage: SDP
Mileage limitation: 6000
Legal Protection: Y
European Cover (days free): Y
Guaranteed Courtesy Car: y
Breakdown Cover: n
Drive other cars (3rd Party): n
Accidents: 1
Convictions: 0
Tracker required: n
Insurance Company/Underwriter: CCI (Competition Car Insurance)
Premium: £928
Excess (Accident and theft): £550
Trackday cover included: y (including nurberbring) ( i know i pselt that wrong)
Notes: Looked everywhere, any this was the chepaest by far and underwriten by Aviva.
Renewal Date: April 2011
Age: 37
Postcode: HA9 XXX
Occupation: Operations
No Claims Bonus: 11
Protected: y
Where Kept Overnight: Driveway
Cover: Comprehensive with protected no claims
Drivers: Me & Wife
Licence held/time: 17 years
Useage: SDP
Mileage limitation: 6000
Legal Protection: Y
European Cover (days free): Y
Guaranteed Courtesy Car: y
Breakdown Cover: n
Drive other cars (3rd Party): n
Accidents: 1
Convictions: 0
Tracker required: n
Insurance Company/Underwriter: CCI (Competition Car Insurance)
Premium: £928
Excess (Accident and theft): £550
Trackday cover included: y (including nurberbring) ( i know i pselt that wrong)
Notes: Looked everywhere, any this was the chepaest by far and underwriten by Aviva.
Car: 996 turbo
Renewal Date: 14 Nov 2011
Age: 30
Postcode: LE67
Occupation: Bank Manager
No Claims Bonus: 10 Years
Protected: Yes
Where Kept Overnight: Locked garage
Cover: FULL
Drivers: Me and partner
Licence held/time: 12
Useage:
Mileage limitation: 5000
Legal Protection: Yes
European Cover (days free): NO
Guaranteed Courtesy Car: Yes
Breakdown Cover: No
Drive other cars (3rd Party): Yes
Accidents: Yes
Convictions: No
Tracker required: No
Insurance Company/Underwriter: Trinity Lane (Through Adrian Flux)
Premium: £777
Excess (Accident and theft): £500
Trackday cover included: NO
Notes:
Renewal Date: 14 Nov 2011
Age: 30
Postcode: LE67
Occupation: Bank Manager
No Claims Bonus: 10 Years
Protected: Yes
Where Kept Overnight: Locked garage
Cover: FULL
Drivers: Me and partner
Licence held/time: 12
Useage:
Mileage limitation: 5000
Legal Protection: Yes
European Cover (days free): NO
Guaranteed Courtesy Car: Yes
Breakdown Cover: No
Drive other cars (3rd Party): Yes
Accidents: Yes
Convictions: No
Tracker required: No
Insurance Company/Underwriter: Trinity Lane (Through Adrian Flux)
Premium: £777
Excess (Accident and theft): £500
Trackday cover included: NO
Notes:
deanbayliss
New member
Car: 996 Carrera2
Renewal Date: may 2011
Age: 41
Postcode: wr9
Occupation: managing director
No Claims Bonus: + 10 years
Protected: yes
Where Kept Overnight: garage
Cover: comp
Drivers: myself and mrs
Licence held/time: 23years
Useage:
Mileage limitation: 4000 per year
Legal Protection: no
European Cover (days free):yes
Guaranteed Courtesy Car: yes
Breakdown Cover: no
Drive other cars (3rd Party): yes
Accidents: 1
Convictions: 1
Tracker required: no
Insurance Company/Underwriter: 1st central
Premium: £472
Excess (Accident and theft): 500
Trackday cover included: no
Renewal Date: may 2011
Age: 41
Postcode: wr9
Occupation: managing director
No Claims Bonus: + 10 years
Protected: yes
Where Kept Overnight: garage
Cover: comp
Drivers: myself and mrs
Licence held/time: 23years
Useage:
Mileage limitation: 4000 per year
Legal Protection: no
European Cover (days free):yes
Guaranteed Courtesy Car: yes
Breakdown Cover: no
Drive other cars (3rd Party): yes
Accidents: 1
Convictions: 1
Tracker required: no
Insurance Company/Underwriter: 1st central
Premium: £472
Excess (Accident and theft): 500
Trackday cover included: no
John Ware
New member
It's that time again......
Car: 996 Turbo (uprated suspension and brakes)
Renewal Date: July 2011
Age: 37
Postcode: RG40
Occupation: Airline Pilot
No Claims Bonus: 9 years
Protected: Yes
Where Kept Overnight: Garage
Cover: Comprehensive
Drivers: Me only
Licence held/time: 20 years
Useage: SDP (no commuting)
Mileage limitation: 5000 per year
Legal Protection: No
European Cover (days free): Yes
Guaranteed Courtesy Car: No
Breakdown Cover: No
Drive other cars (3rd Party): Yes
Accidents: 0
Convictions: 0
Tracker required: No
Insurance Company/Underwriter: Henderson Taylor
Premium: £620.48 (with 15% PCGB discount)
Excess (Accident and theft): £500
Trackday cover included: Yes (excess 10% of insured value)
Notes: I was previously with A-Plan (Thatcham) who are prepared to deal for multiple cars. Over the past two years, I insured the Turbo and a V8 Range Rover with them "for under a thousand pounds". Year before last, the total was £960, last year it was £970. This year, they were unable to compete (sadly) so I shopped around. HT gave me the best deal on the Turbo (above) whilst I used Admiral (via the internet) for the other car (£402). This gives an overall increase since last year of around 5% - not bad considering the parasitic "no win no fee" lot.
Car: 996 Turbo (uprated suspension and brakes)
Renewal Date: July 2011
Age: 37
Postcode: RG40
Occupation: Airline Pilot
No Claims Bonus: 9 years
Protected: Yes
Where Kept Overnight: Garage
Cover: Comprehensive
Drivers: Me only
Licence held/time: 20 years
Useage: SDP (no commuting)
Mileage limitation: 5000 per year
Legal Protection: No
European Cover (days free): Yes
Guaranteed Courtesy Car: No
Breakdown Cover: No
Drive other cars (3rd Party): Yes
Accidents: 0
Convictions: 0
Tracker required: No
Insurance Company/Underwriter: Henderson Taylor
Premium: £620.48 (with 15% PCGB discount)
Excess (Accident and theft): £500
Trackday cover included: Yes (excess 10% of insured value)
Notes: I was previously with A-Plan (Thatcham) who are prepared to deal for multiple cars. Over the past two years, I insured the Turbo and a V8 Range Rover with them "for under a thousand pounds". Year before last, the total was £960, last year it was £970. This year, they were unable to compete (sadly) so I shopped around. HT gave me the best deal on the Turbo (above) whilst I used Admiral (via the internet) for the other car (£402). This gives an overall increase since last year of around 5% - not bad considering the parasitic "no win no fee" lot.
chriscoates81
New member
Yeah its wierd, i just shopped around i like the comparison sites to get a rough idea how much i should be paying but some were charging double that. Now ive hit the bit 25 im expecting it to be around £1000. Also the no claims can make a big difference as you say you have 5 years to my 6, im renewing next month anyway so i should probably start shopping around.
jukn
New member
Car: 2004 carrera 4S cab manual
Renewal Date: July
Age: 55
Postcode: dh9
Occupation: retired
No Claims Bonus: 11 yrs
Protected: yes
Where Kept Overnight: garage
Cover: fully comp
Drivers: self and spouse
Licence held/time: 36yrs (+IAM which made no difference!)
Useage: sdp
Mileage limitation: 5000
Legal Protection: yes
European Cover (days free): 90
Guaranteed: Courtesy Car: no (doesn't matter to me as other cars in house)
Breakdown Cover: no
Drive other cars: 3rd party cover
Accidents: none
Convictions: none
Tracker required: tracker monitor fitted
Insurance Company/Underwriter: Tesco Underwriter
Premium: £434.59
Excess (Accident and theft): 300
Notes: Renewal from Groupama came in at £475 with 500xs No other companies came close to these two. Policy from Tesco reduced by £30 when club card number entered.
Renewal Date: July
Age: 55
Postcode: dh9
Occupation: retired
No Claims Bonus: 11 yrs
Protected: yes
Where Kept Overnight: garage
Cover: fully comp
Drivers: self and spouse
Licence held/time: 36yrs (+IAM which made no difference!)
Useage: sdp
Mileage limitation: 5000
Legal Protection: yes
European Cover (days free): 90
Guaranteed: Courtesy Car: no (doesn't matter to me as other cars in house)
Breakdown Cover: no
Drive other cars: 3rd party cover
Accidents: none
Convictions: none
Tracker required: tracker monitor fitted
Insurance Company/Underwriter: Tesco Underwriter
Premium: £434.59
Excess (Accident and theft): 300
Notes: Renewal from Groupama came in at £475 with 500xs No other companies came close to these two. Policy from Tesco reduced by £30 when club card number entered.
thirteeneast
New member
Matt Henderson, Fantastic and professional to deal with.
Hi all,
Has anyone had an insurance renewal recently.
Well I have just got mine gone up a massive £354 from last year [
]
from Performance Direct. I have been with then for years and years
always the best deal but seems not anymore.
I rang them to get a better deal not a chance best deal they say.Yeah right
So for a Cayman S limited mileage garaged fully comp £775.[] last year
for my GT3 £421 now told when I go back to a GT3 it will be £866.
That much for an old git of 50 full no claims never claimed .There having a laugh.
Seach will start for a better deal asap.
Is owning a car getting out of hand or is it just me.
Excuse the rant. Will get me a bike.
Cliff.
Has anyone had an insurance renewal recently.
Well I have just got mine gone up a massive £354 from last year [
]from Performance Direct. I have been with then for years and years
always the best deal but seems not anymore.
I rang them to get a better deal not a chance best deal they say.Yeah right
So for a Cayman S limited mileage garaged fully comp £775.[
] last yearfor my GT3 £421 now told when I go back to a GT3 it will be £866.
That much for an old git of 50 full no claims never claimed .There having a laugh.
Seach will start for a better deal asap.
Is owning a car getting out of hand or is it just me.
Excuse the rant. Will get me a bike.
Cliff.
thirteeneast
New member
It might be your age LOL.
Ill look after the GT3 for you and you can have my cheaper insurance on my Carrera 4 @£404.45
Ill look after the GT3 for you and you can have my cheaper insurance on my Carrera 4 @£404.45
chriscoates81
New member
I hate to upset you, but i just renewed at the weekend. It came to around £750 with a £350 excess which i think is an amazing bargain.
Car: 1999 carrera 2 coupe manual
Renewal Date: Just done august
Age: 25
Postcode: hu17
Occupation: Laser Technician
No Claims Bonus: 7yrs
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: covered
Accidents: none
Convictions: none
Tracker required: no
Insurance Company/Underwriter: Adrian Flu Insurance / cherished cars
Premium: £750ish
Excess (Accident and theft): 350
Ripmax
New member
Car: 911 Carrera 4 (996) MY99
Renewal Date: October 2011
Age: 41
Postcode: WR14
Occupation: Telecoms Engineer
No Claims Bonus: 8
Protected: No
Where Kept Overnight: Drive
Cover: Comprehensive
Drivers: Me and g/f
Licence held/time: 25
Useage: SDP & C & Business
Mileage limitation: 6000
Legal Protection: Yes
European Cover (days free): None
Guaranteed Courtesy Car: No
Breakdown Cover: No
Drive other cars (3rd Party): Yes
Accidents: None
Convictions: None
Tracker required: No
Insurance Company/Underwriter: Direct Line
Premium: £493.96
Excess (Accident and theft):£850
Trackday cover included: No
Notes: I got two other quotes: Adrian Flux was a ridiculous £800 odd. I can't remember the other one but it was more than Direct Line, who I was already with on my previous car.
Renewal Date: October 2011
Age: 41
Postcode: WR14
Occupation: Telecoms Engineer
No Claims Bonus: 8
Protected: No
Where Kept Overnight: Drive
Cover: Comprehensive
Drivers: Me and g/f
Licence held/time: 25
Useage: SDP & C & Business
Mileage limitation: 6000
Legal Protection: Yes
European Cover (days free): None
Guaranteed Courtesy Car: No
Breakdown Cover: No
Drive other cars (3rd Party): Yes
Accidents: None
Convictions: None
Tracker required: No
Insurance Company/Underwriter: Direct Line
Premium: £493.96
Excess (Accident and theft):£850
Trackday cover included: No
Notes: I got two other quotes: Adrian Flux was a ridiculous £800 odd. I can't remember the other one but it was more than Direct Line, who I was already with on my previous car.
Hi guys,
Just seen this thread and I would recommend for some of you insuring your car under a classic insurance policy.
I just insured my 2002 3.6 tip cabrio for £407 with 3000 mile limitation. On a standard policy, it was going to cost me around £800.
Quite an impressive saving. The insurer insisted I be a member of an owners club though.......
Just seen this thread and I would recommend for some of you insuring your car under a classic insurance policy.
I just insured my 2002 3.6 tip cabrio for £407 with 3000 mile limitation. On a standard policy, it was going to cost me around £800.
Quite an impressive saving. The insurer insisted I be a member of an owners club though.......
steveoz32
New member
Mine moved from 380 to 460 last Sep through Swiftcover.
That is a 996 C2, using 7 years NCB on it now and 12k SDP, 32 years at the time of renewing, IT consultant.
Admiral was about 20.00 cheaper, but this was on a multicar policy which it didn't make sense to move to (would have not been worth it as I would have lost out getting back premium from SC). Without multicar they were more expensive by over £100.
Interestingly Swift wanted £600 for the MG! LOL, hence moving that to Admiral at a reasonable 270. The fun will commence again come this September!
That is a 996 C2, using 7 years NCB on it now and 12k SDP, 32 years at the time of renewing, IT consultant.
Admiral was about 20.00 cheaper, but this was on a multicar policy which it didn't make sense to move to (would have not been worth it as I would have lost out getting back premium from SC). Without multicar they were more expensive by over £100.
Interestingly Swift wanted £600 for the MG! LOL, hence moving that to Admiral at a reasonable 270. The fun will commence again come this September!
I've just gone through the renewal lottery again and am back with Admiral after 2 years with Sheila's Wheels !
Car: 911 Carrera 4 (996) 2004
Renewal Date: June 2012
Age: 57
Postcode: CB10
Occupation: Osteopath
No Claims Bonus: 9+
Protected: yes- guaranteed
Where Kept Overnight: Drive
Cover: Comprehensive
Drivers: Me and wife
Licence held/time: 37
Useage: SDP & C & Business
Mileage limitation: 13000
Legal Protection: Yes
European Cover (days free): 30
Guaranteed Courtesy Car: Yes
Breakdown Cover: No
Drive other cars (3rd Party): Yes
Accidents: None
Convictions: None
Tracker required: No
Insurance Company/Underwriter: Admiral
Premium: £375
Excess (Accident and theft):£250
Trackday cover included: No
So, this is my cheapest for a few years, even with my previous Boxster. Probably rise dramatically next year knowing Admiral, but good while it lasts!
Car: 911 Carrera 4 (996) 2004
Renewal Date: June 2012
Age: 57
Postcode: CB10
Occupation: Osteopath
No Claims Bonus: 9+
Protected: yes- guaranteed
Where Kept Overnight: Drive
Cover: Comprehensive
Drivers: Me and wife
Licence held/time: 37
Useage: SDP & C & Business
Mileage limitation: 13000
Legal Protection: Yes
European Cover (days free): 30
Guaranteed Courtesy Car: Yes
Breakdown Cover: No
Drive other cars (3rd Party): Yes
Accidents: None
Convictions: None
Tracker required: No
Insurance Company/Underwriter: Admiral
Premium: £375
Excess (Accident and theft):£250
Trackday cover included: No
So, this is my cheapest for a few years, even with my previous Boxster. Probably rise dramatically next year knowing Admiral, but good while it lasts!
John Ware
New member
And again........
Car: 996 Turbo (uprated suspension and brakes)
Renewal Date: July 2012
Age: 38
Postcode: RG40
Occupation: Airline Pilot
No Claims Bonus: 10 years
Protected: Yes
Where Kept Overnight: Garage
Cover: Comprehensive
Drivers: Me only
Licence held/time: 20+ years
Useage: SDP (no commuting)
Mileage limitation: 5000 per year
Legal Protection: No
European Cover (days free): Yes (30)
Guaranteed Courtesy Car: No
Breakdown Cover: No
Drive other cars (3rd Party): Yes
Accidents: 0
Convictions: 0
Tracker required: No
Insurance Company/Underwriter: Henderson Taylor
Premium: £664.87 (with 15% PCGB discount)
Excess (Accident and theft): £500
Trackday cover included: Yes (excess 10% of insured value)
Notes: I've given up trying to do multi-car deals with the Range Rover. HT (above) came down a lot following a phone call to the above total and remained extremely competitive. Adrian Flux quoted £595 for broadly the same with an extra £x for this and £y for that (and a bit too much hard sell). I didn't feel comfortable with them so continued with HT so a 7% increase since last year. I managed to get the Range Rover down to £257 with Elephant (big saving) so overall paying £921 for both. A decrease of 10% versus last year.
Car: 996 Turbo (uprated suspension and brakes)
Renewal Date: July 2012
Age: 38
Postcode: RG40
Occupation: Airline Pilot
No Claims Bonus: 10 years
Protected: Yes
Where Kept Overnight: Garage
Cover: Comprehensive
Drivers: Me only
Licence held/time: 20+ years
Useage: SDP (no commuting)
Mileage limitation: 5000 per year
Legal Protection: No
European Cover (days free): Yes (30)
Guaranteed Courtesy Car: No
Breakdown Cover: No
Drive other cars (3rd Party): Yes
Accidents: 0
Convictions: 0
Tracker required: No
Insurance Company/Underwriter: Henderson Taylor
Premium: £664.87 (with 15% PCGB discount)
Excess (Accident and theft): £500
Trackday cover included: Yes (excess 10% of insured value)
Notes: I've given up trying to do multi-car deals with the Range Rover. HT (above) came down a lot following a phone call to the above total and remained extremely competitive. Adrian Flux quoted £595 for broadly the same with an extra £x for this and £y for that (and a bit too much hard sell). I didn't feel comfortable with them so continued with HT so a 7% increase since last year. I managed to get the Range Rover down to £257 with Elephant (big saving) so overall paying £921 for both. A decrease of 10% versus last year.
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