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The Ultimate Insurance Thread??

Not a 996, but it might help someone.

Car: 2007 Cayman S
Renewal Date: 21/11/12
Age: 60 (don't say anything!)
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: 43 years
Useage: SDP & Business Class A
Mileage limitation: 12000
Legal Protection: Yes
European Cover: Yes
Guaranteed Courtesy Car: No
Breakdown Cover: No
Drive other cars (3rd Party): Yes
Accidents: 1 minor at-fault 04/09
Convictions: 1 x SP30 08/09
Tracker required: No
Insurance Company/Underwriter: Liverpool Victoria
Premium: £362.50
Excess (Accident and theft): £500
Notes: Renewal with Aviva came in at £590, so I "Compared the Meerkat" and got virtually identical cover with LV for £230 less. LV seem to be offering keen prices at the moment.
 
I have checked the policy documents and can't find that anywhere, but I'll get out my fine-toothed comb tonight. I always keep the car in the garage overnight anyway. I think most companies would take a dim view of insuring the car on the basis of it being garaged, and then leaving it on the driveway all night.
 
Agreed, but there might well be an occasion you're going out again after 10pm or perhaps storing something in your garage overnight, in which case, leaving it on your forecourt, it wouldn't be insured. But by leaving on your neighbours' forecourt, it would be covered! [8|]

It's worth checking. I always garage mine, but decided to pay the little extra (about £25 from memory) for forecourt cover just to be on the safe side. [:)]

Regards,

Clive.
 
Richard,

Did you manage to check your policy?

I'd be interested to hear if that stipulation is still being included.

Regards,

Clive.
 
I read every word of all the LV policy documents, and couldn't find any mention of it.

I am familiar with the clause, as the policy I have for the 3.2 includes it. Coincidentally, the renewal for that came through on Friday. Down from £409 last year to £330 this year - same insurer, same cover. Go figure.

For the first time in my driving history, the road tax on my main car is more than the insurance. [:mad:]
 
this is copied info from a post but thought it would be beneficial here too!

+1 for CL, 3rd year I've been with them....

£24 cheaper than last year ( now £385) & have added commuting for the occassional drive to work [:)]

age 58
licence held 41 years
postcode sg19
garaged

5k miles, agreed valuation, 30 day fully comp Euro cover, breakdown cover included as standard (although I'm with AA), £250 excess

myself & wife who has 2 minor claims in last 3 years......

PS - make sure you advise them of PCGB membership

Best I got from 'nationals' was £315 self only, with an additional £500 compulsory excess, NO commuting or the all important agreed valuation which is due for reassessment.
forms & photos off to Club Office today
 
Car: 911 Carrera 4 (996) MY2000
Renewal Date: August 2013
Age: 42
Postcode: ME5
Occupation: Tutor/Engine Tuner
No Claims Bonus: 10+
Protected: Yes
Where Kept Overnight: Drive
Cover: Comprehensive
Drivers: Me
Licence held/time: 25
Useage: SDP
Mileage limitation: 6000
Legal Protection: Yes
European Cover: Yes
Guaranteed Courtesy Car: Yes
Breakdown Cover: Yes
Drive other cars : Yes
Accidents: None
Convictions: None
Tracker required: No
Insurance Company/Underwriter: Pace Ward Ltd
Premium: £279.00
Excess (Accident and theft):£350
Trackday cover included: Yes (extra cost £60)
Notes: I have the car covered under my Family Fleet Insurance Total cost is £779.00, £500 of the premium is for my 4x4 that I use everyday for work etc.
 
Car: 911 C2 tiptronic
Renewal Date: Oct 2013
Age: 59
Postcode: OX28
Occupation: Civil servant
No Claims Bonus: Max on another car but none on the porsche (mirrored)
Protected: No
Where Kept Overnight: garage
Cover: Comp
Drivers: 2
Licence held/time: 40 yrs
Useage: SDP
Mileage limitation: 5000
Legal Protection: No
European Cover (days free): 90
Guaranteed Courtesy Car: no
Breakdown Cover: No
Drive other cars (3rd Party): Yes
Accidents: No
Convictions: No
Tracker required: No
Insurance Company/Underwriter: Admiral
Premium: £365
Excess (Accident and theft): £750
Trackday cover included: No
Notes: Moved to Admiral as LV would not accept more than two modifications (rear wing, lights and wheels). Mutli car policy meant a discount.
 
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 :)

Comprehensive.
Age 58
Garaged, 5k miles, Euro Cover, Breakdown, AV, Legal Protection, Self & Spouse who has 2 minor claims in 3 years, Protected NCB, SDP + commuting, £250 excess, (this rises to 10% value of vehicle if advised of trackday use)

Regards

Paul (Kasspa)
 
Car: 2000 Carrera 4 Tiptronic
Renewal Date: January 2014
Age: 52
Postcode: NR10
Occupation: Unemployed
No Claims Bonus: 9 years
Protected: No
Where Kept Overnight: Reserved Parking
Cover: Fully Comprehensive
Drivers: Me and the wife
Licence held/time: Full/25 years
Useage: SDP
Mileage limitation: 10,000
Legal Protection: No
European Cover (days free): No
Guaranteed Courtesy Car: No
Breakdown Cover: No
Drive other cars (3rd Party): Yes
Accidents: 1 not at fault
Convictions: None
Tracker required: No
Insurance Company/Underwriter: Swiftcover
Premium: £240
Excess (Accident and theft): £550
Trackday cover included: No
Notes:
Click to expand...
 
Just changed my policy to AXA
Fully comp with Protected NCB, legal cover, hire car and lost key insurance for £280.
 
Just changed from Admiral (who actually would have reduced things substantially when I called to cancel), to Classicline have agreed value, reduced excess to only £200, included club track days and a very good premium of only £252. Good result.

Car: 911 C2 tiptronic
Renewal Date: Oct 2014
Age: 60
Postcode: OX28
Occupation: Civil servant
No Claims Bonus: Max on another car and one year on the porsche (but NCB not taken into account)
Protected: No
Where Kept Overnight: garage
Cover: Comp
Drivers: 2
Licence held/time: 40 yrs
Useage: SDP & commuting
Mileage limitation: 5000
Legal Protection: No
European Cover (days free): 90
Guaranteed Courtesy Car: no
Breakdown Cover: Yes
Drive other cars (3rd Party): Yes
Accidents: No
Convictions: No
Tracker required: No
Insurance Company/Underwriter: Classicline
Premium: £252
Excess (Accident and theft): £200
Trackday cover included: Yes but larger excess
 
It looks like Classic Line again for me... even with an increase of £8.00

Wish I could get near your £252 Steve.... [:(]

Definitely the Postcode Lottery as all other areas of policy, age/driving/accidents/etc are similar.....

 
Axa renewal £235. Happy days!

Car: 911 3.6 C2 cabriolet
Renewal Date: November 2014
Age: 47
Postcode: BN10
Occupation: IT consultant
No Claims Bonus: Max
Protected: Yes
Where Kept Overnight: garage
Cover: Comp
Drivers: 2
Licence held/time: 30yrs
Useage: SDP & commuting
Mileage limitation: NONE
Legal Protection: Yes
European Cover (days free): 90
Guaranteed Courtesy Car: no
Breakdown Cover: Yes
Drive other cars (3rd Party): Yes
Accidents: Yes - (2 years ago, wife wrote of my Audi)
Convictions: No
Tracker required: No
Premium: £235
Excess (Accident and theft): £400
Trackday cover included: Yes but larger excess.
 
Its really interesting

Had a renewal through from ADRIAN FLUX 530.00 using my 6 years NCB [>:]

Phoned the Porsche Insurance Scheme 370.00

Phoned ADrian Flux Dropped it to 340.00 !!!!!!!!!! [:)]

Phoned Porsche Insurance Dropped it to 340.00

So it is worth shopping around. NOT HAPPY THAT ADRIAN FLUX DID NOT GET A BETTER QUOTE 1st TIME

Speak to David Jennings A/C Manager Lockton 0207 933 2579

LOckton offer official Insurance for Aston Martin, Ferrari Owners Club

Car: 2001 Porshe 911 966 Carrera 4S
Renewal Date: 21/11/14
Age: 67 (don't say anything!)
Postcode: SY1
Occupation: Retired
No Claims Bonus: 6+ years
Protected: Yes
Where Kept Overnight: Driverway
Cover: Fully Comprehensive
Drivers: Self & Wife
Licence held/time: 50 years (old git)
Useage: SDP
Mileage limitation: 7500
Legal Protection: Yes
European Cover: Yes
Guaranteed Courtesy Car: No
Breakdown Cover: No
Drive other cars (3rd Party): Yes
Accidents: 1 No Fault 2013
1 Suspension collapse 2011 (Drops of next year)
Convictions: None (
Tracker required: No
Insurance Company/Underwriter: Porsche Owners Club/ CHUBB
Premium: £330.00
Excess (Accident and theft): £250.00
Notes see introduction

 
Dear All,
This is my recent renewal quotation and last year the premium was £252.

Car: 2001 Carrera 4 Tiptronic
Renewal Date: March 2015
Age: 56
Postcode: PO3
Occupation: Design Engineer
No Claims Bonus: 4 years
Protected: No
Where Kept Overnight: On road
Cover: Fully Comprehensive (with protection against uninsured drivers)
Drivers: Owner only
Licence held/time: Full/35 years
Useage: Social. Domestic, Pleasure & commute to 1x work address
Mileage limitation: 12000
Legal Protection: No
European Cover (days free): No
Guaranteed Courtesy Car: Yes
Breakdown Cover: No
Drive other cars (3rd Party): Yes
Accidents: None
Convictions: 1x SP30 (Apr 2012)
Tracker required: No
Insurance Company/Underwriter: Swiftsure
Premium: £247
Excess (Accident and theft): £250
Trackday cover included: No
Notes: Full Member: Institute of Advanced Motorists (FIRST register)

Regards,
Andy
 
My first year with the 996 although have another 911.

Daily driver SD&P £174

Car: 2002 996 C2
Renewal Date: January 2015
Age: 45
Postcode: EH55
Occupation: Engineer Aerospace
No Claims Bonus: 9+years
Protected: Yes
Where Kept Overnight: Off Road, In Drive
Cover: Fully Comprehensive
Drivers: Me n her(but not likely to happen)
Licence held/time: Full/28 Years
Useage: Social. Domestic, Pleasure & commute to 1x work address
Mileage limitation: 15000
Legal Protection: yes
European Cover (days free): No
Guaranteed Courtesy Car: Yes
Breakdown Cover: No
Drive other cars (3rd Party): Yes
Accidents: None
Convictions: none
Tracker required: No
Insurance Company/Underwriter: AXA Car Insurance
Premium: £174
Excess (Accident and theft): £250
Trackday cover included: No

cheers
Alan
 
New to Porsche (Alfa fan)
New to this forum

Car: 1998 Carrera 2
Added to Aviva Multicar Date: May 2015
Age: 42
Postcode: DN5
Occupation: Construction Project Manager
No Claims Bonus:11 years
Protected: No
Where Kept Overnight: On drive
Cover: Fully Comprehensive (with protection against uninsured drivers)
Drivers: Owner and Spouse (over 25yrs only)
Licence held/time: Full/24 years
Useage: Social. Domestic, Pleasure
Mileage limitation: 4000
Legal Protection: Yes
European Cover (days free): Yes
Guaranteed Courtesy Car: No
Breakdown Cover: No
Drive other cars (3rd Party): Yes
Accidents: None
Convictions: 1x SP30 (Oct 14)
Tracker required: No
Insurance Company/Underwriter: Aviva
Premium: £317
Excess (Accident and theft): £650
Trackday cover included: No
 
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