Insurance Time Again

[jk66]

Originally Posted by The Milkman

I'm with Sureterm Direct classic policy. Limited to 3,000 miles, valued at £6,000 and kept in garage overnight. £180 and that's with 9 penalty points on my license.

thats very good price with penalty points, im paying 179.00 for 80GL 3,000 miles p/a downfall was let my insurance lapse due to taxi so now on 0,NCB with flux direct, they were the cheapest by far for me.

[Daveymaclad]

Mine at £93 was Lancaster for my URQ.

[darreno'd']

Carole nash, 41 yo Berkshire post code £151.00 garaged etc etc

[Minty]

If there are periods in the year when the car is off the road try asking for laid up cover for x months

[geneandbolly]

Originally Posted by Minty

If there are periods in the year when the car is off the road try asking for laid up cover for x months

that's hilarious as when i told them that the ur quattro would be laid up for the next 6 months the girl said, "dont worry - there's no EXTRA CHARGE for that!!"



thanks for your information, everyone - i'll get into finding a new broker in the next week or so.

craig

[geneandbolly]

Originally Posted by The Milkman

I'm with Sureterm Direct classic policy. Limited to 3,000 miles, valued at £6,000 and kept in garage overnight. £180 and that's with 9 penalty points on my license.

yup, sureterm were the best i found, stephen - £141 for the quattro but unfortunately they wouldn't touch the 90 quattro as it is "too modern"!! so how come footie james will insure it as a classic car?!! bloody hell!!

[Hanuman]

Different insurers/underwriters have different requirements when it comes to classifying as a classic.

My 1998 S4 was on classic insurance with Classicline, as it was deemed a 'future' classic. Meanwhile, same insurer would insure a 1990/G V8 as a classic, but a 1993/K V8 was too modern by 1 year.
Bizarre, and unfathomable. They probably have a very complex math formula to make the decision, starting with think of a number between 0 and 9, multiply by...

[geneandbolly]

Originally Posted by The Real MSH!

Different insurers/underwriters have different requirements when it comes to classifying as a classic.

My 1998 S4 was on classic insurance with Classicline, as it was deemed a 'future' classic. Meanwhile, same insurer would insure a 1990/G V8 as a classic, but a 1993/K V8 was too modern by 1 year.
Bizarre, and unfathomable. They probably have a very complex math formula to make the decision, starting with think of a number between 0 and 9, multiply by...

aye, it's absolutely maddening!! you spend all that time on the phone giving all these ridiculous details and for what? "and the best quote we are coming up with is.... TEN THOUSAND POUNDS!!" etc etc

[The Milkman]

I've just discovered by accident that the length of time you've owned your car has a dramatic affect on the price of your premium.

If I bought my Beemer in 2004, it would cost me £190 per year but because I've only owned it since July 2012 it was £300.

I can't understand why the length of time you've owned a car has such an affect on insurance but there you go.

[Daveymaclad]

Originally Posted by The Milkman

I've just discovered by accident that the length of time you've owned your car has a dramatic affect on the price of your premium.

If I bought my Beemer in 2004, it would cost me £190 per year but because I've only owned it since July 2012 it was £300.

I can't understand why the length of time you've owned a car has such an affect on insurance but there you go.

Familiarity of the car and its quirks. Many many drivers damage their car during the first few months/years of ownership. Goes especially so with cars that are high powered (or I'd imagine, a lot of gadgets - ooh how do I do that clever thing - eyes off the road - crunch!)

Makes sense to me.

Are you one of these people who change your details over and over again to see what affects your insurance? I certainly do and I'm amazed at some of the things that can make a difference!