Insurance Question

Muncher

Muncher

Muncher

Soldato
Joined
17 Oct 2002
Posts
7,169
Location
Ipswich
Not the usual insurance question, but does anyone know of a scheme which includes:

1) Trackday cover
2) Agreed valuations
3) Like for like replacement

If there's a particularly competitive quote from an insurer that doesn't include trackday cover then I might consider it.

My insurer has come back with a renewal which I feel is overly high and to some extent does not make any sense.

i.e. my premium was £776 last year, I added EyeDot (blast from the past ;)) to my policy and they wanted £135 as he was "an increased risk".

Renewal comes through at £1,093 and I ask them to requote and they are now saying it doesn't make any difference taking him off. Ok, so I ask them to quote for my girlfriend and they want £1,900 for that!

I'm then tempted to let the renewal lapse as I probably won't use the car until february and they advise me that it will "go up" as a new policy if I want a policy after it lapses. But they won't tell me how much, and won't even quote me as a "new" customer. Effectively they are trying to blackmail me into taking a policy which I'm not happy about.
 
Sorry this is going to be a vague first response, but you should just ring up an insurance broker such as Adrian Flux for starters and see what they can come up with.
 
Time to spend a few hours on the phone ringing around some specialist insurers, then call them back and tell them where to stick their policy 'cos you've got it "eleventy million pounds" cheaper with "joe bloggs insurance inc (R) ltd" with added bells and whistles.
 
I think I am going to let it lapse and take a look again in January. What I'd really like is a policy that covers me for just 8 months for road risk and 12 months for fire and theft.

What policies do people with classic cars use?
 
none of the above is anything i'd need.

But have you looked at Noel Dazely & Chris knott ?

Not sure what i'm looking for tbh with the like for replacement. Wouldnt that be the same as agreed valuations ?
 
Chriss Knott has turned into a bit of a joke, they won't insure anyone under 30 anymore.

Like for like replacement means if you have an accident the insurer will replace modified parts with modified parts, many won't.
 
Do none of the usual VX/Lotus insurers not offer anything of use? http://wiki.seloc.org/a/Insurance

The first one looks to be quite good. Agreed value and 4 track days included (I'm sure you could add more?)

How badly do you need like for like replacement in a fault accident? If it is none fault then your insurer is irrelevant and you are within your right to request like for like through an accident management company. Edit: Ah I see, best to ask the individual insurers what their policy is.
 
Muncher said:
Chriss Knott has turned into a bit of a joke, they won't insure anyone under 30 anymore.

Like for like replacement means if you have an accident the insurer will replace modified parts with modified parts, many won't.
Click to expand...

is that specific to the VX220 ?

they are currently insuring me at 28 !

albeit on the volvo.
 
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