Performance Car Insurance

Greenlight are fantastic if you have a modified car. Have a lot of reps on owners forums so you get a direct port of call, track day cover at £30 per day and extra mods cost nothing plus agreed valuation etc. Only downside is they only do modified cars.
 
DAIR, sorry in advance for hijacking your thread.

Housey, would you mind giving me the details of your insurer? I'm not paying much less for two cars with way less cover than you have, and I had to shop around a bit for that as well, though the cover I have does include full cover for business use, and a lot of miles, but I'd be interested to find out if a policy similar to yours might work out as better value.
 
I use A-Plan for mine. However, I hear good things about Mannings via PCGB who also include track day cover as well.
 
Housey said:
I have a household policy which covers anyone who lives in the household (my wife and I effectively) and also anyone who doesn't but is driving with my permission. This means I can let friends drive my cars or people test drive before purchase knowing they are fully comprehensively insured. I can also drive any other car, with the owners permission as can my wife, knowing we are fully comprehensively insured, not just third party insured. The policy is built around my main car, but I added my Polo GTi lease car to that policy for zero cost and my wife's MX5 is also on the policy for zero cost. We also have a like for like loan car policy, the choice to take the car to any body shop I so chose and full international cover too, including hire car cover. For this I pay 1250 per year.
Click to expand...

Do you mind me asking who you used to get such a policy? Given the cars involved and freedom offered it seems quite good value to me.
 
I phoned around all the specialists who wanted 1k+ to insure my ST, I tried a quote on a comparison site and Aviva and AXA were offering cover for £650. Went with AXA as they do short term European cover.

None of the performance 'specialists' added any value, fair enough Greenlight will let you cover Mountune upgrades for free, but they still wanted more for a standard ST than Aviva would insure a MP215 for, so what's the point?
 
BigT said:
Do you mind me asking who you used to get such a policy? Given the cars involved and freedom offered it seems quite good value to me.
Click to expand...

Again I have a mate who is an insurance specialist at the higher end of the market for people who typically have a few cars or one or two nice ones and need a bit more than a website and some tick boxes. You can always get cheaper but that sort of misses the point as extra flexibility is more important to me that a few quid more each year.
 
I always used to go between greenlight and sky for my years driving the following:
Astra VXR, MX5, S2000.

Always found them the cheapest, although I think my first year on the VXR was elephant as I didn't know about them at the time.

Still with Sky with the Volvo as Greenlight cant insure it unless I modify it :D
 
Janesy B said:
None of the performance 'specialists' added any value, fair enough Greenlight will let you cover Mountune upgrades for free, but they still wanted more for a standard ST than Aviva would insure a MP215 for, so what's the point?
Click to expand...

Because their speciality is modded cars, not standard ones. Add a few mods onto the ST and it'll plummet far below what you were quoted for the MP215 package with Aviva.

I added the following mods under one policy with Greenlight:
Downpipe
Induction Kit
Powerflex bushes on the front end
Rear anti roll bar
Uprated clutch
Quickshifter

The cost? £0. No admin charge, no premium increase, nothing. Just a quick PM on the owners forum and I got a message back within a couple of hours to say it was all sorted. Plus they're all covered like-for-like, not like most mainstream insurers which charge you a premium to cover additional parts and then stick OEM ones back on if you ever stack it.

Price isn't everything ;)
 
Housey said:
Most mainstream insurers wont insure an R8 V10 so I am talking super car performance not just a fast hatch, Evo/Scooby/M car stuff. The premium is going to be significant on the car alone and I am 49 with a clean licence and decades of protected no claims.
Click to expand...

It's still a lot tho if just renewed my 996 turbo and it's come to 330 quid as I don't think agreed value is worth it. I'm 30 with 12 years ncb and my wife is also on it. While you car is worth more mines still in the top group so you are paying a lot, unless you live in Bagdad or somewhere like that:p.
 
theone8181 said:
It's still a lot tho if just renewed my 996 turbo and it's come to 330 quid as I don't think agreed value is worth it. I'm 30 with 12 years ncb and my wife is also on it. While you car is worth more mines still in the top group so you are paying a lot, unless you live in Bagdad or somewhere like that:p.
Click to expand...

I am not paying a lot for what I get. You have a very different policy to me I suggest. I have 3 cars on my policy, I have fully comp on anything I drive and you could turn up to my house and drive any of my cars and be insured on my policy fully comp (as you're 30). You don't get that for 330. What you get for 330 is a basic insurance policy which is no good to me. I went to the Ring, I could happily drive friends 991 GT3's, MC12's, Massa etc because I was insured fully comp. They could drive mine as so were they. THAT is what you pay for as is adding a new car for most likely no increase in policy cost. To add getting insurance on a 10 + year old 911 is not the same as a 2 and bit year old R8 V10.
 
Last edited:
Housey said:
I am not paying a lot for what I get. You have a very different policy to me I suggest. I have 3 cars on my policy, I have fully comp on anything I drive and you could turn up to my house and drive any of my cars and be insured on my policy fully comp (as you're 30). You don't get that for 330. What you get for 330 is a basic insurance policy which is no good to me. I went to the Ring, I could happily drive friends 991 GT3's, MC12's, Massa etc because I was insured fully comp. They could drive mine as so were they. THAT is what you pay for as is adding a new car for most likely no increase in policy cost. To add getting insurance on a 10 + year old 911 is not the same as a 2 and bit year old R8 V10.
Click to expand...

Im not saying it is im just saying its expensive. You get what you pay for i realise, and my policy works for me as yours does for you.
 
Housey said:
Again I have a mate who is an insurance specialist at the higher end of the market for people who typically have a few cars or one or two nice ones and need a bit more than a website and some tick boxes. You can always get cheaper but that sort of misses the point as extra flexibility is more important to me that a few quid more each year.
Click to expand...

Is this mate of any sort of company or even available to us mere mortals? I pay around 800 fully com for 3 cars. One highly modified, one slightly and one standard. Considering the high end metal you get for a mere 1200 a year it is only 400 more than mine and you get a lot more than mine (which isn't actually that bad as I do get track and European cover).
 
adam cool dude said:
Is this mate of any sort of company or even available to us mere mortals? I pay around 800 fully com for 3 cars. One highly modified, one slightly and one standard. Considering the high end metal you get for a mere 1200 a year it is only 400 more than mine and you get a lot more than mine (which isn't actually that bad as I do get track and European cover).
Click to expand...

Don't forget I live in a very safe place, am nearly 1000000 years old and have a clean licence and no claims going back to the ice age. He is of course open to mere mortals for I am one, but I'm not going to stick his details up. I will have a word, get him to look at this thread and go from there. If he can help he can dive in, if not then I will let one and all know. He is a broker but focuses on high quality products so that tends to come with caveats around risk profiles, age, history, experience etc (which I have no idea about). Where is Merlin these days, doesn't he do this stuff, I am sure he can add stuff of more intelligence than I will on this subject.
 
HangTime said:
Here's an example of the sort of policy you can get as an add-on to their home insurance (or standalone): http://www.hiscoxbroker.co.uk/private-client-insurance/motor-insurance/
Click to expand...

Hmm I just turned 30 and I do have cars which were over 30k brand new although not worth that now! It is like Housey said you get cheap insurance but when something goes **** up you get what you pay for. When the other half crashed her car it had to go back three times because they wanted to use some cowboy outfit yet if I was able to choose my local Suzuki garage it would have never of happened.
 
Last edited:
You must log in or register to reply here.
Back
Top Bottom