Insurance (uk)

For help finding/discussion about good insurance rates.

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Re: Insurance (uk)

Postby simonbuk » Mon 07.05.2018, 14:19

What's the 'spares' ?

You get cover for any spares you have in the garage ?
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Re: Insurance (uk)

Postby clemo » Mon 07.05.2018, 16:09

simonbuk wrote:What's the 'spares' ?

You get cover for any spares you have in the garage ?


Correct spares connected to any car ( not just elan) and covers any spares in the boot.
Jim Clark S2 - 1/13. The one with the Yellow spoke wheels . No 613 on dash (pushed in to factory in wrong order 615 on tub)
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Re: Insurance (uk)

Postby Saltire » Mon 07.05.2018, 16:27

Interesting stuff, Clemo. Sounds like I should try FJ next year - that’s a big discount for CL membership.

FWIW, I paid Adrian Flux £260 and change for a 1995 S2, 5,000 Miles SDP, rural Wiltshire, garaged, insured and spouse (both in 60s), including breakdown, legal, comp cover up to £20K to drive any other car, no mods declared. I got an introductory discount because I have a full (15+ years) NCD on two other cars. Salvage retention included, agreed value will be £15 extra when I send in the pictures.
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Re: Insurance (uk)

Postby dapinky » Mon 07.05.2018, 17:12

I've been extolling the virtues of FJ for the past 3 years - they also give me a good discount for having the Triumph with them on the same policy (as I can only drive one at a time)..... albeit that it is currently on an 'off-the-road' cover with another company for about £40.

I don't know what they are like in event of a claim, but from the service I receive when I speak to them at renewal time I don't expect any issues at all (with agreed value they either mend it or give me the cash + whatever is left of the car).

simonbuk wrote:What's the 'spares' ?

You get cover for any spares you have in the garage ?

The nice thing is that you can cover whatver value of 'spares' you wish (at incremental premium increases), and add a lot of other 'add-ons' depending on personal needs.
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go on - click this link - you know you want to!
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Re: Insurance (uk)

Postby daveiow » Mon 07.05.2018, 18:34

Just had my renewal from Carole Nash arrive-
Used to be with Zenith now with Highway (-LV)
Comprehensive, European Cover, £100 excess £75 windshield excess £8k valuation
£173 down from £281 :D
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Re: Insurance (uk)

Postby simonbuk » Mon 07.05.2018, 18:59

Strange how prices seem to have gone down on cars like our but price increases have been reported on normal cars.
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Re: Flux Direct

Postby Kathryn » Mon 07.05.2018, 19:31

Saltire wrote:
Customer service? Could do better!


I’ve always found their customer service excellent. You’re not on hold for ages waiting to talk to someone either (at least I haven’t been) I suppose it depends who you get at the end of the phone! Spoke to three people this time, all friendly and helpful. The last guy mentioned they are just up the road from the Lotus factory, I said I’d like to visit it and he told me to pop in for a cup of tea! :lol:
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Re: Insurance (uk)

Postby clemo » Mon 07.05.2018, 19:33

I could have saved a fair more if i didn't want the bolt ons But the agreed buy back value put many of the main companies out the picture.
I have just spent a blinking fortune on my elan. If someone bumps it up the rear and it gets written off for the lack of new lights available i want it back . I also want it back without having to pay the salvage price to get it back.

In simple terms . Car gets whacked up the rear. Gets written off i get the car back and £15,000 no deduction.

And at £15,000 she agreed that this is within the "without question" bracket . If i said it was £25,000 they may have asked why i thought the number was that high. Though nut and bolt rebuild with chassis off restoration was noted so if the value increase over the years such as the esprit did then i will have a higher % due to this.

Ps i have no wish for my car to be bumped i want to actually enjoy driving the thing !
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Re: Flux Direct

Postby Saltire » Tue 08.05.2018, 08:25

Yes, I knew they were in Norfolk. The guy I spoke to sounded really bored and was very salesy: “buy now, immediately, or the price goes up £50”; “have you finished asking questions yet, or can I take your card number”. And so on. He may have been a trainee, because he seemed to need to go off and ask someone else every five minutes, so I’ll forgive him. But he didn’t give me a nice warm feeling that they’d look after me in the event of a claim. Time will tell (not that I’m planning a claim, you understand) :)
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