Insurance (uk)

[Sy V]

Dico<br><br>I put all of my cars into FJ and they mirror the NCD across the board.

[Stef]

For you multiple car owners I know FJ can do a combined package deal.<br><br>Don't quote me as I don't 100% know the facts but I think if you have 2 (or 3) classics and one modern you can insure the lot for around £800.<br><br>You probably also need to be an old bstd though  :-*

[Sy V]

Hello<br><br>Old bstd here.<br><br>There's no limit mileage-wise on any of my car policies.   ???

[Stef]

I think that is fairly standard with FJ isn't it?

[Stef]

Hmmmm.  Interesting.  I think it is worth haggling with FJ and seeing what they can do for each individual case.<br><br>I guess there are a lot of affecting factors, age, number and type of vehicles, location, use of vehicles, users of the vehicles, how much you haggle etc etc.<br><br>Nothing is ever simple! (except perhaps me  :P)

[Sy V]

I may have mislead you here.  I have three separate policies all through FJ but they mirror the NCB throughout all three.

[ianh]

[quote author=Dico link=board=insure;num=1067883802;start=45#59 date=11/26/04 at 03:45:47]Ian, think thats as good as your going to get.<br><br>[/quote]<br><br>I think you're right!<br><br>FJ also pointed out that the Club Lotus valuations last two years, so I wouldn't have to go through the hassle this year if I renew with them. That combined with 20 mins on the phone with Firebond for the £1,800 quote  >:( put the seal on it.<br><br>I know everyone tells you to shop around for insurance, but it's definitely a pain in the ..... At least I'm now sorted for another year.

[John_W]

[quote author=Ian H link=board=insure;num=1067883802;start=60#68 date=11/26/04 at 08:43:31]<br>I know everyone tells you to shop around for insurance, but it's definitely a pain in the ..... At least I'm now sorted for another year.[/quote]<br>Ian,<br>agreed. I haven't changed for the last 3 or 4 years but last time I found quotes whach varied from hundreds to thousands. I'm old, full no claims,  and with a clean licence (at that time - before I was introduced to speed cameras by the family bus while on holiday). <br><br>I found the RAC was the only insurer who would "mirror" my NCB as Sy refers to (ie I have a Land Rover and the Elan on separate policies, but both acknowledge my no claims status). <br><br>The result is that I now pay about £190 for the Elan. If you have more than one car, try them (not sure if they would do it if both cars were Elans, Alan ). <br><br>Interestingly this year's renewal came after my little encounter with the £60 threatening letter for driving on a motorway - the quote actually went down when I told them.  ???<br><br>John

[ianh]

[quote author=John_W link=board=insure;num=1067883802;start=60#69 date=11/26/04 at 09:10:24]<br>Interestingly this year's renewal came after my little encounter with the £60 threatening letter for driving on a motorway<br>John [/quote]<br><br>John,<br><br>Didn't know that it was an offense to take the Elan on the motorway.... <br><br>I think I'm fighting too many battles here, as I first have to convince them to give me some credit for a clean record in a company car, and then hope they understand the 2nd car situation. Most just chalk me up as "zero no claims" and come up with daft numbers!<br><br>Decided to go with Footman James and get into it again next year once the car's 10 years old.<br><br>Ian

[rod]

Just moved to Firebond after reading recomendations in this thread<br><br>£320 Myself and wife, both over 30, no accidents / claims etc, garaged, lotus alarm/immobliser, SDP and commuting, brakes and suspension declared, 6000 miles, £450 excess, 30 day green card, glass cover, legal protection, 0 NCD.

[TStevens]

Footman James quoted me £628, £150 excess.   <br><br>Then I noticed the typo they had made on my date of birth. Making me '33' not '23' requoted at £1,650  :'(<br><br>Again Elephant are the cheapest for somoene of my age, at £840 (Admiral renewal at £950) <br><br>I did try and get Footman James to honour the quote, especially as they rechecked the online form I submitted with the correct DOB in. But they didnt seem to like the idea of that.

[quiksilva]

last year £315 - renewal thru door wanting £455  >:( (confused.com) phoned around a few people: elephant £450 and numerous bloody return calls ending with "stick that price up your a£$e". cut a  story short joined club lotus yesterday and with my new 10% discount insured via footman james for £314  :D Tony all you need to do to get your quote down is respray in BRG and join us 'mature sensible' drivers - you know it make sense  :P

[TStevens]

If I buy a labrador, flat cap, get an orange badge, and one of Sy's special shiny metal walking frame things  ;) then I may just qualify for a BRG  ;D<br><br>I think the fact Romford is a grade E* (on a scale of A-F) of then thefts scale isn't helping much either. <br><br>Either way, insurance is down £300 this year, so im happy with that. 57 weeks until the Magical 25.. (tick tock tick tock tick)

[Philbo]

Well, today I got the unpleasant experience of an insurance renewal through from Carole Nash that was a good 50% increase over last year. I switched to them 2 years ago for a classic policy when it was around £180, then last year it jumped to about £350, and now £544. Someone is taking the mickey, thinks I.<br><br>Do the web/phone thing. Web sites seem to be pretty useless as any modification declaration (brakes, refreshed turbo, replacement shocks etc) just mean that 9/10 of insurers reject you out of hand.<br><br>Those that are quoting are coming in at around the £480 mark. This is pretty ridiculous. Philbo gives up on mainstream insurers, tries the classic specialists.<br><br>The golden nugget is Classic Line. 1500 limited mileage, £8000 suggested value with an agreed value to be arranged through Club Lotus, legal cover etc but no breakdown (no probs as I have other cover): £157. 35 year old in Surrey, garaged, new Thatcham 1 alarm & immobiliser installed 3 years ago.<br><br>Now that is more like it, and undercuts Carole Nash by £400.

[Monty]

Now thats cheap, but u`r not planning on getting out much then with 1500 limited mileage  ::). Is that quote with the Mod`s?<br><br>Have u got a number for them? as my insurance is due in Feb.<br>Oh is that with or without no claims bonus   ???

[Philbo]

1500 miles goes a surprisingly long way on track...can always up the mileage if needs be.<br><br>Classic Line 01455 639000<br><br>Owned up to the mods as they stand. They didn't seem all that interested - classic car policies tend to be a lot more tolerant to parts "replacement" as it's expected that older cars will need maintenance.<br><br>I have 18 years NCB, but that's not a factor for a classic policy. Clean licences as well for wifey and me - though I had to declare 2 minor insurance claims last (one fault-free for me and another where the wife was at fault in her car).

[Monty]

Philbo,<br><br>Thanks for that number. Just rang them and there quoting £272 without using my no claims limited mileage of 4500 miles, £100 excess. There very good on mods that improve the car, but starts to go up when it comes to performance upgrades. <br>So thats better than FJ at £350  ;D<br><br>Forgot to ask will they cover u for trackdays.

[quiksilva]

oi! oi!<br>pick me up off my ars*! just put the phone down to classic line and they are doing it for £249 4500 miles and an agreed value of £9k great find philbo  ;D