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PeterL

Dreaded but Necessary Insurance

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Hi guys has anyone had a good quote recently and by that I mean fully comp at around £500.00.  No points and cough cough 50 this year, wife and younger brother on the policy.  I currently get my insurance through A plan but not sure if the Policy would actually replace the value of the car if it was totalled.

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I pay £353 to Aviva for me and the missus - fully comp (social domestic and pleasure, 6,000 miles per year).  £500 compulsory excess, £350 voluntary.

 

I live in London and am a few years older than you with full NCB and no points.

 

Not made a claim on their car insurance so no idea if they are difficult. They were OK with the dog when we made a claim!

 

I doubt any insurer would give us what we value our cars at if it was written off, unless you get a special valuation carried out.

 

Edited by gbrownings
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I may well give them a try but my annual mileage is double your, thanks

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Sky insurance £600 fully compd up to 400bhp for my e30 turbo. E39 530D Touring was £300 on classic with Footman James. The day they changed their policy on the amount of years to determine whether it could be a classic or modern classic. Full NCB, no points. 28 in West London. Made a claim on the 39 this year because a motorbike decided he wanted to weave through standstill traffic at the expense of my front bumper. Waiting for insurance to determine who's at fault. Hoping I can keep my NCB even though these days it means bugger all.

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Blimey just got a couple of quotes 

 

Hastings Direct - £411.72 

Direct Line - £500.50 voluntary excess £350, No NCB protection and no leal cover.  I think the compulsory excess was £850.

 

Must check to see if they have an agreed value as at the moment I am going through A plan for an Ageas Policy.  I also tried Arriva but they wanted £972.00.

 

 

Edited by PeterL

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Get an idea on comparison sites...

 

My renewal has just come through at £373, business use and 20k miles... and I think it's a bit cheeky as last year it was £235ish... so far the best I've seen is Tesco at £288... so will be calling mine and seeing if they want to reconsider the renewal quote.

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That's a heck of a good price

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I really must phone round more places next year, paid well over a grand the last 3 years.

 

I think the last claim on my history will drop off next year so hopefully it will drop by a fair bit.

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Mines just come through from LV at £324 with exhaust, brake and suspension mods. 47yrs old, 9yrs NCB, wife as a named driver and 5 other cars in the household. That's down about £120 from last year. 

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Just renewed mine with Chris Knott, £360 fully comp with mods declared - Jumped up from last years premium by a few quid, but still the cheapest out there for the quotes I was given.

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I renewed through my broker using Ageas.  They will let me take the car to a repairer of my choice, wasnt the cheapest but £500 is ok.

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Did mine yesterday with Tesco's bank - Fully comp business use 20k miles pa and it came in at £285.

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I renewed through my broker using Ageas.  They will let me take the car to a repairer of my choice, wasnt the cheapest but £500 is ok.

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Ageas are very good at paying claims as I found out - settled in 2/3 days!  I have both cars and my bike insured with them; cars via A-Plan and bike via Bennetts.  I reckon I should get a block discount for having 3 policies with them!! LOL

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I am also in a B area SK9 but I swear people hear the area I live in and add ££££'s.

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We're in group A and have private parking so win-win! Saying that the old SO post code was only B but that was renting in one of the posh bits.

 

I did note this bit:  * = Any motorcycles in areas D, E or F must be garaged in a locked and secured building whilst at the policy holders address

but we have this restriction in group A area and the same in B in Southampton so the info on that site isn't totally accurate!

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On 22/03/2017 at 4:38 PM, Seesure said:

Did mine yesterday with Tesco's bank - Fully comp business use 20k miles pa and it came in at £285.

 

I received a similar quote today but it turns out their maximum valuation for damage/write off is under £2,000.  My '02 M5 with 98k on the clock is clearly 'worth' more than that.  Seems this low valuation is common across the mainstream insurers but I am struggling to find anyone who will offer a more realistic market value.

 

 

 

 

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3 hours ago, gbrownings said:

 

 

I received a similar quote today but it turns out their maximum valuation for damage/write off is under £2,000.  My '02 M5 with 98k on the clock is clearly 'worth' more than that.  Seems this low valuation is common across the mainstream insurers but I am struggling to find anyone who will offer a more realistic market value.

 

 

 

 

 

Speak to a specialist like Chris Knott etc...

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3 hours ago, d_a_n1979 said:

 

Speak to a specialist like Chris Knott etc...

 

Yes going to try a few. Chris Knott helpful but unable to come up with anything remotely close to Tesco or with better write-off figures.  Being an M5 and ungaraged the main issue. 

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