Insurance

[Purple AK]

Just looking around for the best deal on insurance By the the best deal I dont necessarily mean the cheapest! Just the one that offers the best cover with no nasty suprises if you are unfortunate enough to have to claim. So far I've asked for quotes from 10 Companys/Brokers online and only 5 have bothered to reply!! The cost ranges from £387 -£583 for F/comp, 5000mls a year, Guaranteed Value, Locked Garage, No alarm and Breakdown cover. Anyone got any Pros and Cons to offer on the various contenders?
Cheers

[Miket]

Chris

I've tried them all this year to see if I could cut down the Insurance cost, the cheapest I could find was Adrian Flux at £360 fully comp, 1 driver, 3000 miles, no guaranteed valuation.

I decided I would stay with Blackford Bloor, £420, 1 driver, 3000 miles, with a guaranteed value off £25000.

Piece of mind means a lot.

[Rat Boy]

I'm with Mike on this:
Backford Bloor- 5000mls, £25k agreed value, NO no claims bonus, 4named drivers, no alarm/immob, kept on drive overnight, green card all for £420 and the only co. that would cover me for NOS.
(Then again I am an ol' gibber of 42!!!.......They even cover me if I have a shunt in B&Q's car park on a Thursday (discount day for us old age perishers...... it's great in the car park - smells of slipping clutches and p*ssy pants on all day. Better than burning rubber and booming stereos...... eat your hearts out you hatch back bolt-on bass box Billy big bore boys, nnyeeaaaaa). Sorry, time for my stewed prunes. gib-gib-gib-dribble-dribble.

[Purple AK]

Erm at 52 they are taking the prov at £583.55!! Or Maybe they are trying to tell me something

[Rat Boy]

PS. Adrian Flux payed out no quibble, agreed value (and let me keep the wreckage) when I went under the centre reservation on a French Motorway in a S*lva Str*ker.
Aquaplaning: I'ts not big and its not clever.......What a trip though!!!!

Burn rubber 'til yer nieghbours puke.......ack ack ack

[Purple AK]

Adrian Flux seem a bit inconsistant, They Qouted £492.50, I said ouch, Hang on I'll see if I can get it down! £387.50!!! How/Why £105 discount?

[Rat Boy]

52..... c u @ B&Q
mmmm pruuunes.

Is it your only car cos if it is they'll give you a loading. If you've got access to another vehicle it's cheaper. Buy a £10 'ped and tell 'em, it's cheaper and you'll probably like it better than the 'bra..... B&Q will let you take it in store if you tell them it's a mobility scooter!
Oh no, I've wet me longun's again...."Matron"

[Purple AK]

But they only let me out on Mondays

[roll control]

Whichever way you go with your insurance, ensure (in writing) that the agreed value means agreed value. A lot of policies out there do not do what they say on the tin, I can personally vouch for this. One major insurer of 'classic' and 'kit' car (who shall remain nameless for legal reasons), recently tried to pay out 50% of an 'agreed' value on a total loss claim. Be careful. Backford Bloor's 'agreed value' does what it says on the tin (something they are proud of and advertise). Also, check very carefully the 'cherished salvage return' clause, i.e. in the event of a write off, can you keep the salvage or will it cost you? Again, speaking from experience here. Finally, does the policy cover you for breakdown and recovery? UK or European etc...


Statistics show in excess of 70% of drivers are under insured.

Rob

Try Hill House Hammond - Ak Cob 289ci £203.50 fully comprehensive including 30 day 'green card' (Le Mans trips sorted) 3,000 miles per year with no 'thatcham' requirements and weren't bothered about engine mods. I'm 37 and have an SP30.