Sorry guys, insurance question!

[BUG4LIFE]

If I still got my Motosrsport cab next month, my insurance is up - though my circumstances have changed quite a bit since last year. At the moment I'm insured with Lancaster - cos they were the only people I could find that would insure my cab with agreed value insurance [8k - 10k] for 12,000 miles per year. I was 26 with 5 year no-claims and I paid just over £600.

I now live in Worcester, and although I don't think the crime-rate is any higher than where I was living, I can now get an insurance policy with limited miles - as I reckon I'm gonna be doing less than 5,000 a year. This should open up a bunch of insurance companys able to offer cover? I still want an agreed value though.

So, has anyone got any recommendations?

I would of done a search, but 'agreed valuation' isn't mentioned much, so I thought I'd start this new thread

[E30BeemerLad]

www.skyinsurance.co.uk

can't recommend them enough

[Mahmood]

I've just taken a Classic Car Policy with Carole Nash. They have been good so far.

[iDreamBeemer]

http://www.performancedirect.co.uk

Just moved to this lot, agreed value and cheep....like the birdy

[gooner1]

http://www.performancedirect.co.uk

Just moved to this lot, agreed value and cheep....like the birdy

Got to second this been with them since ive had 325i cab ,cant fault them.Works out cheaper than my xr3i cab

[BUG4LIFE]

Cool guys, will give all these a try. Keep them coming

[E30BeemerLad]

let us know how you get on

[d6dph]

www.skyinsurance.co.uk

can't recommend them enough

Ditto

[Cotty]

Im with Adrian Flux as they are good with unusual/modified cars
http://www.adrianflux.co.uk/?gclid=CIS8 ... MAodVXKBFQ

They should be able to sort you out with just about anything you need, they are brokers so search all the specialist insurance company schemes and pick the one that best suits your circumstances

[Frenchy]

Just put the Is with Norton very cheap with cheap excess and first class service,old twat 3k a year,kept on the drive £179 FC.

Cheers Jim.

[fuzzy]

adrian flux have taken 15 months to finalise my claim and only got it sorted after i complained to the insurance ombudsman and they have just sent me a letter saying they have pleasure in enclosing my refund...but have not included the cheque

[Cotty]

adrian flux have taken 15 months to finalise my claim and only got it sorted after i complained to the insurance ombudsman and they have just sent me a letter saying they have pleasure in enclosing my refund...but have not included the cheque

Adrian Flux are brokers not the underwriter, if your not getting any joy from Adrian Flux who I understand are very good then its the underwriters that are causing the problem. Contact them direct, their details should be on your policy documents.

Ask to speak to the Claims Manager and dont be fobbed off, demand that you speak to him/her directly. Dont be agressive just state your case and that you feel that you have been treated unfairly.

They are just people and if you had someone shouting and screaming down tha phone you would tell them to F off so be diplomatic but forcefull

[gunndog]

Firebond are good my 320i is £245 FC (London post code)
Dont know about agreed value though

[oguz327]

http://www.performancedirect.co.uk

Just moved to this lot, agreed value and cheep....like the birdy

Ive been with this firm for 3 years and they seem very reasonable quote wise.

[stuartgallafant]

www.skyinsurance.co.uk

can't recommend them enough

spoke to a bloke called luke... he wouldnt even quote me!!! told me to get an RX7, then come bakck and ask for a quote!! use confused.com

[William]

www.skyinsurance.co.uk

can't recommend them enough

spoke to a bloke called luke... he wouldnt even quote me!!! told me to get an RX7, then come bakck and ask for a quote!! use confused.com

haha that's hilarious! i phoned them, spoke to Luke and was told EXACTLY the same - we cant quote you but next year, jack in the beemer that you clearly love and 'upgrade' to a japanese piece of shit becuase that's what we specialise in, and I'll give you a quote!

nice enough bloke, but a bit of a knob really

[d6dph]

Try speaking to Jay. and put in a compaint about Luke while your there!

[E30BeemerLad]

yeah, can't believe that

I have spoken to these boys both from a point of view of being quoted on my jap barge, but also from a business perspective of dealing with their accident claims at work. When I asked them about their main line of business and suggested it was mainly jap import stuff they were quick to play this down.

Well if they are gonna be like that then stuff 'em, I won't recommend them any more for non-jap stuff.

I dealt with Jay and he was very knowledgeable and professional

[d6dph]

Lee, Jay was amazingly helpfull with my quote and afterwards with the purchase of the policy. Seemed to know about the car etc, no awkward pauses after telling him the spec.

Really am impressed with them.

[78dude]

Insurance is very expencive and I dont know why to be honest? When you need to pay 200% more for your policy then the price of the car then there is something wrong....
£5000 for a car policy is to much!
Next time you call your insurance company there you get a f...cking hi price. Ask them to get a qote for a Boeing 737-500.... People carrier with twin Turbofan engine.... Topp-speed around 540 mph
"No sir its not parked in my drive way but at the airport"

[blingsta]

never had any grief from adrian flux... even covers my hard top..(well when i had 1)

[E30BeemerLad]

Insurance is very expencive and I dont know why to be honest? When you need to pay 200% more for your policy then the price of the car then there is something wrong....
£5000 for a car policy is to much!
Next time you call your insurance company there you get a f...cking hi price. Ask them to get a qote for a Boeing 737-500.... People carrier with twin Turbofan engine.... Topp-speed around 540 mph
"No sir its not parked in my drive way but at the airport"

you have to look beyond the value of the car you are insuring. Yes insurance is bloody expensive for new/ young drivers. But it boils down to much more than the car and the cost of sorting that out.

During your first year of motoring you are statistically most likely to have an accident. But it is the cost of damage you do to other people's property such as another car, or buildings or highway furniture. Plus the insurers have data which suggests you will probably have a car full of mates which you will injure when you visit the wall backwards in your RWD BMW.

Currently no UK motor insurers are making a profit out of their motor policies in isolation. Most have an operating ratio of between 102% - 110%, meaning that every penny they collect in premiums is paid out and then some more in claims.

Currently rates are relatively low as insurers compete on price with each other, so rate increases are on the cards, NU already is putting up it's rates.

It's a continual boom/bust scenario, they all drop their rates to obtain customers because their competitors are, then they write a whole book of smelly crappy business and piss & moan 12 months down the line when all of those iffy customers they attracted have had accidents and the cost of claims outstips the premiums they collected.

It is estimated that it will be 2010 before a UK motor insurer makes a profit. Boo hoo we all say.

Most expensive UK motor claim, Selby rail crash £50Million reserve on that claim. If you think they probably charged the bloke with the landrover about £200 for premium.........