Prepare yourself... Insurance!

J

jimmybell

Veteran
 SW London
Yeah that time of year, worth starting a thread to get the latest in the world of performance car insurance. I've made this M-specific as i'm probably looking for insurers dealing with high performance / future classic status (not that non-M's arent stupidly fast too.. but the M badge is the "its the fast one" tick as far as insurers are concerned)

I'm with Elephant (admiral group etc) currently, as they have less prejudice against London postcodes, but i'd like to move to a more friendly faced insurer, with track cover / protected NCB etc. Renewal from them has come out £150 more than last year - with no change to my status, not sure why (and thats after i rang and demanded discount...).

I've got a few mods, listed in sig, plus 5yrs NCD, no convictions etc (SAC 2 years ago though..) - i've sent off an application to classicline, any others i should consider?

I noted Greenlight no longer cover BMW's... !
y-u-no-guy.jpg
 
Slightly off-topic; can't believe Greenlight don't insure BMWs anymore! I tried to get a quote from them a few months ago when I was looking at s2000s, z4s and E46 330cis, and they said they couldn't insure me without at least a years' experience in a similarly powered RWD car, so they must have changed their policy since!

It might be worth giving Sky Insurance a call. They were within £20 of the most competitive quote I had had for my Z4C 3.0si (I know it's not the M, but even so, they are a performance car insurance broker so should be worth the call). It's rare to get anything other than a call-centre zombie when getting insurance quotes, and the guy I spoke to was genuinely into his cars. That along with the competitiveness of the quote swung it for me.

Otherwise, it might be worth trying Adrian Flux or Chris Knott.

:)
 
I did my insurance last month, AA strangely beat Admiral on price. I left them after using either Admiral/Elephant after 5 years of them working out cheapest as every year until now, partly because there is the whole 'we-are-going-to-rape-your-wallet-if-you-don't-pay-attention-at-renewal' stupidity (sadly it's not just them but common all over the industry) partly because they couldn't get our change of address correct on their systems after 10+ times of telling them what it now is - sheer incompetence.
 
A Mannings.

Excellent level of service. Cost me £520 (£300 excess) with following:

Fully comprehensive cover
Protected NCB
All modifications declared
Unlimited trackday cover (ATDO, FAEO or recognised car club organised - including Nurburgring/Nordschleife)
Accident loss recovery and injury cover
24-hour breakdown/recovery
Legal cover
Excess recovery for non-fault claims
Personal Injury cover


Wouldn't touch Admiral group with a barge pole after personal experiences.
 
sixspeed said:
Wouldn't touch Admiral group with a barge pole after personal experiences.
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That is the problem, you never know what any of them are like until you need them. I think Disca had a positive experience with Admiral but I am sure there are plenty of negative ones as well.

Was your problem third party fault handling or yours?
 
i think, with the big insurers especially, you tend to get fusked by the small print more than anything, and they will never back down from it.
 
650 quid all in for my car with EVERY mod declared, 3year NCB for 28 year old. not bad imo.


compeition car insurance and I'm allowed unto 5 track days and can pay extra after that for more if need be.
 
£940 - Edinburgh (whole city is high risk post code)

All mods declared. One accident 3 years ago for £3.5k

Edit - 5 yrs NCB


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Adamski said:
£940 - Edinburgh (whole city is high risk post code)

All mods declared. One accident 3 years ago for £3.5k

Edit - 5 yrs NCB


Sent from my iPhone using Tapatalk
Click to expand...

More or less than your old zed?
 
jimmybell said:
Sorry to drag out a pretty dull topic.

Classicline wont insure me - must be the London postcode? :/ who knows.
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Seems strange... I'm looking to go with them for Inty, I'm just outside of London and they quoted me...
 
I'm 50+ and got insured with Esure for a grand total of £180 for the year with 13 years NBC, standard ///M car, living in Suffolk :thumbsup:
 
Beedub said:
650 quid all in for my car with EVERY mod declared, 3year NCB for 28 year old. not bad imo.


compeition car insurance and I'm allowed unto 5 track days and can pay extra after that for more if need be.
Click to expand...

Had no idea you were around my age Beedub, who are you with? That's an outstanding quote.
 
srhutch said:
Adamski said:
£940 - Edinburgh (whole city is high risk post code)

All mods declared. One accident 3 years ago for £3.5k

Edit - 5 yrs NCB


Sent from my iPhone using Tapatalk
Click to expand...

More or less than your old zed?
Click to expand...

About the same TBH, Adrian Flux were about the hike the premium, so I moved to Chris Knott. It's worked out nearly exactly the same as my 3.0i
 
Won't touch AF after they screwed me around on my Corrado and almost got me arrested for not having insurance. I did have a full year's insurance (paid fully 3 months previously on a debit card), but AF had only sent a (now expired) 1 month cover note and refused to confirm by fax to the Police that I was insured, and insisted I waited for the new documents they insisted they'd posted. When they finally arrived they showed a policy starting AFTER the date I'd asked for them, which the police wouldn't accept. Finally, after threatening to shoot the 'director' who'd given me all these false promises (in front of the desk officer at the police station), I got them to fax the policy docs, an explanation letter, and copy of my payment receipt to the police station and it was sorted. There were rumours at the time that they were doing something very dodgy to earn some extra income (won't say on here as I don't know if it's true - but my experience seems to back the allegations up) :thumbsdown:

I've tried most of the ones mentioned on here and always have difficulty finding one that will cover me for my car, with 25-30k miles, business class 1, track days, european cover, 10+ years NCB, parked on the road/drive in Liverpool (although not there for the majority of my time due to work), and with the little mods I've got/have planned.

Some wouldn't do the business cover & mods, others wouldn't cover mods at all (and then phoned back a month later to say they'd changed their minds), some wouldn't do track days (even with an extra daily premium & double excess), some wouldn't quote for my postcode at all.

I shop around every year as my renewal will normally increase by 30% (if it stays the same or decreases then I won't bother switching). Some years the renewal comes through with some errors (no mods listed, no business cover, etc.) and when I call to point out the mistake I am told they've changed their policy and can't quote on the same terms. So not really a renewal than is it - and just damn lucky that I check my documents every year :headbang:
 
Thanks for the heads up.

Waiting to hear back from Chris Knott and Manning UK, if they fail i may try adrian flux :-/

It does seem there really arent many options outside admiral group :( sad times!
 
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