121 replies to this topic

[Lou_m]

Quite common if you are after an agreed value. Had to do similar with my old MG B GT rally/race car.

[Darcini]

I do understand the need for photos and independant valuation but I thought MOT's were all electronically checkable nowadays? 

[VXT Tim]

I'll be in touch shortly, I've had enough with Admiral.

[Graeme Lambert]

I ended up with CCi again in the end.

 

One Answer couldn't provide me with laid up cover, which saves me a fair chunk with CCI and is currently handy since the car will spend the next few months in bits.

 

But the biggest problem was when discussing the future spec of the car, they wanted to insure it for this from the off, not from when the modifications were made. Obviously some of these are still a bit fluid and subject to change, and it seemed stupid to be paying a higher premium for something the car might finally resemble in 3-6 months down the line.

 

It's worth mentioning as well that the person I spoke to seemed to think the main reason for my premium (around £200 more than what CCI expected it to be after the mods) being so high was due to the power increase on my engine (145bhp to 280bhp) despite this being below what many stage 3 supercharged cars are currently achieving.

 

Shame as I'd heard lots of good things about One Answer. Who knows, maybe next year things will be different, and I'm happy to say that while One Answer didn't get my business they were polite and easy to deal with in getting the quote.

 

G

[Bumblebee]

How does your quote compare to the tubby g?

[Graeme Lambert]

How does your quote compare to the tubby g?

 

I actually received a renewal for the Tubby just before the SC arrived, and though this has jumped by £100+ over last year, it turned out it was the same for the SC - except since my SC currently hadn't been finally mapped (was running on CS basemap) I don't believe it'll be making the standard 250bhp of a stage 2 so it fell into a lower banding and the price dropped. When it's running 280bhp it'll jump into the next banding but CCI seem to base their premiums pretty much purely on power banding so relatively like for like in terms of Turbo Vs SC.

[Bumblebee]

Good result

[Lou_m]

So I did get a policy with track day cover. So signed up to do a morning session at Knockhill and phoned the insurance company to arrange cover. Apparently Knockhill isn't on their approved list of tracks therefore it's a £2500 excess! Can't see why it should be so high. Never had any problems with CCI covering Knockhill. Might not be suce a great policy for those who live in Scotland and who mainly track at Knockhill.

[G-Bob]

Pardon? Knockhill not on an approved track list?

[VXT Tim]

Someone should tell the BTCC.

[jameso]

excess is huge on track days anyway - think mine was 10% or so with CCI?

[P11 COV]

excess is huge on track days anyway - think mine was 10% or so with CCI?

 

I think Richard said it was fixed at £1000 with this company.

[Lou_m]

excess is huge on track days anyway - think mine was 10% or so with CCI?

  I think Richard said it was fixed at £1000 with this company.

£1000 + your standard road excess.

[LY_Scott]

Pardon? Knockhill not on an approved track list?

Probably looking under "N" for it...

[P11 COV]

 

 

excess is huge on track days anyway - think mine was 10% or so with CCI?

  I think Richard said it was fixed at £1000 with this company.

£1000 + your standard road excess.

 

which in most cases would be more than 10% of the value of the car.....apart from those who think their cars are worth £24K

[Goosenka]

The biggest downfall of where I am in London is not having a locked garage. I park my car under my house in a car port and not one insurance company will touch me out of those that provide track insurance which is a real pain. Going to look into a retro find lockeable roller shutter.

Edited by Goosenka, 15 March 2014 - 09:03 AM.

[peteslag]

Just put a sign up next to your car saying "it isn't a lotus, it's just a vauxhall". No thief in his right mind would touch it then.

[myles]

I've just asked for a quote from One Answer, lets see how we go. I did try Henderson Taylor but they don't cover the amount of mileage I do (10k per annum, daily driver).

[Wolfstone]

Tried 1Answer today.  

 

Coming out at £371 including trackday cover (which I don't need or really want) but they don't recognise NCB and so if you've got full NCB it will expire in a couple of year's time if you were to stay with 1Answer.  This is a deal breaker for me.  I want and need the flexibility to be able to move insurers and take NCB with me.  

 

In any case, £371 is a long way north of what I want and expect to be paying.  It's also £100 more than I paid last year and that included full European breakdown cover.

[PaulCP]

 but they don't recognise NCB and so if you've got full NCB it will expire in a couple of year's time if you were to stay with 1Answer.  This is a deal breaker for me.  I want and need the flexibility to be able to move insurers and take NCB with me.  

 

 

 

That was my downfall when moving to Heritage on a classic policy and then a laid up policy for 3 years. It was only after i wanted to insure for the road again that i realised the classic policy didn't retain the NCB.

 

Still trying to catch up on the lost NCB.