Jump to content
infernouk

Insurance time of year! suggestions?

Recommended Posts

hey all

i am about to do my annual renewal and its the first full year of the 86 so quotes are higher than ive dealt with in recent years and wanted to see how you guys handle it...

Im looking at £700 with admiral (£500 excess, comp) who ive been with since i started driving, they usually get decently low and are reputable so i feel safer having them if i had an accident than some of the cheaper insurers (esure will insure me for £550 but have appalling reviews online)

Do you guys have any recommendations? and are the brokers / independents actually cheaper / worth the hassle? as my parents told me not to bother due to them receiving massive quotes on their 370z's when trying that route. 

I have exhaust and valenti mods if relevant, no accidents or points, over 25, 7+ NCB, social only, less than 5k miles PA

 

 

Share this post


Link to post
Share on other sites

If you've modified then you can probably get cheaper quotes from some of the specialist insurers such as Adrian Flux, Greenlight, Chris Knott etc. These also come with extra perks such as non-power mods being included free depending on policy, cheap track day cover, like for like parts cover etc.

I'm with Adrian Flux now and have found them amazing so far. Even covered my TD NA remap free of charge.

Used to be with Admiral too but they were absolutely abysmal when it came to make a claim. Had a crash 4 cash style incident and they refused to even look at my dashcam footage proving that I was not at fault. (I even had to pay extra on my policy to declare the camera!) Ended up having to go through the insurance ombudsman to sort everything out. They even tried to keep me from moving and tried to make me accept a £1000 increase by saying they might be able to recover it and refund me after renewal but wouldn't be able to if I moved! I'd avoid them with a barge pole if I was you!

Share this post


Link to post
Share on other sites
1 minute ago, HariboPenguin said:

If you've modified then you can probably get cheaper quotes from some of the specialist insurers such as Adrian Flux, Greenlight, Chris Knott etc. These also come with extra perks such as non-power mods being included free depending on policy, cheap track day cover, like for like parts cover etc.

I'm with Adrian Flux now and have found them amazing so far. Even covered my TD NA remap free of charge.

Used to be with Admiral too but they were absolutely abysmal when it came to make a claim. Had a crash 4 cash style incident and they refused to even look at my dashcam footage proving that I was not at fault. (I even had to pay extra on my policy to declare the camera!) Ended up having to go through the insurance ombudsman to sort everything out. They even tried to keep me from moving and tried to make me accept a £1000 increase by saying they might be able to recover it and refund me after renewal but wouldn't be able to if I moved! I'd avoid them with a barge pole if I was you!

fair enough i did try and specialist once and it was much higher than mainstream, perhaps ill revisit and see if any can get close. 

Having just run a go compare search, i can get esure, sheilas wheels or A Plan for £550, but im pretty sure none of these are reputable, it just concerns me as id rather pay more for less stress in case of incident, but as youve just confirmed, even the big names are really a smooth ride 

Share this post


Link to post
Share on other sites
Just now, will300 said:

As @HariboPenguin says, try the brokers. It's a proper pain to ring round and give them your details, but if they can save you £300 it's worth it no?

yeah this is my main barrier, im up at 7am and home at 7pm with little to no time for phone calls in those hours so its tricky to find a window for 3-4 long phone calls, but of course the saving is incentive to do so! perhaps ill just have to persevere and try them out if the brands the comparison sites are throwing up are known to be poor 

Share this post


Link to post
Share on other sites

Yeah as @will300 said some are open on Saturdays, plus some have online forms you can fill in beforehand and ask for a call back to save some time giving details over the phone. Definitely worth a ring around imo.

Also bear in mind if you plan on doing more modifications a mod friendly insurer may save you money in the long run even if the annual premium is more expensive. Each mod I added with admiral normally cost £50+ a time. Now it's just a 5 min phone call (with somebody who actually knows something about cars and modifying) and no charge. Even adding a supercharger taking the car to 300bhp would only cost me £180!

Having like for like cover is also something to bear in mind, even though regular insurers will add mods to your policy, it doesn't necessarily mean that they are actually covered. So if you spend £1000+ on a set of coilovers for example and have a crash they may not replace them like for like, just with OEM parts which obviously aren't worth as much.

 

Share this post


Link to post
Share on other sites

Hi,

Please feel free to give us a try for insurance if you like. If you wanted to PM me some contact details I'd be happy to arrange for one of my quotes team to give you a call back.

Regards,

Dan.

Share this post


Link to post
Share on other sites

I reckon Aviva or Adrian Flux is your best bet.

Oddly enough my my renewal this year was very similar to yours. Admiral renewal came in at £688 and the cheapest insurer from price comparison sites was £540 from Esure.

Having seen how much people were paying I still wasn't happy so tried the brokers. Yeah its a pain but definitely worth the effort, i ended up ringing back 3 or 3 times. In the end the best I got was £420 from both Aviva and Adrian Flux. Flux clinched it as their price included legal cover which Aviva didnt. 

Make sure you jot down your cheapest quotes and who they are with as the brokers need this info.

Im 28, 8 years NCB, clean license, mods declared.

Share this post


Link to post
Share on other sites

Well I tried Adrian flux, got someone Who blaster through a script and seemed very non concerned, put me on hold for 10 mins then said that the best they can get is 650 and I should go with esure... 

Share this post


Link to post
Share on other sites

I would really like to be able to use the brokers via email. Having long phone calls is awkward for me compared to just tapping my details into an email and having them come back with quotes. I'm not sure why this is so difficult to arrange.

Share this post


Link to post
Share on other sites
34 minutes ago, Rich said:

I would really like to be able to use the brokers via email. Having long phone calls is awkward for me compared to just tapping my details into an email and having them come back with quotes. I'm not sure why this is so difficult to arrange.

Because they can't try the hard sell on you then! :rolleyes:

Share this post


Link to post
Share on other sites

Same position as you, with Admiral currently and phoned as putting TD NA on the car shortly. They said they can insure the car but any non-Toyota parts aren't covered. So it raises the premium but they won't cover in case it's damaged. Doing the rounds on the brokers while I have some time on Saturdays. A pain but if the mainstream insurers won't cover the extras then pretty pointless and the slight extra from the brokers becomes worth it when they cover the £s you spend on extras.

Share this post


Link to post
Share on other sites
3 hours ago, Nosupersuit said:

Same position as you, with Admiral currently and phoned as putting TD NA on the car shortly. They said they can insure the car but any non-Toyota parts aren't covered. So it raises the premium but they won't cover in case it's damaged. Doing the rounds on the brokers while I have some time on Saturdays. A pain but if the mainstream insurers won't cover the extras then pretty pointless and the slight extra from the brokers becomes worth it when they cover the £s you spend on extras.

Sadly for me the difference is a little more than slight. It would probably buy all the parts on my car just from the increase.

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

×