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Oct 24, 2013 15:49:21 GMT
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I would say go specialist but they are all money grabbing, buck passing, thieves. Remember they make money by not paying out, so they will do everything in their power to avoid this. It's always going to be grief claiming, but if you know you got away with paying less to begin with it might make the pill easier to swallow.
Will add though that was once insured with the NFU, and because I could actually go into a local building and talk to a real person it was great, I had a which stolen from my land rover and they had a brand new one sent to my door within ten days and from me making only one visit to my local branch. Just a shame they don't do regular cars.
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Toyota mk3 supra. retro goodness.
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I'm pretty sure NFU do 'regular cars'. My parents were with them, initially because they had a land rover but they insured their other cars with them too. They're a bit more expensive but always come top in satisfaction surveys.
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I've got Rovers.
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ChasR
RR Helper
motivation
Posts: 10,309
Club RR Member Number: 170
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Oct 26, 2013 10:28:07 GMT
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Even the larger companies can be a total swine to deal with (Swinton has been far worse than eCar or Elephant IMO). I was somehow uninsured for a year because they got a no. wrong on the registration (So AA05 XXX was AAO5 XXX (the zero they put down as a letter...) according to the registration documents). With claims despite the other party admitting full liability they still tried to charge me far more and remove my NDB (despite having protected NCB etc.). Never again.
One tip I can give you is to NOT go through the comparison sites. IME you are better off going through the sites of the insurers themselves (Direct Line in the past have been fine for me to deal with).
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Oct 26, 2013 13:40:57 GMT
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Even the larger companies can be a total swine to deal with (Swinton has been far worse than eCar or Elephant IMO). I was somehow uninsured for a year because they got a no. wrong on the registration (So AA05 XXX was AAO5 XXX (the zero they put down as a letter...) according to the registration documents). With claims despite the other party admitting full liability they still tried to charge me far more and remove my NDB (despite having protected NCB etc.). Never again. One tip I can give you is to NOT go through the comparison sites. IME you are better off going through the sites of the insurers themselves (Direct Line in the past have been fine for me to deal with). I don't think i have the patience to try the individual sites, direct line were always good to deal with but in recent years their quates have been ridiculous so i just avoid them, i wish they were affordable but they are no longer competative for me. its sad to say but I'm still thinking of going for ecar just to be legal and hope for the best. |
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Oct 26, 2013 21:18:32 GMT
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I'm pretty sure NFU do 'regular cars'. My parents were with them, initially because they had a land rover but they insured their other cars with them too. They're a bit more expensive but always come top in satisfaction surveys. I had my XR3i insured with them many moons ago, it was a pleasure to go into their office and speak to someone, they also didn't worry about the modifications to the Rangie when I had that insured. |
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Oct 28, 2013 11:37:03 GMT
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i got a nice letter from Octagon Insurance, my policy has ended and they said they cannot offer a competative quote so they are not offering to renew my policy, funny how they are 3rd cheapest on the list. They sent through my no claims bonus and have not added my last year onto it, effin idiots, more phone calls to make.
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Oct 30, 2013 21:00:44 GMT
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update, i took out my insurance with ecar, i got it a little cheaper through go compare, it still has windscreen cover, legal protection, courtesey car included so its not total mince, fingers crossed i don't have to use them though.
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TS
Part of things
Posts: 558
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Dec 19, 2013 15:03:41 GMT
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Amazing. I've no idea how they manage it but eCar just came out more than 5 times more expensive than the cheapest quote I found via normal comparison sites.
ANNUAL TOTAL
£2613.66
No different details.
So I've been hunting round online and the cheapest I can get is just shy of £500 for a 03 Vectra Diesel 2 litre. I'm 34 with 1 years no claims and 1 claim in the past year (ie someone crashed into the back of me and I claimed on their insurance - I believe I have to tell them about this even though it cost my insurance zero pounds, right?). I do about 7,000 miles a year socail and commuting (I drive about 1-2 days per week, otherwise on the train). Live in SW London (which seems to push it up a bit) and work in Surrey.
Does this sound ok? Anyone else I should try? I've mostly just tried the big comparison sites listed on MoneySavingExpert plus DirectLine etc...
Last year I was with Elephant and it was about £1100-1200 (I changed cars midway through the year so it changed) and now its gone up for some reason, like I said I never claimed on my insurance and so have 1 years no claims.
Also is it worth protecting my NCB? I'm guessing it is. does it make it much more expensive?
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MK2VR6
Posted a lot
Mk2 Golf GTi 90 Spec
Posts: 3,329
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Dec 19, 2013 15:11:40 GMT
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Just don't. Cheap isn't necessarily any good.
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groovy
Part of things
Posts: 90 
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Dec 19, 2013 17:42:53 GMT
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I always go for the cheapest. Mostly because my cars are pretty much disposable, and if the worst happened, the increase in premiums over the next 5 years would more than cover the cost of the car if I claimed. So, cheapest insurance, and never claim for your own vehicle. Win/win  |
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Llewelyn_
Posted a lot
Hi everyone :)
Posts: 1,977
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Dec 19, 2013 17:56:03 GMT
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Absolute cheapest as possible just to be legal and hoping for the best has served me well over my 12 or so years of driving (fingers and toes crossed)!!!
Classic car insurance is the way forward IMO
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"Back off man, I'm a Scientist" - Dr. Peter Venkman
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Dec 19, 2013 21:01:43 GMT
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I don't have much choice as there are only three companies that would cover me this renewal but it had actually gone down by £50.
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TS
Part of things
Posts: 558
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Just don't. Cheap isn't necessarily any good. Don't... go for the cheapest? Any recommendations of who to chose then? Also why? Any arguments or evidence to back it up? Cheers. |
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MK2VR6
Posted a lot
Mk2 Golf GTi 90 Spec
Posts: 3,329
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Dec 20, 2013 14:54:34 GMT
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Just don't. Cheap isn't necessarily any good. Don't... go for the cheapest? Any recommendations of who to chose then? Also why? Any arguments or evidence to back it up? Cheers. 20 years of driving and the cheapest policies are usually more hassle than they're worth if you want to make a claim. I've found going for the slightly more expensive one gives you a better policy with a better provider and you're more likely to come out of it smelling of flowers if you need to make a claim. Much like most things in life - if you go for the cheapest available, don't expect it to be as good as the pricier, better quality products. |
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Dec 23, 2013 11:58:00 GMT
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I had typed a maaaasssive post about my recent experience based on two W124s where one is insured with Peter James and one with 1st Central but I'll spare you all the boring bits...
No great surprise that the Peter James experience has been better (and cheaper) than the 1st Central experience and I'd be more confident with the outcome if I had to make a claim on the Peter James policy than the 1st Central one. For a start, 1st Central aren't brilliant at answering the phone...
Seems worth mentioning though that my 300e is only with 1st Central because Peter James said they couldn't offer business use at the time, though they did a few months later when I phoned about the 320te. I'd have paid more to stay with Peter James, the option simply wasn't available.
Sometimes you simply can't get the cover you need from the so-called better insurer.
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Dec 29, 2013 16:59:50 GMT
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I'm pretty sure NFU do 'regular cars'. My parents were with them, initially because they had a land rover but they insured their other cars with them too. They're a bit more expensive but always come top in satisfaction surveys. The NFU will insure anyone, not just farmers, the different branch offices are all individual businesses that act as brokers for the NFU Mutual, how good they are depends on how good the people running your local branch happen to be. I'm still with them for some stuff but we've swapped some of the vehicles because they were uncompetitive, and when we had a claim after two of the land rovers were stolen a few years back, though they did pay out we had to argue the toss with them over the valuations, it also turned out that we didn't have cover for several thousand pounds worth of tools that were in the vehicles. One of things with the NFU is that though they aren't the cheapest they were supposed to be good at paying out, and they were also supposed to be providing a service tailored to your specific needs, it turned out that were were insured for some stuff that wasn't relevant but not insured for things we actually needed, but that was down to failings with the individual branch rather than the NFU per se. If you do go with the NFU, get regular comparison quotes on renewal as they have a habit of pushing the price up for regular customers and then dropping it if challenged. The one company i wouldn't recommend is Towergate AIUI, they're one of the biggest underwriters in the UK and are also the meanest. They are notorious for making very low valuations when paying out. You don't want any insurance that's underwritten by them no matter how cheap it is. |
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