Who to choose?
Insurance time again.
On my car I have the usual cluster of similar competitive quotes followed by the stupid ones too.
Anyways, I have to make some choices. All are on 35 year old with 6 years NCB, 5000 miles a year, modified 156 GTA SW.
Option One one. Adrian Flux £340 - Fully Comp.
Pros - Decent price, plus includes cover to drive other cars which comes in handy every now and again, and like for like cover on mods.
Cons - Reputation for appalling customer care, especially if policy is cancelled mid term. Underwritten by Equity Red Star, a company I have never heard of. £300 total excess.
Option Two - Admiral £339 - Fully comp.
Pros - Known, large company with good reputation on claims speed and handling efficiency, good price.
Cons - No cover for other cars, Only max of £500 to cover mods or 10% of car market value which ever is less. Absolutely no extras - No legal, no anything. £350 excess.
Option Three - Diamond - £340 - Fully Comp.
Pros - Known firm, part of larger Admiral group. Solid reputation. Handbag/manbag cover
Cons - As Admiral. Bargain basics policy. £350 Excess.
So, my choice is pretty much on features.
My car has the following declared modifications:
Tints all round,
Big brake upgrade and braided lines,
Kni FSDs, Eibach Pro Kit springs.
My claims history had a blip in 2008 with 4 claims in 4 months. 2 being fault claims - 1 storm, damage, 1 actual accident.
I can't be having with calling loads of companies directly, it just gnaws away at my soul.
So, thoughts all?
If it were you, what would you do?