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Discussion Starter #1
I am currently trying to sort out insurance, online, for both the Giulietta and the Saxo. Both are due on the 1st April as they were at one time on a multicar policy. Having tried the Post Office and gone through the process twice with zero voluntary excess on each the prices seemed reasonable at £322 for the Giulietta and £180 for the Saxo but the excesses are £100 for the Giulietta and £150 for the Saxo.

The Giulietta (June 2011 and 12k miles pa) is probably worth about £6500 while the Saxo (Sep 2000 and 3k miles pa) is worth peanuts, any accident and it would probably be written off as cost of repairs exceed the value. So why do they want a larger excess for the Saxo? :confused: Is the start date of 1st April making an April Fool of me or them?

To confuse me more Nationwide want £50 excess on the Giulietta and £0 on the Saxo which to me makes more sense while Aviva is £150 on both but the premiums are lower.

Time to try Chris Knott methinks.
 

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I reckon the large excess on the Sexo is so they can write it off straight out if you so much as scrape a door trim :(
 

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Discussion Starter #3
I reckon the large excess on the Sexo is so they can write it off straight out if you so much as scrape a door trim :(
Agreed and without it costing them a penny
 

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2017 Guila 2.0 Tbi Lusso spec, 1972 S2 Spider Junior, wife drives 939 Spider, + Abarth 595
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I'm just reinsuring our two cars and premiums have gone up 20% this year. Its down to higher base premium and tax apparently.
 

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I'm more and more convinced that insurance companies just make things up as they go along.

I'm presently going through the renewal process for the Evora. It's insured with a 'Lotus specialist' so you'd think they'd at least be a bit sympathetic, but no. They've reduced the mileage allowance from 10k miles to 4.5k, they will no longer allow me to take it to work (even although I'm on nights so it would be safer sitting in a secure car park with cameras etc than in my driveway), they want me to remove the £2k custom exhaust and put the OE one back on, the premium has gone up from £438 to £764, and best of all the compulsory excess is no longer £400 but now they want £3k!!!!! :furious: .

Needless to say, I'll be doing quite a bit of shopping around in the coming days.
 

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Discussion Starter #9
I'm more and more convinced that insurance companies just make things up as they go along.

I'm presently going through the renewal process for the Evora. It's insured with a 'Lotus specialist' so you'd think they'd at least be a bit sympathetic, but no. They've reduced the mileage allowance from 10k miles to 4.5k, they will no longer allow me to take it to work (even although I'm on nights so it would be safer sitting in a secure car park with cameras etc than in my driveway), they want me to remove the £2k custom exhaust and put the OE one back on, the premium has gone up from £438 to £764, and best of all the compulsory excess is no longer £400 but now they want £3k!!!!! :furious: .

Needless to say, I'll be doing quite a bit of shopping around in the coming days.
They clearly don't want your business. Those are ridiculous demands.
 

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I'm more and more convinced that insurance companies just make things up as they go along.

I'm presently going through the renewal process for the Evora. It's insured with a 'Lotus specialist' so you'd think they'd at least be a bit sympathetic, but no. They've reduced the mileage allowance from 10k miles to 4.5k, they will no longer allow me to take it to work (even although I'm on nights so it would be safer sitting in a secure car park with cameras etc than in my driveway), they want me to remove the £2k custom exhaust and put the OE one back on, the premium has gone up from £438 to £764, and best of all the compulsory excess is no longer £400 but now they want £3k!!!!! :furious: .

Needless to say, I'll be doing quite a bit of shopping around in the coming days.
WTF?! Have you been recording Michael Bay films with your cars?! :wall:

The insurer tried to arbitrarily increase my partner's insurance on the GQV with a £500 excess because she is a "young driver". She, in more polite words, told them where to shove it. We found it a disgrace that they put up the excess so much despite 6 years no claims and having the IAM qualification. This was also under the IAM specialist insurance scheme.
 

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We found it a disgrace that they put up the excess so much despite 6 years no claims and having the IAM qualification. This was also under the IAM specialist insurance scheme.
This seems to be Surety's (the IAM scheme) standard practice. Give them a quote from someone else and they'll match it. There have been some threads on the IAM forum complaining about it.

Personally, I don't like that style of business so I've gone elsewhere
 

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I can't stand these outfits that boast they will match any price - just give me your best price to start with, not try to piggyback in on someone else.

Just rechecked Mrs P's insurance. She had a new Panda as a retirement treat - quote from Saga £93 with £400 excess.
 

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I've had a further 'discussion' with my insurer on this. Although they didn't put it quite so bluntly, it would appear that now I've turned 60 I'm regarded as a high-risk old duffer, who should be utilising his free bus pass rather than driving a powerful sports car :furious: .

40-odd years of driving experience, professional driver (Class 1 HGV), 20+ years provable NCB, no points on the licence, and living in a relatively safe postcode area but it seems that I'm regarded as a bigger threat than your average boy-racer in his chavved-up Saxo.

There's a guy on one of the Lotus forums I frequent who's 25, lives in South East London, and has just bought an Evora to replace the Exige that he wrote-off on some black ice and he's been quoted a lower premium (and excess) by the same insurer I'm with, :censored: :censored: :censored: .

I've started trawling around for other quotes. I was recommended a broker by the name of Grove and Dean as being one who were very good at placing modified high performance cars. I didn't really register all the details of the cover they could provide as I was still trying to recover from their premium quote of £3234.27, and now they keep phoning me asking if I'm interested in proceeding, :irked: .


WTF?! Have you been recording Michael Bay films with your cars?! :wall:
Damn, maybe you've a point there that I haven't considered and they've hacked into the Photobucket album of my last track day, :biglaugh: .
 

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Mine have all gone up I think. Not sure how much or what percentage though.
David, the IAM (Cornmarket) have been by and far the best quote I could get on the two Alfas.
 

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I've had a further 'discussion' with my insurer on this. Although they didn't put it quite so bluntly, it would appear that now I've turned 60 I'm regarded as a high-risk old duffer, who should be utilising his free bus pass rather than driving a powerful sports car :furious: .
Don't want to worry you, but milady turned 80 last year......(I used to be her toy boy ;) ).....her renewal for the 156 V6 went up to over £600 (about 20% increase) this year with LV. I shopped around, and couldn't get within £200 of that elsewhere.....the general line being that insurers aren't interested in taking on new business over (insert arbitrary age limit) :furious:
 

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Discussion Starter #19
I'm just reinsuring our two cars and premiums have gone up 20% this year. Its down to higher base premium and tax apparently.
Got the renewal for the Saxo on Saturday it has gone up from £174.00 to £179.21 so an increase of 3%. However the NCD has also gone up from 72% to 73% so the basic premium has, theoretically, gone up 6.8% but still not bad. Clearly they are interested in retaining the business.

Still got to see what the RAC want for the Giullietta. They always seem to leave the renewal notice to the last minute.
 
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