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Discussion Starter #1
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,
BMC CDA,
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?
 

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Have you tried Chris Knott & A-Plan?
Best quotes i could get on my 2.5 156, suspension mods.

Been with Classicline for years with GTA with mods covered, 5000 miles max, agreed value.
Specialist Car insurance similar to a Classic Car policy.
Good Luck :)
 
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Discussion Starter #3
Decision made. After a long time calling every firm in the world, Internet searches etc.

The best overall package is Adrian Flux.

Base details, I'm 35, I have 0 points, no accidents since 2008, 6 years NCB on an 03 156 GTA SW. Mods to brakes, air intake, tinted windows etc. all declared.

I have a fully comp policy with a £300 total excess on claims, £90 on windscreen replacement and free windscreen repairs. I also added protection to NCB. And it includes 3rd party on orher cars I don't own.Total cost was £330 on a 7000 mile a year limited policy.
I added full Flux breakdown at £54 and key lose and theft insurance at £15. Total all in £399.

Admiral came in closest, at £339 for the same cover, but no protected NCB. AA cover to same level is £140 and key cover from another source is £29.99.

All in, good prices.


Only gripes, their call centre for existing customers is only 9-5.30 weekdays. I work these times, it has taken 3 weeks to get a free half hour without interruptions to talk to them.

I have not had to use them this year so can't talk about quality of service if needed yet.

Overall, my policy is £45 cheaper than last year. Added year NCB will help, but at a time when policy prices are sky rocketing, it made a nice change.
 

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Decision made. After a long time calling every firm in the world, Internet searches etc.

The best overall package is Adrian Flux.

Base details, I'm 35, I have 0 points, no accidents since 2008, 6 years NCB on an 03 156 GTA SW. Mods to brakes, air intake, tinted windows etc. all declared.

I have a fully comp policy with a £300 total excess on claims, £90 on windscreen replacement and free windscreen repairs. I also added protection to NCB. And it includes 3rd party on orher cars I don't own.Total cost was £330 on a 7000 mile a year limited policy.
I added full Flux breakdown at £54 and key lose and theft insurance at £15. Total all in £399.

Admiral came in closest, at £339 for the same cover, but no protected NCB. AA cover to same level is £140 and key cover from another source is £29.99.

All in, good prices.


Only gripes, their call centre for existing customers is only 9-5.30 weekdays. I work these times, it has taken 3 weeks to get a free half hour without interruptions to talk to them.

I have not had to use them this year so can't talk about quality of service if needed yet.

Overall, my policy is £45 cheaper than last year. Added year NCB will help, but at a time when policy prices are sky rocketing, it made a nice change.
Hi,
Glad we could assist this year. If you ever have any questions etc please feel free to drop me a line.
Regards,
Dan.
 
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