UK insurance
Moderators: jifflemon, coyote1980, Rachel
- Ettore Bugatti
- 480 Is my middle name
- Posts: 1273
- Joined: Tue Mar 18, 2003 1:58 pm
- Location: not in a Volvo 480
UK insurance
Im sure it has been covered overhere, but since my Google-Fu is a bit low on the moment. I just asked it again.
What are good, reliable and affordable insurancers for a Volvo 480 in the UK?
Cheers,
Richard
What are good, reliable and affordable insurancers for a Volvo 480 in the UK?
Cheers,
Richard
Volvo 480 ES, chassis 283, dec 1999-aug 2005
Nissan Micra 1.0 Nismo, feb 2006-
Rover Mini 1000, june 2009-
Peugeot 106 1.4 Roland Garros, oct 2011-
Nissan Micra 1.0 Nismo, feb 2006-
Rover Mini 1000, june 2009-
Peugeot 106 1.4 Roland Garros, oct 2011-
-
- 480 Newbie
- Posts: 1
- Joined: Sat Jul 16, 2011 8:36 pm
Re: UK insurance
I have just logged on to ask the same question. Have a 93 L 2.0 with 9+ no claims and kwikfit want almost £400.......
Re: UK insurance
Other than the usual 'compare the comparison sites', don't forget:
a) Swift Cover. They only ask about claims in the past three years (it's usually five).
b) Brokers. Have a look on vpcuk.org - they have a deal with Chris Knott Insurance, who will usually match or beat comparison sites. There is a code to quote over the phone.
c) Classic insurance. If you don't do many miles, see if you can go with a classic specialist.
Finally, don't fret too much over fully comp. Currently the cars are going for well under a grand, so it's not worth (in my opinion) paying, say, £400 insurance with a £250 excess should the worst happen when the car is likely to be £500 at best.
Some employers will offer discounts to their employees that are sometimes worth exploring. Also you may find that if you have home insurance with some companies you'll get loyalty discounts with car insurance.
Unfortunately with insurance there isn't a "these are cheap" for every situation. All you can do is shop around!
a) Swift Cover. They only ask about claims in the past three years (it's usually five).
b) Brokers. Have a look on vpcuk.org - they have a deal with Chris Knott Insurance, who will usually match or beat comparison sites. There is a code to quote over the phone.
c) Classic insurance. If you don't do many miles, see if you can go with a classic specialist.
Finally, don't fret too much over fully comp. Currently the cars are going for well under a grand, so it's not worth (in my opinion) paying, say, £400 insurance with a £250 excess should the worst happen when the car is likely to be £500 at best.
Some employers will offer discounts to their employees that are sometimes worth exploring. Also you may find that if you have home insurance with some companies you'll get loyalty discounts with car insurance.
Unfortunately with insurance there isn't a "these are cheap" for every situation. All you can do is shop around!
- Captain Slow
- 480 Expert
- Posts: 686
- Joined: Wed Jun 06, 2007 9:13 pm
- Location: St Andrews
Re: UK insurance
I'm currently trying to sort out insurance. I hate these people.
Classic insurance is cheap, but it seems most have an age limit on the driver and the car. car 10-20 years old or more, and driver has to be 20-30 years or more, all depending on the individual insurer. Got all the way through a phone call to one last night only to be told that I was too young. That was about 15 minutes after telling the guy my date of birth and going through all the other details.
Also seems the comparison sites are not consistent and show some insurers compulsary age related excess, but not others
I would advise checking the difference in price between 3rd party fire theft and fully comp-I've found in the past that fully comp can be cheaper!
Classic insurance is cheap, but it seems most have an age limit on the driver and the car. car 10-20 years old or more, and driver has to be 20-30 years or more, all depending on the individual insurer. Got all the way through a phone call to one last night only to be told that I was too young. That was about 15 minutes after telling the guy my date of birth and going through all the other details.
Also seems the comparison sites are not consistent and show some insurers compulsary age related excess, but not others
I would advise checking the difference in price between 3rd party fire theft and fully comp-I've found in the past that fully comp can be cheaper!
Previously....
Whitney - 95 N White celebration No.449/480 now with Ladyforatey
Lula - 94 M Volvo 480GT Sold on...
Daphne - 95 M volvo 440si 1.8 73,000K (sold :()
Whitney - 95 N White celebration No.449/480 now with Ladyforatey
Lula - 94 M Volvo 480GT Sold on...
Daphne - 95 M volvo 440si 1.8 73,000K (sold :()
- glasgowjim
- 480 Is my middle name
- Posts: 4830
- Joined: Sun Oct 01, 2006 5:28 pm
- Location: GLASGOW SCOTLAND
Re: UK insurance
better one than that...
daughter aged 23 with 1 year NCB 2ltr 480 changes the car for an identical spec 480 went to get insurance transfered to "new" car and gets refused because company no longer insure anyone with less than 2 years NCB ! but as they have only adopted the policy since Jan then they would continue her old policy on her old car ?
The world is being taken over by silver tongue muppets.
I hate insurance companies (and banks and bankers )
daughter aged 23 with 1 year NCB 2ltr 480 changes the car for an identical spec 480 went to get insurance transfered to "new" car and gets refused because company no longer insure anyone with less than 2 years NCB ! but as they have only adopted the policy since Jan then they would continue her old policy on her old car ?
The world is being taken over by silver tongue muppets.
I hate insurance companies (and banks and bankers )
Re: UK insurance
Richard,
For me in central London, direct line insurance has come in at over £115 cheaper than the competion (for two years in a row).
I'm beginning to find a few insurers which refuse to supply quotes to insure the car because if it's age (when I'm searching for cheaper quotes)- which I find really rather annoying (a law abiding citizen cannot get car insurance for a 100% legal car, parked in a secure area, from an insurance company certified by the FSA- how can that hapen? Hugely expensive quotes I could understand, but a blanket refusal seems just wrong. Rant over (apologies)).
Cheers,
Richard M Wade Esq.
For me in central London, direct line insurance has come in at over £115 cheaper than the competion (for two years in a row).
I'm beginning to find a few insurers which refuse to supply quotes to insure the car because if it's age (when I'm searching for cheaper quotes)- which I find really rather annoying (a law abiding citizen cannot get car insurance for a 100% legal car, parked in a secure area, from an insurance company certified by the FSA- how can that hapen? Hugely expensive quotes I could understand, but a blanket refusal seems just wrong. Rant over (apologies)).
Cheers,
Richard M Wade Esq.
- Ettore Bugatti
- 480 Is my middle name
- Posts: 1273
- Joined: Tue Mar 18, 2003 1:58 pm
- Location: not in a Volvo 480
Re: UK insurance
Thanks!
There aren't many insurancers that offer affordable 3rd party insurance, if you know one let us know. What I have found were more expensive than fully comprehensive.
Any experience with Footman Jones and/ or Adrian Flux?
There aren't many insurancers that offer affordable 3rd party insurance, if you know one let us know. What I have found were more expensive than fully comprehensive.
Any experience with Footman Jones and/ or Adrian Flux?
Volvo 480 ES, chassis 283, dec 1999-aug 2005
Nissan Micra 1.0 Nismo, feb 2006-
Rover Mini 1000, june 2009-
Peugeot 106 1.4 Roland Garros, oct 2011-
Nissan Micra 1.0 Nismo, feb 2006-
Rover Mini 1000, june 2009-
Peugeot 106 1.4 Roland Garros, oct 2011-
Re: UK insurance
Insurance is a big rip off but you have to have it.
just a few pointers check that your car has an agreed value (in writing) not some book price your insurance company come's up which usually the scrap price a total written off 480 will probably get you a cheque for less than £400 from your insurance company which is nowhere near the price to replace one.
I had a similar situation many years ago with a mint condition BMW 525e they offered me £500 after a few weeks of wrestling with them I got £1500 (a bit of a difference) after I changed insurance companies!
I have been with the same company for 15 years they are a local office not some obscure call centre of jabbering asians, who dont know the difference between a bugatti and a rover (Top Gear reference)
this is not a racist comment just a fact.
just a few pointers check that your car has an agreed value (in writing) not some book price your insurance company come's up which usually the scrap price a total written off 480 will probably get you a cheque for less than £400 from your insurance company which is nowhere near the price to replace one.
I had a similar situation many years ago with a mint condition BMW 525e they offered me £500 after a few weeks of wrestling with them I got £1500 (a bit of a difference) after I changed insurance companies!
I have been with the same company for 15 years they are a local office not some obscure call centre of jabbering asians, who dont know the difference between a bugatti and a rover (Top Gear reference)
this is not a racist comment just a fact.
Re: UK insurance
HiEttore Bugatti wrote:Thanks!
There aren't many insurancers that offer affordable 3rd party insurance, if you know one let us know. What I have found were more expensive than fully comprehensive.
Any experience with Footman Jones and/ or Adrian Flux?
I used to be with Adrian Flux, but this years renewal was too expensive so I have moved. It crazy, I used to pay about £360 fully comp in my first turbo, now, and because I came off the road a few years back in the ice and lost most of my no claims I was quoted just over £500 I have now moved to Sheila's Wheels....£364 (or there about) fully comp in my '95 Turbo....obviously no help at all to all you guys, but I did find it through Confused.com which was helpful. In all fairness Adrian Flux did try to compete with this quote, but they got to £426, still too much for me. I was sad to leave as they had been great for many years.
'95 Storm Grey 323 Manual Turbo, Richmod
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'95 Flame Red Celeb, Nos.191, 2 litre, LPG, used to be Adams ;) SOLD
'95 Vase Green Turbo~ Vanessa~ 'Serendipity' manual, Richmod. RIP
'90 Light Blue 480 Turbo auto....RIP
'68 VW Type 3 1.6 auto Lotus White,Swedish import. SOLD
Audi 80 coupe Gold...pimp my ride! RIP
'76 Bug, Ocean Blue, lowered, Empi wheels.RIP
'72 Bay window VW Camper 1600 twinport. Sold
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'95 Flame Red Celeb, Nos.191, 2 litre, LPG, used to be Adams ;) SOLD
'95 Vase Green Turbo~ Vanessa~ 'Serendipity' manual, Richmod. RIP
'90 Light Blue 480 Turbo auto....RIP
'68 VW Type 3 1.6 auto Lotus White,Swedish import. SOLD
Audi 80 coupe Gold...pimp my ride! RIP
'76 Bug, Ocean Blue, lowered, Empi wheels.RIP
'72 Bay window VW Camper 1600 twinport. Sold