Insurance hike

KWIL · 27th June 2019, 15:03

Just renewed my Insurance, changed the "Facts" because my wife has died, the premium was then put UP £60.

Nick Greg · 27th June 2019, 15:10

That makes no sense whatsoever!

steve-45 · 27th June 2019, 16:18

Sometimes insurers make no sense !

CCFMJL · 27th June 2019, 16:23

Sometimes..... most times!

I would ask about that

shadysadie · 27th June 2019, 19:01

There is possibly a premium discount for two or more named drivers, a lot of insurers do this. If you have reverted to one driver only, the premium will rise accordingly but still well worth contacting the insurance company for a full explanation.

vacuman · 27th June 2019, 19:31

If it's not your only car you could get classic car insurance instead. Like many others on here I'm with Pete Best and get an owners club discount as well.

bilzin · 27th June 2019, 19:42

Quote:

Originally Posted by KWIL

Just renewed my Insurance, changed the "Facts" because my wife has died, the premium was then put UP £60.

You should have informed them that you had very recently converted to Islam and now had 4 wives....God (sorry Allah) only knows what the hike would have been then...although you might have been able to claim racial or religious discrimination as many 'enrichers' do I'm told' ?

KWIL · 27th June 2019, 19:53

Thanks everyone, I did query it with them, its seems they think the post event stress affects your driving. It was a single driver policy before.

Yes if I bought a second vehicle as an every day car, I could get a classic policy, but I do not need a second car as I do not drive every day, sometimes only twice in seven days. They assume that because you have a classic car, it has to spend its time in the garage, because most people have a job to go to each day and hence the every day car requirement.

However no requirement to use the second car, now that could stand on the drive going nowhere, but at some cost!

bilzin · 27th June 2019, 20:28

Quote:

Originally Posted by KWIL

Thanks everyone, I did query it with them, its seems they think the post event stress affects your driving. It was a single driver policy before.

Yes if I bought a second vehicle as an every day car, I could get a classic policy, but I do not need a second car as I do not drive every day, sometimes only twice in seven days. They assume that because you have a classic car, it has to spend its time in the garage, because most people have a job to go to each day and hence the every day car requirement.

However no requirement to use the second car, now that could stand on the drive going nowhere, but at some cost!

does Catch 22 apply somewhere here ?

RobSun · 28th June 2019, 09:29

Quote:

Originally Posted by vacuman

If it's not your only car you could get classic car insurance instead. Like many others on here I'm with Pete Best and get an owners club discount as well.

My experiences, including Peter Best, are that the insurers will not cover a Rover 75 on a classic policy until it is 20 yrs + old. However they will cover an MG ZT or T-T. Had this from numerous classic insurers and brokers, in fact all I contacted, including the company that covers my Dolomite. The reasons given, an MG is generally owned by an enthusiast but a 75 is an old banger with drivers looking for cheap insurance, so the 20 year rule is applied. Stupid and unfair for 75 enthusiasts but there we go.

27th June 2019, 15:03	#1
KWIL Precise Rover 75 Tourer 2.5KV6 Connoisseur SE Join Date: Mar 2013 Location: Fleet Posts: 2,952 Thanks: 630 Thanked 617 Times in 480 Posts	Insurance hike Just renewed my Insurance, changed the "Facts" because my wife has died, the premium was then put UP £60.

27th June 2019, 19:31	#6
vacuman Gets stuck in MG ZT-T Join Date: Feb 2017 Location: St Albans Posts: 855 Thanks: 69 Thanked 236 Times in 172 Posts	If it's not your only car you could get classic car insurance instead. Like many others on here I'm with Pete Best and get an owners club discount as well. __________________ • This vehicle was the 8,186th ZT-T to run off the production line, out of 8,249 • This vehicle was the 1,723rd ZT-T 190 + to be made out of 1,756 • This vehicle was the 149th ZT-T in Mica Blue (Ignition) (code: JGY) to be made out of 160 Mica Blue (Ignition) ZT-Ts

27th June 2019, 15:10	#2
Nick Greg Posted a thing or two Honda Insight Hybrid Join Date: May 2015 Location: Brighouse Posts: 1,157 Thanks: 691 Thanked 424 Times in 280 Posts	That makes no sense whatsoever!

27th June 2019, 16:18	#3
steve-45 This is my second home Rover 75 Saloon CDTi Join Date: Oct 2015 Location: Belvedere Posts: 4,076 Thanks: 108 Thanked 1,089 Times in 774 Posts	Sometimes insurers make no sense !

27th June 2019, 16:23	#4
CCFMJL Regular poster MGF Join Date: May 2019 Location: Glasgow Posts: 63 Thanks: 0 Thanked 25 Times in 4 Posts	Sometimes..... most times! I would ask about that

27th June 2019, 19:01	#5
shadysadie Loves to post BRG Connie Auto KV6, Dorchester red Jap. spec. Auto KV6 and 1967 Volvo 122S "Amazon" Join Date: May 2014 Location: Norwich Posts: 310 Thanks: 234 Thanked 90 Times in 60 Posts	There is possibly a premium discount for two or more named drivers, a lot of insurers do this. If you have reverted to one driver only, the premium will rise accordingly but still well worth contacting the insurance company for a full explanation.

27th June 2019, 19:53	#8
KWIL Precise Rover 75 Tourer 2.5KV6 Connoisseur SE Join Date: Mar 2013 Location: Fleet Posts: 2,952 Thanks: 630 Thanked 617 Times in 480 Posts	Thanks everyone, I did query it with them, its seems they think the post event stress affects your driving. It was a single driver policy before. Yes if I bought a second vehicle as an every day car, I could get a classic policy, but I do not need a second car as I do not drive every day, sometimes only twice in seven days. They assume that because you have a classic car, it has to spend its time in the garage, because most people have a job to go to each day and hence the every day car requirement. However no requirement to use the second car, now that could stand on the drive going nowhere, but at some cost!