Insurance quotation: any suggestions please? - Page 2

matoakwell · 21st January 2024, 18:18

It doesn't matter who x, y or z are insured by or how much they pay unless your details match EXACTLY, which they don't. All you can do is shop around like everyone else.

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Raven Black · 21st January 2024, 19:30

Strange, been on all those sites, hastings didn't come up, but direct quotes from them over 600. Peter best came up with 1k a year, my MG is 110 a year. Put 4k max miles, 6 yrs no claims, car value 2k, why??? Classic line even worse at 1200 a year. I have never had accident. Also direct line, Churchill, aa, saga, the lot, phone and internet. It's bizarre.

daveo138 · 21st January 2024, 20:34

This all sounds a bit worrying.

I’ve been insured with Saga for the last two years. The first year I got the quote through Topcashback and it cost me about £160 before cashback, with no NCB due to having company car for years, two additional named drivers, fully comp and 2000 miles.

Last year it was slightly cheaper, but Topcashback quotes were more, even with cashback, so I renewed the policy.

It’s up for renewal in March and I’m dreading finding out what it’s going to cost, particularly as I will probably need to increase the mileage limit this year.

Kevin Williams · 22nd January 2024, 14:46

My 75 and Ford C Max insurance renewals recently both came through at double last year's quote.

My ZT is on a "modern Classic" policy with a different insurer and half the cost of the 75 quote. So I rang them to ask if they could do something similar for the 75. The instant answer was "no" even though it's basically the same car [both diesel with no mods] as they don't have a scheme for Rovers....

I did some ringing round to check and got better quotes and pitched them back to the current insurer and got a reduction to about 50% more in each case.

On querying why prices have risen, the answer seems to be a] increased repair costs post Covid b] increased car purchase prices even though if I made a claim for my car it would be written off!

By chance I happened to be next to a friend's second hand car site earlier today. I asked if he had problems getting stock in, and the answer was "yes, at an affordable price, both for me and for my customers". He's even got a board outside asking for cars for cash due to high auction prices/costs.....

torque2me · 22nd January 2024, 15:01

Quote:

Originally Posted by woolley11

It’s the same for my Dad

He’s had Rover75 diesel (since it was almost new) - he’s 85 now and his premium is around £375 living in a rural area in North Yorkshire with 3k miles.

My ZT V6 is £98 with 3k miles

Think it must be an age thing 🤷🏼NAUGHTY WORD-♂️

Is that provision from the same company?

Yes, they all load, at some age point, higher premium.

Kev

daveo138 · 22nd January 2024, 18:47

Quote:

Originally Posted by torque2me

Is that provision from the same company?

Yes, they all load, at some age point, higher premium.

Kev

It used to be the case that it was difficult to get anyone to quote once you reached a certain age. It may have been 75, but I can’t be certain. However, I believe that once you reached that age, your existing insurer was obliged to continue your cover, although they could effectively name their price, if you were unable to get cover elsewhere.

GeoffWW · 23rd January 2024, 18:38

Why can’t the forum approach insurers with the idea of the insurers offering cover for all 75 owners at a much discounted premium. Other car marque forums have done it, why not the 75?
Has any owner considered having just Third Party cover without all the other add-ons. Most of us have year upon year with the only activity being the payment of the premium each year. Easy money for them. If and when claims are made, straight away it’s a write off, with next to nothing back for the so-call comprehensive cover paid for.
Will there be any motor insurers at the Gaydon do in the spring? Perhaps one of the Forum admin staff make an approach to a few of the bigger, more reliable, insurers to see if they could offer concessionary premiums for Forum members, of any age?

suzublu · 23rd January 2024, 20:28

Quote:

Originally Posted by GeoffWW

Why can’t the forum approach insurers with the idea of the insurers offering cover for all 75 owners at a much discounted premium. Other car marque forums have done it, why not the 75?
Has any owner considered having just Third Party cover without all the other add-ons. Most of us have year upon year with the only activity being the payment of the premium each year. Easy money for them. If and when claims are made, straight away it’s a write off, with next to nothing back for the so-call comprehensive cover paid for.
Will there be any motor insurers at the Gaydon do in the spring? Perhaps one of the Forum admin staff make an approach to a few of the bigger, more reliable, insurers to see if they could offer concessionary premiums for Forum members, of any age?

Used to be years ago, can't remember who with?

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another_clean_sheet · 23rd January 2024, 20:54

Quote:

Originally Posted by GeoffWW

Has any owner considered having just Third Party cover without all the other add-ons.

No, because you will find that 3rd Party only is more expensive than fully comp. Insurers consider that those who go for 3rd party only are a greater risk than those who go for fully comp

daveo138 · 23rd January 2024, 20:57

Quote:

Originally Posted by suzublu

Used to be years ago, can't remember who with?

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I used to be on a VW-Audi forum. They had an insurance deal with Chris Knott Insurance. Quite competitive, ISTR.

https://www.chrisknott.co.uk/

21st January 2024, 19:30	#12
Raven Black Gets stuck in Rover 75 saloon Join Date: Jan 2019 Location: Horley Posts: 881 Thanks: 703 Thanked 267 Times in 198 Posts	Hastings Strange, been on all those sites, hastings didn't come up, but direct quotes from them over 600. Peter best came up with 1k a year, my MG is 110 a year. Put 4k max miles, 6 yrs no claims, car value 2k, why??? Classic line even worse at 1200 a year. I have never had accident. Also direct line, Churchill, aa, saga, the lot, phone and internet. It's bizarre. __________________ 2002 Connie SE CDTi Raven Black saloon 1978 MGBGT Brooklands Green Last edited by Raven Black; 21st January 2024 at 19:35..

23rd January 2024, 18:38	#17
GeoffWW Loves to post Rover 75 CDTi Tourer Connoisseur SE Auto, Also fully restored Mk 2 1966 MG Midget Join Date: Apr 2007 Location: Manchester Posts: 314 Thanks: 49 Thanked 59 Times in 46 Posts	Why can’t the forum approach insurers with the idea of the insurers offering cover for all 75 owners at a much discounted premium. Other car marque forums have done it, why not the 75? Has any owner considered having just Third Party cover without all the other add-ons. Most of us have year upon year with the only activity being the payment of the premium each year. Easy money for them. If and when claims are made, straight away it’s a write off, with next to nothing back for the so-call comprehensive cover paid for. Will there be any motor insurers at the Gaydon do in the spring? Perhaps one of the Forum admin staff make an approach to a few of the bigger, more reliable, insurers to see if they could offer concessionary premiums for Forum members, of any age? Last edited by GeoffWW; 23rd January 2024 at 18:40..

21st January 2024, 18:18	#11
matoakwell Regular poster Rover 75 saloon Join Date: Jul 2010 Location: Barnsley Posts: 34 Thanks: 3 Thanked 5 Times in 2 Posts	It doesn't matter who x, y or z are insured by or how much they pay unless your details match EXACTLY, which they don't. All you can do is shop around like everyone else. Sent from my CPH2009 using Tapatalk

21st January 2024, 20:34	#13
daveo138 Gets stuck in Rover 75 Tourer Join Date: Mar 2022 Location: Chesterfield Posts: 694 Thanks: 206 Thanked 69 Times in 53 Posts	This all sounds a bit worrying. I’ve been insured with Saga for the last two years. The first year I got the quote through Topcashback and it cost me about £160 before cashback, with no NCB due to having company car for years, two additional named drivers, fully comp and 2000 miles. Last year it was slightly cheaper, but Topcashback quotes were more, even with cashback, so I renewed the policy. It’s up for renewal in March and I’m dreading finding out what it’s going to cost, particularly as I will probably need to increase the mileage limit this year.

22nd January 2024, 14:46	#14
Kevin Williams Loves to post Rover 75 CDT Tourer [116 bhp] in Wedgwood Blue / MG ZT CDTi [131bhp] in Anthracite Join Date: Dec 2009 Location: Matlock Posts: 330 Thanks: 106 Thanked 66 Times in 52 Posts	My 75 and Ford C Max insurance renewals recently both came through at double last year's quote. My ZT is on a "modern Classic" policy with a different insurer and half the cost of the 75 quote. So I rang them to ask if they could do something similar for the 75. The instant answer was "no" even though it's basically the same car [both diesel with no mods] as they don't have a scheme for Rovers.... I did some ringing round to check and got better quotes and pitched them back to the current insurer and got a reduction to about 50% more in each case. On querying why prices have risen, the answer seems to be a] increased repair costs post Covid b] increased car purchase prices even though if I made a claim for my car it would be written off! By chance I happened to be next to a friend's second hand car site earlier today. I asked if he had problems getting stock in, and the answer was "yes, at an affordable price, both for me and for my customers". He's even got a board outside asking for cars for cash due to high auction prices/costs.....