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kazste
Original Poster
1,741 posts
67 months
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As above time has come to renew my policy, spoke to CCI who i have been with for past 3 and half years and they now wont cover anyone doing more than 8000 miles a year, pain in the rs but their choice I suppose so no grudge held. Spoke to Adrian Flux but price is about £300 more than CCI and so far Sheila's Wheels seem the cheapest, I assumed they only covered women (maybe they have seen my driving!).
Any other pointers as where to look greatly appreciated, I know that these come up all the time but normally the response is either Adrian Flux or CCI so wondered if any others emerging?
Also hope that this helps others if they run over the 8000 miles and currently use CCI.
Thanks for reading and any suggestions will be looked into and appreciated, have a good day.
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400SE Dave
666 posts
40 months
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Henderson Taylor
REIS
Mannings
Footman James
Just a few that spring to mind
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Thorburn
1,251 posts
62 months
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kazste said: As above time has come to renew my policy, spoke to CCI who i have been with for past 3 and half years and they now wont cover anyone doing more than 8000 miles a year, pain in the rs but their choice I suppose so no grudge held. In fairness to CCI I believe that's down to changes made by Aviva (their underwriters), rather than their choice. The list on the SELOC TechWiki is reasonably frequently updated and may be worth a look: http://wiki.seloc.org/a/InsuranceI renewed with CCI and only got a £12 increase this year (3,000 miles, no commuting), but others with higher mileage limits and commuting or business use saw 30%+ increases.
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kambites
32,864 posts
90 months
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Elephant have always been very competitive for me.
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kazste
Original Poster
1,741 posts
67 months
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elephant are £150 more, and henderson taylor only go up to 5000 miles boo  reis only go up to 7000 miles per year
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bordseye
906 posts
61 months
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kambites said: Elephant have always been very competitive for me. Wouldnt trust them as far as I could throw them. Son had a claim for damage to his car which was hit by an old lady whilst it was parked in a bay at the side of the road with him sat down in a cafe opposite. Son had protected NCB and in any case full costs were recovered from her insurance. Next year Elephant doubled his gross premium and when I asked why, they said that his accident showed that he was accident prone! Basically they were dishonest.
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kambites
32,864 posts
90 months
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bordseye said: Wouldnt trust them as far as I could throw them. Son had a claim for damage to his car which was hit by an old lady whilst it was parked in a bay at the side of the road with him sat down in a cafe opposite. Son had protected NCB and in any case full costs were recovered from her insurance. Next year Elephant doubled his gross premium and when I asked why, they said that his accident showed that he was accident prone! Basically they were dishonest. How is that dishonest? "Protected no claims bonus" just means that your no claims bonus doesn't diminish. It doesn't mean your premium wont rise after an accident. As far as I know, any insurance company would have done exactly the same thing. I think you could have reclaimed the extra costs from the woman who hit him, if you'd bothered.
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Thorburn
1,251 posts
62 months
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Elephant are owned by Admiral, same as Sheilas Wheels - hence their website and quotes are pretty much identical.
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kambites
32,864 posts
90 months
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Thorburn said: Elephant are owned by Admiral, same as Sheilas Wheels - hence their website and quotes are pretty much identical. There are differences in their policies though. Admiral wouldn't insure me without a tracker, Elephant would.
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Thorburn
1,251 posts
62 months
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bordseye said: Son had protected NCB and in any case full costs were recovered from her insurance. Next year Elephant doubled his gross premium and when I asked why, they said that his accident showed that he was accident prone! Basically they were dishonest. You're protecting the percentage discount they give you off the calculated premium. His risk profile had increased, therefore his base premium had increased - the same percentage discount would still be applied to it though. Would have gone up a lot more without the protected NCB. That's not dishonesty, it's just failing to understand what protected NCB means and how they calculate the price.
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kazste
Original Poster
1,741 posts
67 months
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Footman James won't insure you on a modern car unless you have a classic policy with them, again fair dues their company their rules.
It is a little worrying though that many specialist insurers are insisting on very limited miles, I know I'm the exception rather than the rule but surprised at this. Again nothing against cci they haven't tried to be sneaky have just changed their policy rules at renewal time but does show a potential worrying trend.
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kambites
32,864 posts
90 months
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These "specialists" can only get away with offering lower premiums than the mainstream suppliers because they insure cars which aren't used much are are extremely well cared for. I think with rising insurance costs, people have got wise to this and started buying "specialist" cars to use as daily drivers, which has forced the specialists introduce new rules to weed out those people.
I know when I bought my MGB as my first car that I was paying well under my real risk rate for precisely that reason. I'm not surprised that they've tried to close the loop hole.
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Lotusjez
27 posts
45 months
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Hi I've been with CCI for the past couple of years but I have renewed with the AA. £142 fully comp 3000 miles. Purring with delight!!!
However I'm 53 and a driving instructor with several advanced qualifications, and it's garaged with a Thatchem 1.
Jez
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missdiane
13,940 posts
118 months
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A plan were good when I wanted a competitive quote
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Platinum
2,090 posts
92 months
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kazste said: reis only go up to 7000 miles per year Are you sure? I have unlimited mileage on my policy, but then again, it's not cheap  .
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kazste
Original Poster
1,741 posts
67 months
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No I'm not sure only gong by what one operative told me, but then I would of posted the same if someone had of said this about cci as mine currently is unlimited. You may get a shock at renewal time, looks like you might be coming over to shielas wheels as well!
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