Insurance ( again, sorry )

[runner911]

Just had my renewal notice for my 2005 DB9 from my usual insurers. Fully comp., £650 excess, protected NCB, 5000 miles per year, wife named driver, legal protection.No convictions etc, for either of us.
£372.

Tried the meerkat website. Cheapest quote for identical cover £228-96.

I am an OAP ( just ) . Pains me to reveal that !

Is there a catch ?

If I did have a bump, could I insist that any repairs would be carried out by an Aston Martin approved body shop ?

Living in Plymouth.

Any advice please ?

[drofnavi]

That sounds to me like a really competative quote.

[MaverickV12]

runner911 said:

£372.

Sounds a cracking deal , grab it with both hands, I doubt very much that it will cover you to have it sorted at AM. Depending on the insurer, but they normally like their own repairers. I had a little bump and they insisted that their repairer did the work. If not, then there were sanctions such as we had to pay the Excess in advance and, importantly there would be NO hire car.

I am guessing that if you want to be able to take it to AM, then do AM do their own insurance? But you'd probably pay for it.

IMPORTANT - at £372.00 are you sure you're covered for everything ? There is a big debate (but very quiet) raging at the mo, that these super cheap internet quote are great for getting insurance, they take your money quick enough, but when it comes to paying out, there is a huge number of issues raised and you find yourself NOT insured. Don't really want to be driving a AM and find it not insured.

I'm with Aviva, and everytime I touch the car I email AND write to the broker and tell them, different types of tyres, different size of tyre, different exhaust etc etc When they send me the yearly detail (Schedule) I don't, "look", at the thing, I, "examine", it. I've been working with (or against - which ever way you look at it) with insurance companies for many years and I've seen them, "wriggle", at what is clearly an airtight case. But, "wriggle", they do ...........

[Agent57]

What is the name of the insurance co? Often the cheapest ones are not UK based and not covered by our regulator.

You often find for £2 or £3 more you can get cover with a big name insurance co. that you have heard of.

[runner911]

The name of the quoting company is Diamond Insurance.
I've never heard of them .

[Agent57]

Aren't they the insurance co. for women?

[dmhort23]

Diamond is part of EUI the same company behind Admiral, so should be pretty legit.

[yeti]

I >think< you have the right to have your car repaired where you want, but possibly only within reason.

Good quote but let's face it; you're low risk with a realtively low risk car. Lucky you!!

[Jockman]

dmhort23 said:

Diamond is part of EUI the same company behind Admiral, so should be pretty legit.

Yup, I've had a few quotes from them in the past on other cars but not on an Aston.

Great premium....examine the small print VERY carefully

[Neil1300R]

yeti said:

I >think< you have the right to have your car repaired where you want, but possibly only within reason.

You have the right to have it repaired at a garage of your choice. You may not get the hire car from the insurance company, but most repair centres will include one if you ask anyway.
if its part of the Admiral Group they will send it to an AM Approved Bodyshop anyway.

[IanV12VR]

Neil1300R said:

You have the right to have it repaired at a garage of your choice. You may not get the hire car from the insurance company, but most repair centres will include one if you ask anyway.
if its part of the Admiral Group they will send it to an AM Approved Bodyshop anyway.

That's interesting. I was looking to add the Aston to my multi car policy and they were not able to confirm to me in writing that they would allow me to send the car to an AM approved body shop. The definite impression I gained was that, if not using their approved repairer, then I would have to get three quotes and then they would consider my request. So I stayed with Locktons.

[dmhort23]

IanV12VR said:

That's interesting. I was looking to add the Aston to my multi car policy and they were not able to confirm to me in writing that they would allow me to send the car to an AM approved body shop. The definite impression I gained was that, if not using their approved repairer, then I would have to get three quotes and then they would consider my request. So I stayed with Locktons.

Ian, I have my DB9 on my multi-car policy and Admiral confirmed verbally that in the event of a claim I could us an AM Bodyshop. Maybe I ought to get this in writing.

[Neil1300R]

My quote was based on experience of claiming on the Aston!