Discussion
Wiz said:
Been with them a couple of years and not heard anything from them.
Guessing that once a policy is in place and payed for its a legal contract for the duration of the policy unless you modify or get endorsments.
Indeed. It doesn't sound like existing policies are being cancelled, just not renewed.Guessing that once a policy is in place and payed for its a legal contract for the duration of the policy unless you modify or get endorsments.
This, you will find, will probably be a 'broker' decision by Hagerty (although this is an educated guess - me being a broker and all 
.
The insurer - so I've read - is Allianz - the same as a number of other broker 'classic' schemes on the market. I can't see there being an issue on Allianz's side of things as no other scheme has advised they are taking this 'nothing younger than 1980' route.
Cheers
Jaye
.The insurer - so I've read - is Allianz - the same as a number of other broker 'classic' schemes on the market. I can't see there being an issue on Allianz's side of things as no other scheme has advised they are taking this 'nothing younger than 1980' route.
Cheers
Jaye
They renewed mine just two weeks ago, for renewal in Feb.
As the quote had gone up I asked why. The very helpful lady said that there insurer was upping the risk on post 1980 TVR, Porsches etc because the price of these vehicles was now in the reach of young/inexperienced drivers who bought and used them as fast cars not classics(with the inevitable results/claims).
However with a bit of fine tuning of the quote it came back to only a couple of quid above last years price. As I am an old duffer it may be that they will still insure those who they consider to be low risk and have the car purely for occassional use (eg My mileage limit is a mere 2k, although they will up that to 3k if I need it). If you fall into that category it may still be worth enquiring.
As the quote had gone up I asked why. The very helpful lady said that there insurer was upping the risk on post 1980 TVR, Porsches etc because the price of these vehicles was now in the reach of young/inexperienced drivers who bought and used them as fast cars not classics(with the inevitable results/claims).
However with a bit of fine tuning of the quote it came back to only a couple of quid above last years price. As I am an old duffer it may be that they will still insure those who they consider to be low risk and have the car purely for occassional use (eg My mileage limit is a mere 2k, although they will up that to 3k if I need it). If you fall into that category it may still be worth enquiring.
Insurance is wierd I was with Classic Line but they were quite a lot dearer than Hagerty.
Just insured my MG (marginal increase at first) reduced fee by £28 by putting wife on. She's only driven 2 years, about 2k miles and is a safer risk than me with 14 years, 9 years, 5 years NCD on various policies and the TVRs as well, no covictions, no 'fault' accidents, a couple of non-fault but full recovery from others.
I'll rent her out for 20%...
(hmm, I'll start drafting an ad now)
Just insured my MG (marginal increase at first) reduced fee by £28 by putting wife on. She's only driven 2 years, about 2k miles and is a safer risk than me with 14 years, 9 years, 5 years NCD on various policies and the TVRs as well, no covictions, no 'fault' accidents, a couple of non-fault but full recovery from others.
I'll rent her out for 20%...
(hmm, I'll start drafting an ad now)
Dave_M said:
Insurance is wierd I was with Classic Line but they were quite a lot dearer than Hagerty.
Just insured my MG (marginal increase at first) reduced fee by £28 by putting wife on. She's only driven 2 years, about 2k miles and is a safer risk than me with 14 years, 9 years, 5 years NCD on various policies and the TVRs as well, no covictions, no 'fault' accidents, a couple of non-fault but full recovery from others.
I'll rent her out for 20%...
(hmm, I'll start drafting an ad now)
Dave - doesn't the Cerbie going up in smoke count as a fault claim as you've made a claim that they can't recover?Just insured my MG (marginal increase at first) reduced fee by £28 by putting wife on. She's only driven 2 years, about 2k miles and is a safer risk than me with 14 years, 9 years, 5 years NCD on various policies and the TVRs as well, no covictions, no 'fault' accidents, a couple of non-fault but full recovery from others.
I'll rent her out for 20%...
(hmm, I'll start drafting an ad now)
Apparently not, although that may depend which company you talk to. On the other hand, when that woman drove into the side of my MG, accpted all responsibility, no loss to my insurers whatsoever, they said it may affect future premiums.
I imagine the logic with the cerb is I didn't cause the fire so it's non fault.
I checked Hagerty's website and it clearly says they do insure TVRs as either classics or future classics. I would have though an organisation like them would change salient points quickly, so I'm wondering if there are other factors that aren't clear. I emailed asking for clarification and to find out about the drive it day in April.
I imagine the logic with the cerb is I didn't cause the fire so it's non fault.
I checked Hagerty's website and it clearly says they do insure TVRs as either classics or future classics. I would have though an organisation like them would change salient points quickly, so I'm wondering if there are other factors that aren't clear. I emailed asking for clarification and to find out about the drive it day in April.
Barkychoc said:
Dave_M said:
Insurance is wierd I was with Classic Line but they were quite a lot dearer than Hagerty.
Just insured my MG (marginal increase at first) reduced fee by £28 by putting wife on. She's only driven 2 years, about 2k miles and is a safer risk than me with 14 years, 9 years, 5 years NCD on various policies and the TVRs as well, no covictions, no 'fault' accidents, a couple of non-fault but full recovery from others.
I'll rent her out for 20%...
(hmm, I'll start drafting an ad now)
Dave - doesn't the Cerbie going up in smoke count as a fault claim as you've made a claim that they can't recover?Just insured my MG (marginal increase at first) reduced fee by £28 by putting wife on. She's only driven 2 years, about 2k miles and is a safer risk than me with 14 years, 9 years, 5 years NCD on various policies and the TVRs as well, no covictions, no 'fault' accidents, a couple of non-fault but full recovery from others.
I'll rent her out for 20%...
(hmm, I'll start drafting an ad now)
Mark
I think it may well be declarable. However, when Chris first was able to drive again, his V8S was still off road (erm, like now!). So, I phoned Hagerty and put him on my insurance in case he wanted to borrow a car.
The cost?
£0!! Nothing at all. I thought there'd at least be some sort of admin charge, but there wasn't
The cost?
£0!! Nothing at all. I thought there'd at least be some sort of admin charge, but there wasn't
Dave_M said:
I think it may well be declarable. However, when Chris first was able to drive again, his V8S was still off road (erm, like now!). So, I phoned Hagerty and put him on my insurance in case he wanted to borrow a car.
The cost?
£0!! Nothing at all. I thought there'd at least be some sort of admin charge, but there wasn't
Oops, got confused The cost?
£0!! Nothing at all. I thought there'd at least be some sort of admin charge, but there wasn't
thought it was Chris saying "cheaper with wife than without". Really should read more carefully. Oh and try adding my missus to mine as she's a bit older than me and without my recent fault accident that might help even though she'll never drive the car (she refuses too not me not allowing her to)Mark
mep12345 said:
Much as I hate to say it Chris, but isn't your recent illness declarable seeing as it resulted in a medical suspension of your license and wouldn't it therefore be likely to add to your premiums?
Mark
Abso bleedin lutelyMark
I have a medical licence too - it has to be renewed every year.
I also have no no claims bonus either - so I've had to insure my daily drive (Honda Civic
group 5 insurance)£440 a year.
Plus some
head crashed into me in August. It never rains does it?
It was a bit odd with regard to the insurance - some took the view that if I had a licence that was good enough - DVLA say I'm fit to drive and thats that. Others had a total hissy fit and wouldn't touch me.
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