Arriva Driver App - wow big reduction in quote!!

[AstonExige]

Guys, I'm in a dilemma. Deadline has arrived and I need to sort insurance today. I've got two great quotes from two very different insurers and I can't decide which one to go for. So looking for opinions. Here are the details:

Age: 43 10yrs NCB Garaged, medium risk area. Experience of high performance cars

Arriva: £645 reduced to £472! 6000 miles pa, social domestic and commuting. £1050 excess to use AM dealer. Tracker required.
Classicline: £727 5000 miles pa, social and domestic only. £500 excess. NO tracker required

My tracker sub is £250 (due December) so taking that into account the annual premium is very similar. (I don't value a tracker, to me its just a cost, if the car is stolen I don't want it back!)

Classicline don't require NCB, so I'm free to use it elsewhere if the need every arises. They class it as a future classic. Obviously a lot lower excess (so take one claim into account and they're a no brainer)

I'm leaning towards Classicline, but hesitating as I've not heard of them. Anyone had any experience? Especially when it comes to a claim?

Any other opinions? I'm struggling to make a decision today!

Anyone interested in the driver app its very worth while. Just have to monitor your driving for 200 miles and you're given a score. They then discount your quote accordingly. If it wasn't for the monster excess I'd just go with Aviva

[Flugplatz]

https://www.pistonheads.com/gassing/topic.asp?t=78...

[Jon39]

AstonExige said:

Arriva: £645 reduced to £472! 6000 miles pa, social domestic and commuting. £1050 excess to use AM dealer. Tracker required.
Classicline: £727 5000 miles pa, social and domestic only. £500 excess. NO tracker required

Anyone interested in the driver app its very worth while. Just have to monitor your driving for 200 miles and you're given a score. They then discount your quote accordingly. If it wasn't for the monster excess I'd just go with Aviva

It is confusing when an insurer and a bus firm, use almost the same name.

Is the Aviva reduction to do with the 'driving carefully for 200 miles App' (I could probably do well below every speed limit, if it is only for 200 miles) or was the £645 your last year premium with them?

I did not think Aviva insisted on a Tracker. Several people have mentioned that, but perhaps it is a recent change.

[HBradley]

Anything that involves my driving being monitored (App or Black Box) is an instance no! My girlfriend is having an absolutely nightmare with a car (Citroen DS3) she shares with her son, even speed bumps have a negative effect on the scores! Thank God it's only for a year!

[Grant3]

Have you tried the specialist AMOC insurance scheme from Locktons, they will negotiate if you have a proven quote from elsewhere, specialise in Aston's and include breakdown cover within the package........
http://www.locktonperformance.com/our-cover/aston-...

[AstonExige]

I've always avoided these monitoring apps. However having called Aviva and received a quote for £645, I then went back and asked if they could do it cheaper and was asked if I'd tried the app? I was told if I racked up 200 miles it would give me a score. Over 7.1 I'd get a 28% discount. Over 5.1 and 14%. Less than 5.1 no discount. No obligation to carry on driving with it. Put 204 miles on it, got 7.1, turned it off, rang Aviva, premium down to £470 I'll definitely try them again when the renewal comes up on the other cars.

That being said I think I'm swaying towards Classicline. Premiums are the same taking into account the tracker, except Classicline have an excess of £500 and Aviva £1050! I don't intend to claim but just one and that makes all the difference. They were very good on the phone too. They also said I could park my no claims with them and when I take it off will give me proof to use elsewhere. I will drill down on that though. I've got 10yrs to take across, I'll be VERY p!ssed off if I lost that.

[AstonExige]

Grant3 said:

Have you tried the specialist AMOC insurance scheme from Locktons, they will negotiate if you have a proven quote from elsewhere, specialise in Aston's and include breakdown cover within the package........
http://www.locktonperformance.com/our-cover/aston-...

I did have them on my list but got bored reeling off my info after 10+ companies. The brokers couldn't get near to Aviva and Classicline, so gave up with them. Also I'm not a member of AMOC. Thanks for the heads up though

[cayman-black]

I,m with Saga but as i,m older than you i don't think they insure under 50s. Have you tried NFU i have heard good things about them.
Oh and Aviva required a tracker when i inquired.

[AstonExige]

Went with Classicline in the end. They confirmed in an email that the NCB can be "held" against the policy and can be used at any time on another vehicle. Ie although its not building up I won't lose it. Also in the event of a claim my NCB won't be affected.

[Jon39]

cayman-black said:

Oh and Aviva required a tracker when i inquired.

Does anyone know if they are now insisting on trackers, for their existing policyholders at renewal?
Small print stuff perhaps.

[Composer62]

My current policy is with Aviva and they didn't require a tracker.

Kevin

[spyker138]

I just got a policy with Aviva and they said anything over 75k value requires a tracker. Could not persuade them otherwise even with increased premium.