Positive insurance experiences with RH specialists/ERS?
Discussion
Hi folks.
I'd be keen to know/hear of any positive experiences of claims with RH Specialists or ERS/Equity Red Star
The backstory:
Insurance renewal time coming up.
Currently with RH Specialists/Equity Red Star. Been with them a few years, and in terms of cover have given me exactly what I need in terms of agreed value, storage, type use (which for me includes personal business miles) etc. Never had any issues with them, they haven't hiked the price up each year, but... never had cause to claim. Clearly the real test of an insurance co is when you do need to claim, and how it is handled,
Seriously considering Millbrook TVRCC event this year - I went the last time back in 2015 and had to take out separate cover as you don't get track day/car club event cover with ERS (unlike Classicline, Mannings etc, which does include it)
Currently umming and erring whether to pay more, for a policy that does include this (eg Mannings/Classicline etc), or stick with RH, and take out a separate cover for Millbrook, like I did in 2015.
Looking at insurance reviews - they tend to be 'pretty dire' for ERS.. but then if look at reviews for most insurers and they tend to look bad (people only tend to post negative experiences)
So with this in mind, I'd like to ask if any of you have positive experiences of dealing with ERS, or RH Specialists?
Thoughts appreciated many thanks :-)
NB - happy to also take messages/PMs if there are things you would say, but cannot due to name/shame rules
I'd be keen to know/hear of any positive experiences of claims with RH Specialists or ERS/Equity Red Star
The backstory:
Insurance renewal time coming up.
Currently with RH Specialists/Equity Red Star. Been with them a few years, and in terms of cover have given me exactly what I need in terms of agreed value, storage, type use (which for me includes personal business miles) etc. Never had any issues with them, they haven't hiked the price up each year, but... never had cause to claim. Clearly the real test of an insurance co is when you do need to claim, and how it is handled,
Seriously considering Millbrook TVRCC event this year - I went the last time back in 2015 and had to take out separate cover as you don't get track day/car club event cover with ERS (unlike Classicline, Mannings etc, which does include it)
Currently umming and erring whether to pay more, for a policy that does include this (eg Mannings/Classicline etc), or stick with RH, and take out a separate cover for Millbrook, like I did in 2015.
Looking at insurance reviews - they tend to be 'pretty dire' for ERS.. but then if look at reviews for most insurers and they tend to look bad (people only tend to post negative experiences)
So with this in mind, I'd like to ask if any of you have positive experiences of dealing with ERS, or RH Specialists?
Thoughts appreciated many thanks :-)
NB - happy to also take messages/PMs if there are things you would say, but cannot due to name/shame rules
The positive thing I can say is that I was insured with them. They were no problem at all. Never claimed.
I used them for years when I had modified cars (lots with turbos). I've driven and owned lots of performance cars inc M3s (3 of them), Aston DB7, Supra turbos (2), TVR Cerbera, and Chimaera modified with a turbo. Came to renewal time last year when I got another Aston and they declined via their broker as I did not have any recent high performance driving experience. Very odd.
I used them for years when I had modified cars (lots with turbos). I've driven and owned lots of performance cars inc M3s (3 of them), Aston DB7, Supra turbos (2), TVR Cerbera, and Chimaera modified with a turbo. Came to renewal time last year when I got another Aston and they declined via their broker as I did not have any recent high performance driving experience. Very odd.
Edited by N7GTX on Wednesday 26th February 23:15
TV8 said:
Have a look at Footman James. They covered me for Milbrook and also parade laps at Spa at the classic.
Everything you could want for insurance is covered as an option, such as guaranteed value, salvage, track use, club events etc.
Hi - unfortunately when I spoke to them last year they could not cover me for personal business use.Everything you could want for insurance is covered as an option, such as guaranteed value, salvage, track use, club events etc.
With two young toddlers, most of the opportunity I get to drive the car is when I have a client meeting somewhere, the sun is shining, and I decide to take the Tiv instead of the daily......
RH were able to provide me all of that, except the car club event/Millbrook cover....
Can't speak for ERS but id seriously think about spending a little more and going for manning's.
I had a big claim on my old t350 a few years back and they (and the underlying insurer) were amazing. The repairing garage screwed up my paint work so badly manning's helped get a full back to gel coat respray at surface and design at a cost of just over 10k, this was on top of the original 18k repair by the other so called tvr specialist.
You'll also get the track day cover you need included. Price is not the only factor in choosing insurance.
I had a big claim on my old t350 a few years back and they (and the underlying insurer) were amazing. The repairing garage screwed up my paint work so badly manning's helped get a full back to gel coat respray at surface and design at a cost of just over 10k, this was on top of the original 18k repair by the other so called tvr specialist.
You'll also get the track day cover you need included. Price is not the only factor in choosing insurance.
Zippee said:
Can't speak for ERS but id seriously think about spending a little more and going for manning's.
I had a big claim on my old t350 a few years back and they (and the underlying insurer) were amazing. The repairing garage screwed up my paint work so badly manning's helped get a full back to gel coat respray at surface and design at a cost of just over 10k, this was on top of the original 18k repair by the other so called tvr specialist.
You'll also get the track day cover you need included. Price is not the only factor in choosing insurance.
HI Zippee, thanks for this. I had a big claim on my old t350 a few years back and they (and the underlying insurer) were amazing. The repairing garage screwed up my paint work so badly manning's helped get a full back to gel coat respray at surface and design at a cost of just over 10k, this was on top of the original 18k repair by the other so called tvr specialist.
You'll also get the track day cover you need included. Price is not the only factor in choosing insurance.
Just to be clear - its not about the quote value.
RH I have found (aside from the track/car club event) to be very good is providing me exactly what I need, down to oddities in storage, use etc (ie being able to use it for personal business use) etc. Plus they don't try to take the biscuit with a price hike each renewal.... (Which is worth a lot) - hence I've been with them for number of year (prior to that - ManningUK of all people :-) )
What I missing is reference data on what they are like to claim.
Having had considerable work completed on the car over the last couple of years, the agreed value, and ensuring the will honour this, as well as accomodating my specific needs.
It may be that being a "Millbrook year" (And having the go-ahead from OH to go - :-) swings it on the basis of included cover, as opposed to taking a separate policy
If you google - (ERS - not RH) frankly does not look good. Buit th
Zippee said:
Can't speak for ERS but id seriously think about spending a little more and going for manning's.
I had a big claim on my old t350 a few years back and they (and the underlying insurer) were amazing. The repairing garage screwed up my paint work so badly manning's helped get a full back to gel coat respray at surface and design at a cost of just over 10k, this was on top of the original 18k repair by the other so called tvr specialist.
You'll also get the track day cover you need included. Price is not the only factor in choosing insurance.
Horses for Courses, I've used both, currently with RH, the policy I have includes class 1 business use, UK & European recovery, agreed value and, cherished salvage (if the car is written off, you get both the value and the vehicle). When I was with Mannings they did offer track cover and agreed value but non of the other benefits. I had a big claim on my old t350 a few years back and they (and the underlying insurer) were amazing. The repairing garage screwed up my paint work so badly manning's helped get a full back to gel coat respray at surface and design at a cost of just over 10k, this was on top of the original 18k repair by the other so called tvr specialist.
You'll also get the track day cover you need included. Price is not the only factor in choosing insurance.
Mellow Yellow said:
Horses for Courses, I've used both, currently with RH, the policy I have includes class 1 business use, UK & European recovery, agreed value and, cherished salvage (if the car is written off, you get both the value and the vehicle). When I was with Mannings they did offer track cover and agreed value but non of the other benefits.
And this was one of the reasons I stuck with RH - basically gave me exactly what i wanted, and the track day elements was a non-issue.Really planning to do some of the TVR stuff this year so have gone with Mannings, and then review for next year.
HiAsAKite said:
TV8 said:
Have a look at Footman James. They covered me for Milbrook and also parade laps at Spa at the classic.
Everything you could want for insurance is covered as an option, such as guaranteed value, salvage, track use, club events etc.
Hi - unfortunately when I spoke to them last year they could not cover me for personal business use.Everything you could want for insurance is covered as an option, such as guaranteed value, salvage, track use, club events etc.
With two young toddlers, most of the opportunity I get to drive the car is when I have a client meeting somewhere, the sun is shining, and I decide to take the Tiv instead of the daily......
RH were able to provide me all of that, except the car club event/Millbrook cover....
Re business use, explore what it’s means. If you can confirm that it’s a single place for the day, ie home to clients office or factory etc, not multiple drop offs, carriage of goods/samples etc, and I think most of them should be fine with it?
HiAsAKite said:
Mellow Yellow said:
Horses for Courses, I've used both, currently with RH, the policy I have includes class 1 business use, UK & European recovery, agreed value and, cherished salvage (if the car is written off, you get both the value and the vehicle). When I was with Mannings they did offer track cover and agreed value but non of the other benefits.
And this was one of the reasons I stuck with RH - basically gave me exactly what i wanted, and the track day elements was a non-issue.Really planning to do some of the TVR stuff this year so have gone with Mannings, and then review for next year.
This is Emma, Head of RH (I have only just joined the Forum today!). I have read the various comments on this thread re RH with interest and would be delighted to hear from you a couple of weeks ahead of your next renewal date if you have any queries re RH's cover / benefits, etc. I personally own a 1969 Tuscan (lightweight-bodied) so I'm not just 'a suit' - I'm a genuine petrolhead, too.
With best wishes,
Emma Airey
emma.airey@rhspecialistinsurance.co.uk
RH Insurance said:
HiAsAKite said:
Mellow Yellow said:
Horses for Courses, I've used both, currently with RH, the policy I have includes class 1 business use, UK & European recovery, agreed value and, cherished salvage (if the car is written off, you get both the value and the vehicle). When I was with Mannings they did offer track cover and agreed value but non of the other benefits.
And this was one of the reasons I stuck with RH - basically gave me exactly what i wanted, and the track day elements was a non-issue.Really planning to do some of the TVR stuff this year so have gone with Mannings, and then review for next year.
This is Emma, Head of RH (I have only just joined the Forum today!). I have read the various comments on this thread re RH with interest and would be delighted to hear from you a couple of weeks ahead of your next renewal date if you have any queries re RH's cover / benefits, etc. I personally own a 1969 Tuscan (lightweight-bodied) so I'm not just 'a suit' - I'm a genuine petrolhead, too.
With best wishes,
Emma Airey
emma.airey@rhspecialistinsurance.co.uk
Also good to know we have a company with specialist TVR Knowledge when renewal time comes around.
Neil.
Dollyman1850 said:
RH Insurance said:
HiAsAKite said:
Mellow Yellow said:
Horses for Courses, I've used both, currently with RH, the policy I have includes class 1 business use, UK & European recovery, agreed value and, cherished salvage (if the car is written off, you get both the value and the vehicle). When I was with Mannings they did offer track cover and agreed value but non of the other benefits.
And this was one of the reasons I stuck with RH - basically gave me exactly what i wanted, and the track day elements was a non-issue.Really planning to do some of the TVR stuff this year so have gone with Mannings, and then review for next year.
This is Emma, Head of RH (I have only just joined the Forum today!). I have read the various comments on this thread re RH with interest and would be delighted to hear from you a couple of weeks ahead of your next renewal date if you have any queries re RH's cover / benefits, etc. I personally own a 1969 Tuscan (lightweight-bodied) so I'm not just 'a suit' - I'm a genuine petrolhead, too.
With best wishes,
Emma Airey
emma.airey@rhspecialistinsurance.co.uk
Also good to know we have a company with specialist TVR Knowledge when renewal time comes around.
Neil.
Not due until Feb/March, but will bear in mind,
KR
HiAsAKite
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