Recommended Insurers

[JustCallMeMac]

Hi Everyone.

Will shortly be collecting my 981 Cayman S (manual) and am looking for insurer recommendations please. Car has circa £15k worth of factory-fit options.

I'm not necessarily looking for the cheapest option as 'peace of mind' re. cover, including the options and dealing with a good, knowledgeable company, should the worst happen, is more important. But at the same time I don't want to be paying over the odds when I don't need to. Track day cover isn't really a necessity as I have a Caterham for that.

So far I've had quotations of between £550.00 & £600.00 based on a limited annual mileage (5k-10k) and a compulsory excess of £500.00. That doesn't seem particularly unreasonable and I've spoken to the insurers in question rather than put my faith in online-quotes only. However any recommendations would still be welcome.

Many thanks in advance.

[Green1man]

Price is in line with what I pay but obviously is massively dependent on location and driving record/age etc.

Mine is due for renewal in a month or so and I will be trying some of the more specialist brokers (Flux etc) as you seem to get better quotes from these once you’ve had the car over 12months.

[Blink982]

One of the best quotes I got was from Aviva Private Clients which negated Gap insurance. The other recommended insurers you read about (do a search) were either too dear (NFU) or wouldn't cover me as I put down 10k miles pa.

https://www.aviva.co.uk/aviva-private-clients/car-...

[Johnniem]

Locktons every day for me. Excellent service and very helpful chaps! If you are a member of the porsche owners club then you'll get a decent discount on the first year. They'll do agreed value too.

JM

[DJMC]

If you can get NFU to accept you and the price is good they do have a reputation for no hassle claims.

They also do multi car and other policy discounts and instalments at the same price as annual cost (no interest).

http://www.autoexpress.co.uk/car-news/driver-power...

[dreamcar]

Johnniem said:

Locktons every day for me. Excellent service and very helpful chaps! If you are a member of the porsche owners club then you'll get a decent discount on the first year. They'll do agreed value too.

JM

They do - but you have to get an authorised valuation, you can’t come up with your own. At least that is what I was told when I was looking to renew earlier this year.

[dreamcar]

DJMC said:

If you can get NFU to accept you and the price is good they do have a reputation for no hassle claims.

They also do multi car and other policy discounts and instalments at the same price as annual cost (no interest).

http://www.autoexpress.co.uk/car-news/driver-power...

NFU do have an excellent reputation, the only thing that put me off was a £1,500 excess if the car was stolen, £1,100 more than Marsh Private Clients (ex Porsche Insurance) who I eventually renewed with, not the cheapest but they guaranteed any repairs at a Porsche Centre and use of OEM parts which many insurers won’t.

[anonymous-user]

How on earth did you get an excess of £1,500 (1100) ? ! Mine is not with NFU, but is "only" £350. Maybe you deserve an 'award' for the highest excess !

Edited by anonymous-user on Wednesday 20th June 16:13

[Andy_GTS]

I use A-Plan Private Clients for mine and I've never had any problems with them.

[dreamcar]

Schmed said:

How on earth did you get an excess of £1,500 (1100) ? ! Mine is not with NFU, but is "only" £350. Maybe you deserve an 'award' for the highest excess !

Edited by Schmed on Wednesday 20th June 16:13

I didn’t as I didn’t place my business with NFU - “due to the specialist and high performance nature of the vehicle” is what their advisor told me at the time. Shame - if it hadn’t been for that crazy excess I may well have used them.

[Pinball]

My insurance is with Aviva. Got it through a broker, it’s a different package to what Aviva offer online. No excess, repairs are OEM at a Porsche dealer. Any claim which isn’t my fault doesn’t affect NCB. Also has track insurance. In the case of a write off, the car is replaced with all options irrespective of whether it all costs more due to price increases.

Edited by Pinball on Wednesday 20th June 22:36

[Johnniem]

dreamcar said:

Johnniem said:

Locktons every day for me. Excellent service and very helpful chaps! If you are a member of the porsche owners club then you'll get a decent discount on the first year. They'll do agreed value too.

JM

They do - but you have to get an authorised valuation, you can’t come up with your own. At least that is what I was told when I was looking to renew earlier this year.

That's a given isn't it? Otherwise one would just put a ridiculous value on it. My 987.2 has maintained it's value for three years and I can't see it going down dramatically in the near future. I just get a latest valuation (£50 cost) from the garage that sold it to me (Porsche specialist) and robert et ton oncle.

[Cheib]

Pinball said:

My insurance is with Aviva. Got it through a broker, it’s a different package to what Aviva offer online. No excess, repairs are OEM at a Porsche dealer. Any claim which isn’t my fault doesn’t affect NCB. Also has track insurance. In the case of a write off, the car is replaced with all options irrespective of whether it all costs more due to price increases.

Edited by Pinball on Wednesday 20th June 22:36

That'll be Aviva Private Client by the sounds of it. Similar offered by Hiscox, Zurich etc. As you say cover is a lot more comprehensive but you pay more for it. Personally I think it's worth it.

[Tony 1234]

DJMC said:

If you can get NFU to accept you and the price is good they do have a reputation for no hassle claims.

They also do multi car and other policy discounts and instalments at the same price as annual cost (no interest).

http://www.autoexpress.co.uk/car-news/driver-power...

Another vote for NFU I've a .2 GT3 and a new Macan with them, 2 year new car cost back if written off.

[SV_WDC]

Johnniem said:

That's a given isn't it? Otherwise one would just put a ridiculous value on it. My 987.2 has maintained it's value for three years and I can't see it going down dramatically in the near future. I just get a latest valuation (£50 cost) from the garage that sold it to me (Porsche specialist) and robert et ton oncle.

Porsche club do a valuation FOC, which Locktons accept.

[Lox]

Confused.com. Select cheapest. Don't crash.

Has saved me a ton of money over "specialists", whatever the hell that means in the context of a commodity product.

Ask yourself, do you need guaranteed values and excellent customer service for something you won't actually use?

[s3 akr]

Reis Motorsport Insurance do a road policy, agreed value, 6 trackdays included. Got mine for £540 with 3k mile limit. £30 more for 5k limit. Excess was reasonable but leaps to 10% of car value on track.

[Boxster_racer]

Aviva £219 p.a. 4K miles, £350 excess.

[Boxster_racer]

s3 akr said:

Reis Motorsport Insurance do a road policy, agreed value, 6 trackdays included. Got mine for £540 with 3k mile limit. £30 more for 5k limit. Excess was reasonable but leaps to 10% of car value on track.

Sounds like a great deal. Will look them up at renewal. Normally do my track day insurance with Morís and my road insurance with Aviva.

[anonymous-user]

You guys crack me up, who pays all that £ and only does 3k miles a year? You may as well go the whole hog, just declare it sorn and keep it in the garage all the time as there’s no point having a car!

I did 20k on in my first year