Insurance - A Decision

[Monsterlime]

So, it is that time of year again! For some odd reason, the current insurer is no longer interested in covering TVR's (well, cars with a modified suspension..odd, but nevermind), so the hunt is on!

Now, my Chimaera is my only car, I really have no need of another car. I do have access to a 2nd car though, but only as a named driver, and only infrequently. Also, I commute to work via Bus/Train etc.

So, which policy do I go for? A comprehensive policy that accrues NCB, or a classic policy and lose the NCB I have? A small spanner is that a "standard" policy is cheaper from a regular insurer than a specialist (by around £200), but a classic policy is somewhat cheaper still. Obviously, with a regular insurer I would lack agreed value, preferred repairer, track day and potentially Euro cover. Is that extra worth £200?

I suspect rather that if I let my NCB lapse, next year will be more expensive still, but is that worth it? Decisions!

What would you do, or what have you done?

[gavgavgav]

tried mannings?

[Monsterlime]

They are the ones that really prompted the question.

Their "standard" policy is £200 more than a regular insurer, but the classic policy is over £200 less than a regular insurer, but obviously without NCB etc.

[fausTVR]

AFAIK classic insurance requires that the car is not your main everyday car, but a 2nd car. It may be that some insurers don't insist on this.

[Monsterlime]

Certainly the few quotes I've had, they don't seem to mind. I've been up front that it is my only car (albeit only really used at weekends).

[LaserTam]

I have just changed to Classic Line, competetive etc etc. But I had a query about NCB and that they would need a copy/proof of my NCB (confusion whether it was 7 years or 9). They said - doesnt matter. With that particular policy, the NCB makes no difference to the premium!

[mikal83]

Just insured my new Chim, with lancaster...was cheaper,(and with all the usual add ons), than 2 others known to be here