Insurance

[anonymous-user]

Just had a stonkingly good quote from Flux Direct, any words of warning /anybody tried them / any other recommendations ? Tried Direct Line, Admiral, Manning and LV but all massively higher priced.

[Cheib]

What's the car ? If it's under warranty I would make sure that all repairs are done using OEM parts...including windscreens.

[JayK12]

Use Admiral multi car, the GTS and another car on it, brought the GTS down to £420 a year this year. I've not been able to beat that. Never tried Flux.

[Lonely]

Doesn't everyone realise that car insurance is pure witchcraft and is not to be messed with by those outside the circle?

I can prove this as my Mazda 2 costs more to insure than my Cayman S........unbelievable but true! Both are very low though because I am old and claim free

[Porsche911R]

JayK12 said:

Use Admiral multi car, the GTS and another car on it, brought the GTS down to £420 a year this year. I've not been able to beat that. Never tried Flux.

sadly Admiral don't use oem parts on cars over 3 years old.

[gwsinc]

Did quite well on a total loss claim with Direct Line recently. Money in the bank in under 3 weeks for a ‘partial fault’ claim.

No experience with repairs thankfully, but the policy does state you can use your own repairer (inc. OPC) as long as they approve it in advance.

Really is worth looking into the small print, must haves for me would be:

Choice of repairer
Courtesy car
No admin fee for changes to policy
Reasonable excess
Protected no claims

Edited by gwsinc on Tuesday 2nd October 18:45

[Milnsey]

NFU for us. £720 in total for Macan GTS and Cayman 981 GTS
Our son’s car is through Flux Direct as he’s 17, getting through to their helpline is an utter nightmare, 45 mins plus before they answer

[boitjie]

Used NFU on my 718 CGTS. About £420 can pay monthly with zero interest and will replace old for new for the first 2 years

[JayK12]

Porsche911R said:

JayK12 said:

Use Admiral multi car, the GTS and another car on it, brought the GTS down to £420 a year this year. I've not been able to beat that. Never tried Flux.

sadly Admiral don't use oem parts on cars over 3 years old.

They have done, a friend smacked a Porker, all genuine parts used minus windscreen.

[Buggyjam]

Renewed with NFU. Wasn’t the total cheapest. But the cheaper ones were with firms who didn’t have the best reputation. Drew a circle around firms with a good reputation and choice between them and LV. Chose NFU due reading on here. I wanted a firm that doesn’t run for the hills if you need them.

Edited by Buggyjam on Thursday 4th October 11:21

[tedblog]

JayK12 said:

Porsche911R said:

JayK12 said:

Use Admiral multi car, the GTS and another car on it, brought the GTS down to £420 a year this year. I've not been able to beat that. Never tried Flux.

sadly Admiral don't use oem parts on cars over 3 years old.

They have done, a friend smacked a Porker, all genuine parts used minus windscreen.

You can choose to which repairer you would like your car to go too. If you request Porsche repairer they are very unlikely to use non oem parts?

[gwsinc]

Just got my updated renewal docs through the post and they’d removed my no claims discount protection.

Called them immediately and apparently it often ‘falls’ off the policy when you renew. They reinstated it for free with no fuss, but it was still lucky I noticed.

I suppose the lesson is: always check the docs.

[LiamH66]

Buggyjam said:

Renewed with NFU. Wasn’t the total cheapest. But the cheaper ones were with firms who didn’t have the best reputation. Drew a circle around firms with a good reputation and choice between them and LV. Chose NFU due reading on here. I wanted a firm that doesn’t run for the hills if you need them.

I spent some time online and on phones this week after Direct Line found they could not cover fire and theft on a GT4 unless I had a tracker fitted. NFU were really good on the phone, and came back with a price I was more than happy with - the local OPC recommended them on the basis that so many customers have had good things to say about them.

Liam

[anonymous-user]

NFU wanted a £1,200 excess for theft claims. Clearly I live in a rough area !

[dreamcar]

I got a quote from NFU and also found they wanted a £1,500 excess. Having said that cheapest price is not always best value, I use Marsh Private Clients (Aviva) great service, guarantee all repairs will be carried out using my nominated Porsche Centre and using Porsche parts. Very few insurers will do this. Yes, it is your right to specify where your car goes for repair but some insurers will clobber you for what they might consider “excessive costs” if you do this. Marsh used to be Porsche Insurance.

[dreamcar]

Cheib said:

What's the car ? If it's under warranty I would make sure that all repairs are done using OEM parts...including windscreens.

Agree - but as mentioned above some insurers won’t bear the full cost of doing this - read the very small print!!!

[StevenRugg]

My insurance is due next month, so I've been reading this thread with interest. First quote I did was with Porsche themselves (https://www.insurewithporsche.co.uk/) and came out at just under £2k, so I'll put that one to the side for now...

Is the implication that it's very bad to not use an OEM windscreen? Would it have any effect on any future warranty work from Porsche, for example?

Also I understand it's a legal right to pick your repairer, so I'd obviously always send it to my local OPC, and I've never heard of insurers charging customers to make up the difference in cost or anything. Can anyone cite specific cases of this, or indicate what I should look for in policy text, etc?

Cheers

[garypotter]

Used my local broker who insured my 03 C4s for £320, reputable insurer, i have all my business through this broker, they know me I know them and they look after me, yes possibly could get cheaper but as mentioned above cheapest is not always best.