Samuri Insurance
Discussion
Adrian Flux has provisionally quoted me £130 fully comp for my Samuri, while my current insurance broker (Swinton) have come back to me with a price of £114. Do these prices sound about right for fully comp?
I've got max no claims, no convictions, no points or anything so was hoping for a little less, especially as the guy I bought it off said he was only paying £80 fully comp!
I wonder if its worth getting a few TPF&T quotes too?
I've got max no claims, no convictions, no points or anything so was hoping for a little less, especially as the guy I bought it off said he was only paying £80 fully comp!
I wonder if its worth getting a few TPF&T quotes too?
I'm assuming (fatal I know) that a Sam will be along the same lines of insurance as a Jeep....Graham Sykes quoted me about £115 fully comp and when I asked them some months later for another quote it went up to £150. Asked them why, and it was because they had included Breakdown Cover and something else...can't remember exactly what...told them I didn't want those two 'add-ons' and it went back down to £115.
As far as tpf&t went, I think it was about £10 cheaper so for the sake of a tenner, IMO may as well have fully comp.
What also affects policies......is the car garaged? ..
kept off the highway?..voluntary excess?..limited mileage..probably engine size although brokers seem to have different opinions..price paid/value of car to list a few.
As far as tpf&t went, I think it was about £10 cheaper so for the sake of a tenner, IMO may as well have fully comp.
What also affects policies......is the car garaged? ..
kept off the highway?..voluntary excess?..limited mileage..probably engine size although brokers seem to have different opinions..price paid/value of car to list a few.
So my £114 through Swinton actually looks very good!
On the basis that I will also have an old 1975 Land Rover on the road for work, and the fact that I can only actually drive one vehicle at a time, I was hoping to get a discount for insuring the two vehicles through the same insurer. Not had chance to get info on this yet.
Anyone else run a Jago and another car? Can you get a joint insurance, or do vehicles always have to have separate insurance judged on each vehicles merits?
On the basis that I will also have an old 1975 Land Rover on the road for work, and the fact that I can only actually drive one vehicle at a time, I was hoping to get a discount for insuring the two vehicles through the same insurer. Not had chance to get info on this yet.
Anyone else run a Jago and another car? Can you get a joint insurance, or do vehicles always have to have separate insurance judged on each vehicles merits?
This time I am running a 'normal' car, you know, reliable, warm, economical, lockable(!) etc.,as my everyday transport and insure it with a general run of the mill insurance company via Graham Sykes. To insure the Jeep, I have been told that I must insure it on another policy (why you can't have two cars on one policy is beyond me) However, GS's can arrange a seperate policy that acknowledges the full ncb that I've built up over the years.
Just another thing while I'm here.......any JOC's out there that are under 25yrs and can get insurance on their Jeep, could they please get in touch with me? My Son is keen to drive my Jeep, but my broker doesn't like the idea of him being under 25.
Regards..........Gerry
Just another thing while I'm here.......any JOC's out there that are under 25yrs and can get insurance on their Jeep, could they please get in touch with me? My Son is keen to drive my Jeep, but my broker doesn't like the idea of him being under 25.
Regards..........Gerry
Am I seeing this right? Are some of you saying that you can only use your NCB on one vehicle? I.e I have 10 years+ NC on my Land Rover, but I can't also have this NC applied to my Samuri? Or am I getting a bit confused here?
I bloody hope I can use my NC on both cars, it's me that has No Claims not the vehicles!
I bloody hope I can use my NC on both cars, it's me that has No Claims not the vehicles!
As I undertsand it the rate is set , there is no NCB applied , as it is a specific kit car policy , the only differences to the premium being affected by location , driver's age , history , mileage etc, hence the similar figures quoted
When I took out mine in November the only stipulation was that you have a "normal" car so it is not your sole vehicle.
When I took out mine in November the only stipulation was that you have a "normal" car so it is not your sole vehicle.
I was confused somewhat when it came to insuring my two vehicles, in as much as to why wouldn't the insurance company just add the Jeep as a second vehicle?
As I said though, insurance on my Jeep can be arranged
with a willing insurance company, and accepting the full no claims bonus that I have, although the NCB certificate is with the insurers of my 1st vehicle.
I think it would probably be best if you speak to your Insurance Broker/Company.....bearing in mind what info you've gleamed from these postings, BUT also taking into account that different insurance companies and brokers seem to have different rules, guidelines and ways of doing things.
It wasn't so long ago I was told by one rather well known insurance company that I could make three modifications to my car. That included adding a stereo, lowering, ally wheels. However, if I was to replace the engine (as I intended to do as it was worse the wear due to high mileage) then this would make my policy 'invalid'
In this case this particular company didn't quote me happy.
I did ask the young lady on the end of the phone, what she classed as a 'modification'....anything that's been put on the car that wasn't there when it left the factory....she replied. So, I guess that includes a coat of polish then...........I didn't apologise for my outburst of sarcasm as by then I was somewhat p!ssed off
I have more than one or twenty other little gems involving insurance companies and brokers, but .....
perhaps I should vent my contempt over on the G'Station.
Cheers.... Driftwood
As I said though, insurance on my Jeep can be arranged
with a willing insurance company, and accepting the full no claims bonus that I have, although the NCB certificate is with the insurers of my 1st vehicle.
I think it would probably be best if you speak to your Insurance Broker/Company.....bearing in mind what info you've gleamed from these postings, BUT also taking into account that different insurance companies and brokers seem to have different rules, guidelines and ways of doing things.
It wasn't so long ago I was told by one rather well known insurance company that I could make three modifications to my car. That included adding a stereo, lowering, ally wheels. However, if I was to replace the engine (as I intended to do as it was worse the wear due to high mileage) then this would make my policy 'invalid'
In this case this particular company didn't quote me happy.
I did ask the young lady on the end of the phone, what she classed as a 'modification'....anything that's been put on the car that wasn't there when it left the factory....she replied. So, I guess that includes a coat of polish then...........I didn't apologise for my outburst of sarcasm as by then I was somewhat p!ssed off
I have more than one or twenty other little gems involving insurance companies and brokers, but .....
perhaps I should vent my contempt over on the G'Station.
Cheers.... Driftwood
Club.Ed.Tonka said:
As I undertsand it the rate is set , there is no NCB applied , as it is a specific kit car policy , the only differences to the premium being affected by location , driver's age , history , mileage etc, hence the similar figures quoted
When I took out mine in November the only stipulation was that you have a "normal" car so it is not your sole vehicle.
Nicely put Mark....why couldn't I have summed it up so eliquently?????????
regards....TSSotSW lol
As mentioned above, some points of insurance are so ludicrous they're... well laughable. Any modifications to the vehicle after it left the factory can void a policy - what a get out clause for insurance companies! Nearly everyone at some time or another has added or modified there vehicle at some point... fitting an ammeter, clock, spotlights, reversing lights, cigarette lighter, custom steering wheel, new stereo, etc, etc. It would be a joke to be informing our insurance companies of every little add-on/mod, and for what... so they can find an extra charge for us to pay.
No, thank you. You can just be too honest for your own good sometimes. My motto: "What they don't know won't hurt my pocket!"
No, thank you. You can just be too honest for your own good sometimes. My motto: "What they don't know won't hurt my pocket!"
Hi Scamp, I'm not talking about driving around in a V8 when it says 1100cc on the registration document! I'll be driving a Samuri I bought for £500, it wouldn't owe me much if it was written off, so I'd be hard pushed to justify paying a £250 insurance premium.
Just the petty things that in reality make no difference to the roadworthiness of the vehicle. For example, I know that many insurance companies up your quote if you fit a much safer, much more environmentally friendly LPG system... on what grounds?
I remember in the 70's when a friend of mine was told that he would invalidate his policy if he put pinstripes and a rear spoiler on his car! It just gets daft!
I'll bet there are some insurance companies that would up your premium if you told them that you were fitting a roofrack for your holiday!
At the end of the day its a business and they're out to make as much money from you as they can. They will always look for a get out clause whatever, and likewise always look to increase your premuim. All I'm saying is why give them more ammunition to rip you off.
Just finally, one thing that has always annoyed me is the fact that you can be driving for 20 years without an accident and then lose all you no claims for a minor bump - why not just a years NCB. Tell me that isn't a rip-off!
Just the petty things that in reality make no difference to the roadworthiness of the vehicle. For example, I know that many insurance companies up your quote if you fit a much safer, much more environmentally friendly LPG system... on what grounds?
I remember in the 70's when a friend of mine was told that he would invalidate his policy if he put pinstripes and a rear spoiler on his car! It just gets daft!
I'll bet there are some insurance companies that would up your premium if you told them that you were fitting a roofrack for your holiday!
At the end of the day its a business and they're out to make as much money from you as they can. They will always look for a get out clause whatever, and likewise always look to increase your premuim. All I'm saying is why give them more ammunition to rip you off.
Just finally, one thing that has always annoyed me is the fact that you can be driving for 20 years without an accident and then lose all you no claims for a minor bump - why not just a years NCB. Tell me that isn't a rip-off!
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