Crazy Insurance Companies
Discussion
Sometimes I wonder whether insurance companies ask all the boring questions only to make up an answer on the spot when it comes to a price!!!
I'm 24 with 5 years ncb and no penalty points and I've been think about Elise ownership.
S1 = £1158
Sport 135 = £1162
111S = £1134
Has the world gone mad or is it just me? All other details were the same it was only the vehicle type that changed.
Matt
I'm 24 with 5 years ncb and no penalty points and I've been think about Elise ownership.
S1 = £1158
Sport 135 = £1162
111S = £1134
Has the world gone mad or is it just me? All other details were the same it was only the vehicle type that changed.
Matt
That's interesting, I thought I'd done well getting from original quotes of £1900+ down to about £1000.
What kind of use are you insured for? I'm getting quotes for driving 25,000 miles a year, social domestic and pleasure, commuting to a single place of work and 3,000 business miles.
Cheers
Matt
What kind of use are you insured for? I'm getting quotes for driving 25,000 miles a year, social domestic and pleasure, commuting to a single place of work and 3,000 business miles.
Cheers
Matt
I use the Elise as a weekend car, so have limited mileage at 3000 miles. I also live in a good post code which helps out. Only down side is I need to run another car to get classic insurance on the Elise.
If you have room I would recommend running the Elise as a second car. My work hack is a Mercedes 300ce costs me £500 on 10000 miles policy. Which I can leave any ware and not worry about. The Elise is just for fun and tinkering about with. Don't get me wrong the Elise makes a fine every day car. But the way I'm doing it, is costing nearly the same amount of money as just having a the Elise as an only car. The Elise feels even better after having to drive the old tank for the week.
If you have room I would recommend running the Elise as a second car. My work hack is a Mercedes 300ce costs me £500 on 10000 miles policy. Which I can leave any ware and not worry about. The Elise is just for fun and tinkering about with. Don't get me wrong the Elise makes a fine every day car. But the way I'm doing it, is costing nearly the same amount of money as just having a the Elise as an only car. The Elise feels even better after having to drive the old tank for the week.
Edited by TVR Tommy on Thursday 14th August 16:35
TVR Tommy said:
I've got my Sport 160 insured as a classic with Hagerty for £280 and I'm 24. So those quotes are way over the top. I insure both of my cars for much less than that.
Tommy, i am due for renewal on my Sport 160 and someone mentioned Hagerty to me last night. Coupe of questions:Did you phone them direct, or brooker?
Cover you to drive other vehicles 3rd party?
Track Day cover?
Earn a no claims bonus?
Cheers
D
I already have a second car - Golf Mk1 GTI
and a third one - Classic Mini (in build stages at the moment)
The Mrs will chop my balls off if I were to tell her I was getting a fourth. I'm already under strict orders to get rid of one when I get the Elise. To be honest that's what I want it for. I spend two hours a day in the car and it's the most boring part of my life. It'll be less boring in an Elise even if it is a bit less comfy.
I'll have a look at those other insurance companies thanks everyone
and a third one - Classic Mini (in build stages at the moment)
The Mrs will chop my balls off if I were to tell her I was getting a fourth. I'm already under strict orders to get rid of one when I get the Elise. To be honest that's what I want it for. I spend two hours a day in the car and it's the most boring part of my life. It'll be less boring in an Elise even if it is a bit less comfy.
I'll have a look at those other insurance companies thanks everyone
D
I phoned Hagerty direct on 08700420940.
I think they will cover you for any other car they insure. So the other car has to be insured with Hagerty
Track day cover: No idea
I don't think you earn no claims on a classic policy as they don't take them into account. But they do ask if you've had an claims made against you in the last five years.
The best people to speak to are them. They're nice enough on the phone and answer all your questions. But I've not had to make any claims with them, so no idea what they are like then
I phoned Hagerty direct on 08700420940.
I think they will cover you for any other car they insure. So the other car has to be insured with Hagerty
Track day cover: No idea
I don't think you earn no claims on a classic policy as they don't take them into account. But they do ask if you've had an claims made against you in the last five years.
The best people to speak to are them. They're nice enough on the phone and answer all your questions. But I've not had to make any claims with them, so no idea what they are like then
mattgardiner said:
Maybe it's the curse of living in Liverpool for me.
If the Conservatives are to be listened to I should be packing my bags and moving to Oxford or Cambridge instead.
.......Yeah right
im in the same part of the world as you and aged 36. Mine is over £1k (ESure) as well although next year im going with CCI who have quoted me £800.If the Conservatives are to be listened to I should be packing my bags and moving to Oxford or Cambridge instead.
.......Yeah right
TVR Tommy said:
D
I phoned Hagerty direct on 08700420940.
I think they will cover you for any other car they insure. So the other car has to be insured with Hagerty
Track day cover: No idea
I don't think you earn no claims on a classic policy as they don't take them into account. But they do ask if you've had an claims made against you in the last five years.
The best people to speak to are them. They're nice enough on the phone and answer all your questions. But I've not had to make any claims with them, so no idea what they are like then
Thanks Tommy, will give them a call in the morning.I phoned Hagerty direct on 08700420940.
I think they will cover you for any other car they insure. So the other car has to be insured with Hagerty
Track day cover: No idea
I don't think you earn no claims on a classic policy as they don't take them into account. But they do ask if you've had an claims made against you in the last five years.
The best people to speak to are them. They're nice enough on the phone and answer all your questions. But I've not had to make any claims with them, so no idea what they are like then
D
TVR Tommy said:
I've got my Sport 160 insured as a classic with Hagerty for £280 and I'm 24. So those quotes are way over the top. I insure both of my cars for much less than that.
Holy Sh*t !! thats better than mine. Thought mine was good at £420 for a sport 160 at 27 with 3 points.. And mines on a limited millage policy...You're being hammered because of the policy spec you're asking for. Hardly anyone does that mileage in an Elise, most only have SDP coverage and a limited mile policy. Why insure it for all that crap when it's your 4th car? Just whack it on a modern classic policy, SDP only, no commuting and 5k miles per year. Should be possible to get it well under a grand if you park off road, even better if you can garage it.
Well i just called Charlie at Hagerty and he was very helpful.
£336 fully comp, £100 excess for agreed value and 5,000 miles a year. Did not mentioned my age, just that i was over 25, did not mention other bits, just that it was garaged.
Was on a classi policy but i want to build up my no claims.
Not a bad quote though.
D
£336 fully comp, £100 excess for agreed value and 5,000 miles a year. Did not mentioned my age, just that i was over 25, did not mention other bits, just that it was garaged.
Was on a classi policy but i want to build up my no claims.
Not a bad quote though.
D
Doesn't sound too high to me. I'm currently 24, Elise S2, 2 years no claims, 5000miles year, brighton area for around £1100 with elephant. When I first bought my Elise I was 23 and the first quote I could get was for just under £10,000; nearly died! Most people were around £2500 but I settled on £1250 (again with Elephant).
DamienCBR said:
Well i just called Charlie at Hagerty and he was very helpful.
£336 fully comp, £100 excess for agreed value and 5,000 miles a year. Did not mentioned my age, just that i was over 25, did not mention other bits, just that it was garaged.
Was on a classi policy but i want to build up my no claims.
Not a bad quote though.
D
That, and the price TVR Tommy is paying, sound very good indeed to me.£336 fully comp, £100 excess for agreed value and 5,000 miles a year. Did not mentioned my age, just that i was over 25, did not mention other bits, just that it was garaged.
Was on a classi policy but i want to build up my no claims.
Not a bad quote though.
D
Duly noted for when my cover is up for renewal.
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