Limited Mileage Insurance

[adam1330]

Due to all this nice weather we have been having, I've had to extend my limited mileage policy. I did have it for 4500 miles and the only option was to extend to 6000 miles. This has cost an extra £192, which was a lot more than I was expecting. I was wondering how much extra other people had been charged to extend their policies? Does what I have paid sound reasonable to you?

[rushdriver]

Adam

I extended mine from 3000 to 4000 and I think it cost about £50 including admin on my Dax.

How much do you pay per year for your total insurance?

Cheers

John

[adam1330]

I paid about £350 when I took it out, it runs out in March.

[kitcarman]

I’d say that adding 55% to your premium for a 33% increase in mileage is a bit steep.

Especially as the risk isn’t strictly proportional to the mileage, but more to how those miles are covered.

I reckon you’ve been a victim of rip off Britain.

I think that had you said 6,000 miles in the first place, the premium wouldn’t have been much over the £350 you paid in the first place.

Sorry to be negative.

Den

[rushdriver]

Ok, well I pay £190 fully comp for 3000 miles with legal cover etc etc on a value of £8000 (although I would never be able to sell it for that).

Who are you with currently, have you got a rather dented licence etc?

John

[adam1330]

I'm with Footman James. I'm 28, with a clean licence(at the moment!)and no claims. I had three points about 5 or 6 years ago but that's it. I was wondering whether it would be worth my while cancelling the insurance now and shopping elsewhere, rather than waiting until March when my renewal is due. I can remember at the time that I took out the insurance that the price jump from 4500 to 6000 miles was quite large, which was why I didn't go for the 6000 mile policy at that time. I must admit that I didn't bother shopping around at that time as I was already insured with Footman James when I had my Elan Plus 2, and it was easy to just extend the policy to my Westfield.


>> Edited by adam1330 on Monday 10th November 21:14

[kitcarman]

Adam,
You’re in a tough position, but your idea of cutting and running isn’t such a bad idea.

Let’s look at the two possibilities.

You pay £192 now for 3 or 4 months cover

Or

You look for a new insurance for the next 12 months at an unknown (at the moment) price.

I don’t know what a 28 year old, with a clean licence (spent convictions) and no accidents should be paying. However, from what I know and what John has said I reckon it should be about £192.

There’s a thread on here somewhere on which a kind sole wrote all the insurers (who advertise in Kit Car, naughty boy) telephone numbers.

I reckon an hour on the phone shall be well spent.

Den.

[Justin s]

Just dump the policy and start afresh.I will go back to Backford Bloor and co when my policy runs out.They use Ecliastical Ins and I had the mis-fortune of needing it a few years ago and they were spot on.I'm with Adrian Flux at the moment for my Westie,just because I sold my TVR and bought a Westie at short notice and they had my details.The bad point with them is that when I asked to spread paynents due to having to buy the car that month,was another £30 a month extra for admin.Backford previously charged a nominal fee.Can't find their number,but Kitcarman should know it.

[kitcarman]

Justin s said:

Can't find their number,but Kitcarman should know it.

Why won’t they buy my magazine

Docevi1 said:

Graham Skyes - 0870 444 6320 Osbourne & Sons (25+) - 0845 330 6001 Roadsure kits )23-65) - 0208 989 3339 Sivtern Direct - 0700 20 20 230 HIC (not 17 or 18) - 08451 212 212 Elite Insurance (Adrian Flux) - 0845 130 3400 Backford Kit & Classic - 0151 356 776 Footman James - 0121 561 4196 Kimberlin Insurance Services - 0116 244 8900 A.W. Marlow & Co - 01283 740 440 C.I.C - 01206 792 927 Gott & Wynee - 01492 870 991 Hill House Hammond - 01733 310 899 (quote kc) No need to buy KitCar Mag now - thats all of them from there! I presonally recommend Adrian Flux (Elite Insurance) as my brother-in-law recommended them to me, I rang them and the people were very helpful indeed!

Destined to be poor

Den

[adam1330]

Thanks for the help guys, I shall see what sort of quotes I get when I ring on my day off.

[rushdriver]

Adam

Sorry I should have said that I am with Adrian Flux and I find them fairly reasonable although I have never had to make a claim (touching wood). For what it's worth I am 27, clean licence (although had 7 points 5 years ago) and my car is garaged so you should be looking at about the same, maybe a bit more because yours is a Zetec.

John

[gafferjim]

I was with Adrian flux for 5 years with no problems at all (in fact I have my 4 x4 with them as well) but Roadsure came in at 30% less, with an extra 1000 miles as well, so I went with them.
I'll see if it was just a way of stealing business when my renewal comes up next year.

[adam1330]

Just got a quote from Roadsure, it would be £258 for 5000 miles or £284 for 7000 miles, which seemed like quite a good price. I thought that before I rang any more, I would make sure that my current insurers would refund me some money. They said that because I had less than 6 months to go on my policy then no refunds could be given, which I didn't mind too much, however, they wouldn't be able to refund the £190 that I paid on Monday to increase my mileage. I wish I had thought at the time that it seemed excessive, but I guess we learn from our mistakes. This does mean that they have lost me as a customer when my renewal is due. Thanks again for all your suggestions!

[kitcarman]

adam1330 said:

. . .they wouldn't be able to refund the £190 that I paid on Monday to increase my mileage.

I don’t think that’s so, legally speaking.

Might be worth contacting your local CAB.

Or simply stop the cheque. The boot’s on the other foot then.

Den

[adam1330]

Unfortunately I paid by Debit card, so it's too late to cancel. I've sent them a letter today, so we will see what comes of that.

[Simonelite501]

Much cheaper to remove the speedo cable from the most accessible end, when you are getting close to the stated mileage!

[Ex-Biker]

Simonelite501 said:

Much cheaper to remove the speedo cable from the most accessible end, when you are getting close to the stated mileage!

'em, I heard of someone that did that once.

I (I mean they) was in the forces at the time. A couple of us took a forces car on an overnight trip near Telford. Once we had dropped off the kit, we diconnected the speedo, my mate stayed with a girl in Wolverhampton and I went up to see stay with one in Chester (as you do).

All was going well until I got a parking ticket while in Chester (only 40 miles from where I should have been).



Panic calling of local authority was called for.

[Justin s]

Den,the only reason why I didnt have the number,cos I get more time to read your mags at work than when I get home to a screaming baby!!!

[kitcarman]

Justin s said:

Den,the only reason why I didnt have the number,cos I get more time to read your mags at work than when I get home to a screaming baby!!!

It wasn’t a problem. I was only jesting.

It was a pleasure to help Adam.

Den

[adam1330]

Just a quick update, after sending my insurers a letter, I have just recieved a refund of the extra money that I had paid as I requested. Although their prices might be a bit high, I can't fault my insurers customer service.