S2 Exige Insurance - Specialist or mainstream?

[Gad-Westy]

Been trying to arrange insurance for the imminent arrival of an S2 Exige. It's a second car for me. A toy basically. In the past for stuff like this, I've always used specialist insurers, limited mileage policies etc and it's always been cost effective and generally a better experience. However, so far, the quotes I'm getting back at present are coming in at near double what I'm being quoted from some the likes of Admiral/Esure etc. In the face of that, is there any point me even considering the specialists? No track cover and no agreed value on any of the policies for what it's worth. Only mod is an exhaust.

[Gad-Westy]

Cheers. I've been through all the suggestions and many more.
Reis kept coming up as a good option but they were nowhere for me. Nearly £900 and they refused to cover my wife despite her spending plenty of time driving my old Elise.
Cheapest Specialist option was Classic line at £600 ish.

Direct Line are under £300...

I'm a bit gobsmacked by all this to be quite honest.

I'll try the specialists again next yer but this time around it's been a frustration.

[Gad-Westy]

Thread resurrection time. When I first created this thread, the Exige was brand new to me and in fairness some of the insurers that I spoke to had said they were often uncompetitive on cars that had just been acquired. But now heading into my fourth year of ownership, once again I was quite keen to go down the route of specialist insurance, mainly for an agreed value policy. And unfortunately, I'm again finding that the specialist insurers are miles more expensive than mainstream options. I'm basically looking at £250 (wtih LV but others are close too) vs £900+ with the three specialists I've had quotes from so far. I'm going to try a few more but I sometimes feel like I'm doing something wrong with specialist/classic car insurance. I see people post on forums about how they're insured for buttons through specialist policies and with some nice perks for doing so. But not this guy!

[Gad-Westy]

gareth h said:

Gad-Westy said:

Thread resurrection time. When I first created this thread, the Exige was brand new to me and in fairness some of the insurers that I spoke to had said they were often uncompetitive on cars that had just been acquired. But now heading into my fourth year of ownership, once again I was quite keen to go down the route of specialist insurance, mainly for an agreed value policy. And unfortunately, I'm again finding that the specialist insurers are miles more expensive than mainstream options. I'm basically looking at £250 (wtih LV but others are close too) vs £900+ with the three specialists I've had quotes from so far. I'm going to try a few more but I sometimes feel like I'm doing something wrong with specialist/classic car insurance. I see people post on forums about how they're insured for buttons through specialist policies and with some nice perks for doing so. But not this guy!

The specialists I’ve spoken to seem to restrict mileage to 3-4000, if you can live with that the cost can be quite good, I couldn’t which was why I ended up with LV, although their customer service isn’t what it was.

I've been setting mileage at 3000 pa. There must be some reason why they don't like me but I have no idea what!

[Gad-Westy]

Thanks again folks. I did look down the multi-car route. Admiral are okay on price on the Lotus but not any other car I own. LV give an excellent multicar price on the lotus but telephone numbers on my other car. I did try NFU on the back of various suggestions on here and elsewhere but their price was pretty high for the Lotus and off the scale for other cars. It's a bit of a shame actually as I'd have quite happily paid a bit of a premium to bring all these policies into one place as I hate this annual faff across three separate policies.

I think I'll end up going with LV for the Lotus only but have a couple of weeks to decided.

Just on this multi car thing, the cheapest quote I had to insure all three of our cars on an MC policy was with LV at about £1500 per year. Shopping around for each policy instead bring it in at Just under £800. Is this the norm or do I just not quite fit the optimum configuration for a multicar policy?