Insurance for D4 4.2....
 

Only had my D4 4.2tdi since mid November.
My insurance is due on 20 Jan. I do have multi car insurance with admiral and last year, for a D3 4.2tdi and a BMW 645, they were very competitive!
Now, I'm struggling to insure this D4 for less than £500! I'm 50 yrs old FGS!
I've shopped away from admiral and looked at comparison sites and £430, with a high excess, seems to be the best I can get.
I have no convictions, points, etc.
Has anyone else experienced this 'hike' in price from a D3 to D4?
Why is there such a jump - both have the same engine and roughly the same construction?

Massive hike on my S5 (2011) to over £450. I’m 46 and live in a good postcode

Got to renew both cars around the same time as you. Currently with LV multicar after moving from Admiral following a non-fault claim on the S5 (which didn’t alter premium much when renewed last year)

I think the issue is more to do with the rebuild costs of newer models, headlights at over a grand each, loads of electronics behind the bumper and grill, etc.

Yes, the rebuild costs on newer, highly technical cars is an insurance issue.

Plus I wouldn't be surprised if all the driving aids newer cars have on them make us worse, less alert drivers

I suspect there's an age profile (for the car) issue that's kicking in, in terms of the value of the car as a commodity, and the cost of replacement parts, which makes a write-off more likely than a repair. Also as cars get cheaper, there 'may' be a tendency for them to be driven by people who take less care to avoid minor knocks

I suspect for our S5 they're dropping into sub-£10k territory as a reasonably rapid/affordable family wagon, plus with age on the vehicle the insurance industry will claim that the profile for claims for that vehicle are now better understood (based on claims history), so increases are justified.

Will see how I manage to get on +++ as an aside, our 2015 Golf GTI is still sub-£250 and hasn't ramped up, which does suggest the car is the issue when it comes to the Audi.....

Interesting as my S8 just gets cheaper and cheaper to insure, maybe entering "cherished" territory?
The Volvo on the other hand they keep trying to charge more for, yet it has way more driver/safety aids. :Confused:

Has anyone ever managed to get "cherished" insurance for there D2 as yet? It would be really useful at the moment to be able to get Agreed valuation insurance.

S8 might just squeeze into Classic insurance this year as 20 years old seems to be the starting point. For it to qualify for Classic insurance you must have another car as your main vehicle and you'll have a limited mileage (negotiable at time of insuring)

I recently enquired about Classic insurance on a 1995 BMW 525 and my usual Classic insurance broker couldn't do it yet another broker quoted me on 1999 BMW 740 on a Classic policy.

Worth making a few phone calls to ask what's available

Yeah same as! I sold the d3 4.2tdi and now have the D4 3.0tdi and Admiral have quoted me silly money. I just stayed with them till Feb 20 as my renewal will be then. Will have to shop around:(

You'll be pleased to hear that we've started working on securing some deals and contacts for group owners and the first has now been sorted - to get additional discount via the well known brokers Adrian Flux +++

We hope that this helps at least a few of us! +++

Here are the details:
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Adrian Flux Insurance Services are pleased to announce their association with A8 & S8 UK Owners Group and all those who support the business.

We are able to offer up to 15% discount on policies for group members and welcome owners of all performance cars, modified vehicles, LHD Imports, Motorhomes, young drivers and convicted drivers.

Why choose Adrian Flux Insurance Services?
For the past 40 years Adrian Flux Insurance Services has developed into the country's leading agent for Specialist Motor Insurance, providing services dedicated to the specific needs of our clients. This enables us to offer all drivers' competitive premiums and excellent service coupled with special discounted rates for car club members.

Our ‘specialist’ schemes enable us to provide very competitive premiums and added benefits such as free legal cover and breakdown cover at only £59 for Homestart, and European cover.

Call this number today on Freephone: 0808 100 1336 and mention ‘A8 & S8 UK Owners Group’

or visit the Flux website:
https://www.adrianflux.co.uk/Audi/
Where again you need to mention "A8 & S8 UK Owners Group" when you enquire and the additional discount will then be applied.

(Our Account is managed by Harry Spilman)
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I have my S8 insured on a "Modern Classic" policy with Classic Line Insurance:

https://www.classiclineinsurance.co....car-insurance/

Although not particularly cheap, they were by far the cheapest policy for someone who didn't use their D2 for everyday use.

Of course this doesn't help those trying to insure a D4 but since D2's were mentioned above I thought I would just add my small amount of knowledge.

Was Adrian Flux who quoted me on the BMWs

1999 740 was £176
1996 728 was £152

That's great!
I'll give them a bell ........soon......as I've only got 2 weeks left to shop around.
Thanks

Dont forget to mention A8/S8 UK Owners Group and refer to Harry Spilman as the contact point and they should sort you out! +++

I'm with Admiral and have a D4 4.2tdi. Renewal quote last two years has been poor, both times I've phoned to cancel and both times they have improved on the best quote I've been able to find. This year quote went down from £600+ to £450. Best price I'd found was £515, which I told him at the outset and he said he'd beat it. No changes in Policy apart from another years no claims.....seems to be a game.

Result!

I did call Adrian flux.................quote with A8 owners club ref was £503!

Returned to Admiral, after almost an hour on the phone (a bit of juggling no claims and removing a BMW 645) ...
Got the D4 4.2TDI down to £273 (was £507 at renewal) with £250 comp and £250 vol excess.
The D3 4.2 TDI down to £216 (was £266 at renewal), £250 comp and £100 vol excess.
Wifey's A6 Allroad down from £240 to £192.

Happy days!

I just got a quote from classiclineinsurance.co.uk on a limited millage, agreed valuation policy for my 2002 S8. They said they could class it as a "future classic". It came in at £400 for the year which is almost identical to my renewal quote with Admiral. The Admiral policy has no such millage restrictions.

The attractive quality of this policy for me was the agreed valuation part. That was until I read the documents they sent me.

Any opinions on the statement bellow which is cut and paste from there proposal would be much appreciated. It looks to me like they'll pay market value only, just like any other standard policy. The only advantage I can see is that you get to agree that market value up front. It also appears (but I have to confirm this) that you need to purchase the insurance policy first and then go through the agreed valuation process for an extra £24. If they decline your valuation and go with there own, you will be stuck with the policy anyhow.

There policy wording------

Please be realistic with your valuation. The figure that we agree will be the current market value of the vehicle and
unfortunately cannot take into account the cost of restoration or any sentimental value. If you have recently purchased
the vehicle, the purchase price will be the agreed value. Though it is human nature to over-value our possessions, we hope
that you will provide a fair assessment of the value which will then be compared to current market publications to ensure
accuracy and fairness.

Is this not just like a normal policy, market value only without any consideration for how much you have invested in the vehicle?

Frank

Sounds like BS to me.

Agreed value policies I've encountered before specifically do take restoration & modification value in to account and you agree the value up front which is what they will pay out. That wording looks like the usual dismal 'market value' figure which is usually a fraction of what a like for like replacement would cost.

I have a policy with them for my D2 S8.
My quote was £309 which was less than any other insurer.
The mileage limit I set was 3000 miles and I set my agreed value at £10,000

I recall that the fee for the valuation was waived and when I sent them the necessary valuation form with supporting evidence there wasn't any quibbling. None at all. It was accepted very quickly.
The market value basis is only applicable until a valuation is agreed. After that you should be set to go.

"Thank you for choosing to use Classicline ́s agreed valuation service, we acknowledge your payment of £0. Please complete and return the attached vehicle valuation form and please follow the instructions set out on the vehicle valuation form. Please note, until we have received a completed valuation form along with the required photographs and you have been sent your Agreed Value certificate, the vehicle will be covered on a market value basis only."

The receipt for yours would be sufficient evidence though based on their wording.

I doubt they would accept a similar value for mine despite the full restoration, brand new engine, custom interior etc. The insurance 'market value' of mine is not going to be anywhere near what it would cost to replace it.

An update

I have gone with a limited millage (3000mls), agreed valuation policy with Lancaster insurance. I am still sceptical about the agreed valuation part of this as they also say they cannot start the process until you purchase the main policy. The only reason I was willing to give it a try is because they beat my current providers quote (Admiral) by £60, have a lower excess and have waved the fee for the valuation. The millage restriction is no big deal for me as I do much less than this anyhow.

I have close to £9000 invested in this car but I will keep my valuation to a more realistic £6000. I honestly don't expect they will even go for that given that these are selling for less than £3000 at the moment, if you want to buy a higher millage one with all the usual issues.

The policy doesn't kick in until the beginning of next month so i'll keep you all informed on how the valuation goes.

On another note. It's absolutely no surprise many car owners just simply stick with there current providers at renewal time and accept inflated premiums because of it. I am fed up with this already and have my other car to sort out yet.

Frank

Quick and brief update, cos insurance is boring. Just incase anyone is interested in persuing an agreed valuation policy.

Lancaster agreed my valuation of £6000. Got my certificate yesterday, valid for 2 years.

Not sure if a third parties insurance company would recognise it if they were to write my car off. Hopefully I'll never have to find out.