D2 insurance renewal time

[H-M3]

I think insurance need to be regulated more! It’s unbelievable the difference between sister companies. I have max discount and ended up paying 20% more this year. Please do not be fooled by the multi car rubbish as sometimes it works out cheaper to do it individually. We had several cars with Admiral but went up by massive this year so had to break it all up. Esure came out decent this year. Another thing I don’t understand is the companies adding all these additional gimmicks like legal cover, You would think that with FC cover you should have that as standard, but no they say in case it’s a fault accident Also last year one of our parked car had been hit by a drunk driver, he damaged 4 cars, police caught up and the company took all liability but guess what our premium went up stating that it does not matter non fault, WTF. Also now if you claim windscreen then it becomes a actual claim. Jokes! Sorry that’s my rant

[Simonbartlett]

My renewal came in from admiral for wife’s and daughters car £1500. I did all the usual comparison quotes and got it down to £1000, I then phoned up to cancel twice due to my wife and daughter needing to speak on the phone. On both cancellation calls they said they would look at the quote, second time I said don’t bother your mate tried and was miles off. Anyway she was a lovely sounding Canadian girl so I gave her a couple of minutes and she came back with £883 for my wife’s 2.0 TDi a3 and my daughter 1.6 TDi Fabia who is only just 18 !

If they can offer 600 discount how much are they making ?

[Davey Blueeyes]

I wonder if you could get a D2 on a classic policy? Most of the PF are over 20 years old now? If not, you should be able to!

I wonder whether we could get a 'club' scheme for these? I am sure a broker somewhere would be interested in something like this?

[briang9]

Originally Posted by Davey Blueeyes

I wonder if you could get a D2 on a classic policy? Most of the PF are over 20 years old now? If not, you should be able to!

I wonder whether we could get a 'club' scheme for these? I am sure a broker somewhere would be interested in something like this?

I got a decent deal on my RS6 via another forum where a broker offers bespoke deals to members over the phone rather than some computer generated stuff, they do seem to focus on "special" requirements though

[tintin]

Originally Posted by Davey Blueeyes

I wonder if you could get a D2 on a classic policy? Most of the PF are over 20 years old now? If not, you should be able to!
?

That's unlikely: I have one of my other older cars on a classic policy, and was told by the broker (who specialise in "modern classics") that the D2 wouldn't qualify - the renewal adviser even checked with their classic policies underwriter to see if they would change this policy for me, but they didn't.

[MikkiJayne]

You can with some companies. The Black FE I had in a while back is on a classic policy. The qualification is >15 years old and >£10K in value. The maintenance records were enough to convince them about the value apparently

I'm going to try it with mine next renewal, including agreed value. A new engine and rebuilt gearbox easily pushes it over £10K. Over £20K if you go with the list price!

[Adrian E]

I've had quotes for classic policies on my old FE, but the premium was at least double that of a regular policy with Admiral. I've found the same as previous poster about multi-car - insuring the S5 was much cheaper without using multi-car, and Admiral no longer seem keen to press you to try and align policies. When we bought the Golf it just went on a separate policy.

I almost moved to LV on the Golf in January, but they were a little more expensive but with a massively higher excess.

Speaking of windscreens, the Golf has cracked recently and I'm paying to have it replaced without going through the insurance. Will cost me about £300 rather than the £95 excess, but I want it done right and past experience with Admiral's preferred glass replacement company with our old A6 was not good.....

[Davey Blueeyes]

Originally Posted by MikkiJayne

You can with some companies. The Black FE I had in a while back is on a classic policy. The qualification is >15 years old and >£10K in value. The maintenance records were enough to convince them about the value apparently

I'm going to try it with mine next renewal, including agreed value. A new engine and rebuilt gearbox easily pushes it over £10K. Over £20K if you go with the list price!

Let us know how you get on MJ. I don't see why you couldn't have a D2 on a classic policy? I've had all manner of Jaguars, including a V12 XJS on a classic policy in the past and that was about 13 years old at the time?

[HPsauce]

Talking of value, what would you put on a policy as a reasonable value for my D2?

It has no accident damage, is well-maintained (though due a service soon - ideally down in Devon if MJ has a workshop slot available sometime) and has had the gearbox fluid/filter and cam belt etc. done during my ownership (maybe due again before long?)

Mileage, just over 100,000. (100333 to be precise)

Not an FE, built in April 2002 but not registered until October 2003 (weird) so had a 53 plate when I bought it.
Has 2 sets of 5 wheels (if it makes a difference), the OEM FL Avus 18's and FE 20's.

I'm waiting for my policy documents to arrive but if I look online they've assigned a nominal value of £1.00! The question wasn't asked of me.

[steamship]

Originally Posted by tintin

The whole sector is a sham, and ripe for the sort of mis-selling investigation that happened with PPI - there's no effective competition, no transparency and a range of pretty dubious anti-competitive practices across the board.

Originally Posted by H-M3

I think insurance need to be regulated more! It’s unbelievable the difference between sister companies.

Have to agree on both points, as I consider them all to a shower of (insert appropriate word)! As well as the points made by everyone so far, the one I can't tolerate, or comprehend is insuring multiple cars.

Take for example my D2. I've had it insured since I bought it with the same company. Always a competitive quote compared to others, and usually when you go to renew, they drop the price bit. Car is insured fully comp, protected NCD and driver only. Fast forward to the S8 and phoned for a quote, and based on previous history with the D2, got an even better price than the D2, and same conditions. Not going to argue with that.

Less than a month ago, I phone them up and ask for a quote. They look through the existing policies I have with them, including house insurance and give me another good competitive quote. Based on that, I go ahead with the purchase and arrange flights, ferries, etc. About a week later, I phone up to confirm the quote and to get the policy started. I'm then told that they can't quote me for the car. But they did the previous week! Ah, but they made a mistake. They didn't check thoroughly enough, and shouldn't have quoted me at all. In fact, they wouldn't even quote me for the car because of its insurance group. Needless to say, I'm getting a bit miffed at this having forked out for all manner of transport relating to it. After about 30 minutes of let's say discussion, and some manager intervention, they agreed to honour the quote.

This is the bit that gets to me about insuring multiple vehicles when I'm the only going to be driving them. Despite quoting lower annual mileages (split between them), I can't drive them at the same time, so why should the premiums still be so high. Each car will be on the road for less time, so theoretically less likely to be in an accident.

Oh, there was one other area, occupation. When I renewed the D2 insurance last year, I just happened to look through the policy document and noticed that my occupation was down as retired. Now when I took out my first insurance with them back in 2012, I said I was unemployed, but somewhere along the line it was changed. Since I was phoning to renew, I pointed out their mistake in my occupation, to which he said 'that will be an extra £70'. It seems that retired people are less prone to having accidents, and since I told them I was unemployed and not retired, I can't change that, as any policy I had after that would be void because of providing false information.

If I had my way, they would be occupying the same spot at the bottom of the sea set aside for all lawyers/solicitors. Even bigger rant than M-H3