Car Insurance ( Again)

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Iceicebaby
Posts: 103
Joined: Fri Jan 05, 2024 11:44 pm
Location: Fife

Post by Iceicebaby »

Col Lamb wrote: Sat Feb 10, 2024 11:31 am My renewal with NFU arrived today, £650.

Looked at Aviva, £850 with more excess, no curtesy car, no breakdown cover and no legal aid,
I will not be going with them.

Spent 1/2 hour on other websites including the comparison ones and none come close to NFU, guess I’m sticking with them.
Try General Accident, an online arm of the Aviva group. I know there are a lot of variables involved with car insurance but I got quoted under £500 for a Macan GTS and I’ve got 3 points.

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SAC1
Posts: 3956
Joined: Wed May 24, 2017 8:24 pm
Location: near BATH

Post by SAC1 »

Col Lamb wrote: Sat Feb 10, 2024 5:25 pm
SAC1 wrote: Sat Feb 10, 2024 4:51 pm
Wing Commander wrote: Sat Feb 10, 2024 2:20 pm

Aren’t they quite picky, preferring ‘rural’ postcodes? 🤔
Not in my case. I live in a rural area and NFU are consistantly the highest price premium for car and house insurance. :o

Insurance is a total lottery. All you can do is compare as many as possible. Making sure the cover required and Excess are consistant with your needs and then choosing a recognised company. LV and Axa usually the best VFM in my case. ;)
I worked for AXA as a Contractor for three years, they were the worst company ever to deal with.

I vowed never ever to buy any of their products, they used to underwrite the AA Insurance out of the second floor of the Darlington office so I always try to check who is who with the “unknown” internet Insurance Companies.
Wikipedia states for NFU ...

'The business reported losses of £1.04 billion for 2022. Commenting on the loss, finance director, Richard Morley, said, "a combination of factors affected our investment and General Insurance result in 2022 and these led to the Group reporting an overall loss".
Steve

2020 GTS in Sapphire Blue
(sold) 2017 SD in Rhodium Silver
rhinoman
Posts: 34
Joined: Tue Jan 14, 2020 8:50 pm

Post by rhinoman »

NFU refused to quote my Macan as I didn't already have a policy with them. After lots of looking, I ended up with Admiral, started at £1386 which was around the same as Classicline that had it currently and the 911. But discounted by Admiral with multicar to around £1080 by adding my T6 van to it. That included Euro use and breakdown the same as Clasicline, a hefty lump though compared to my 997.2 that's under £400 a year with the same named drivers.
2015 Macan SD
2010 997.2 4S

Gone: 1998 996 3.4 Cab, 1999 986 Boxster 2.7
DJMCUK
Posts: 608
Joined: Sun Oct 22, 2023 2:00 pm

Post by DJMCUK »

rhinoman wrote: Sun Feb 11, 2024 10:09 am NFU refused to quote my Macan as I didn't already have a policy with them. After lots of looking, I ended up with Admiral, started at £1386 which was around the same as Classicline that had it currently and the 911. But discounted by Admiral with multicar to around £1080 by adding my T6 van to it. That included Euro use and breakdown the same as Clasicline, a hefty lump though compared to my 997.2 that's under £400 a year with the same named drivers.
Apart from the drivers, is everything else the same with the 997.2, e.g. annual mileage, where parked, replacement cost, etc...
rhinoman
Posts: 34
Joined: Tue Jan 14, 2020 8:50 pm

Post by rhinoman »

DJMCUK wrote: Sun Feb 11, 2024 1:32 pm
rhinoman wrote: Sun Feb 11, 2024 10:09 am NFU refused to quote my Macan as I didn't already have a policy with them. After lots of looking, I ended up with Admiral, started at £1386 which was around the same as Classicline that had it currently and the 911. But discounted by Admiral with multicar to around £1080 by adding my T6 van to it. That included Euro use and breakdown the same as Clasicline, a hefty lump though compared to my 997.2 that's under £400 a year with the same named drivers.
Apart from the drivers, is everything else the same with the 997.2, e.g. annual mileage, where parked, replacement cost, etc...
Yeah not directly comparable as mileage is different, 12k for Macan, 5k for the 911 but both kept on the drive, 911 is worth around £6k more than the Macan though and owned it for 7 years, where the Macan we only got last July but I still wouldn't expect that amount of difference. The Macan is £500 more than the Q7 it replaced but that's likely just the increase in premiums in general.
2015 Macan SD
2010 997.2 4S

Gone: 1998 996 3.4 Cab, 1999 986 Boxster 2.7
SanPorMGTS
Posts: 228
Joined: Sun Jun 05, 2022 10:06 am

Post by SanPorMGTS »

rhinoman wrote: Sun Feb 11, 2024 2:55 pm
DJMCUK wrote: Sun Feb 11, 2024 1:32 pm
rhinoman wrote: Sun Feb 11, 2024 10:09 am NFU refused to quote my Macan as I didn't already have a policy with them. After lots of looking, I ended up with Admiral, started at £1386 which was around the same as Classicline that had it currently and the 911. But discounted by Admiral with multicar to around £1080 by adding my T6 van to it. That included Euro use and breakdown the same as Clasicline, a hefty lump though compared to my 997.2 that's under £400 a year with the same named drivers.
Apart from the drivers, is everything else the same with the 997.2, e.g. annual mileage, where parked, replacement cost, etc...
Yeah not directly comparable as mileage is different, 12k for Macan, 5k for the 911 but both kept on the drive, 911 is worth around £6k more than the Macan though and owned it for 7 years, where the Macan we only got last July but I still wouldn't expect that amount of difference. The Macan is £500 more than the Q7 it replaced but that's likely just the increase in premiums in general.
Is your Macan a 23 or 15? Admiral wouldn’t cover my Macan this year because of the value, and it’s a Jan 72. I’d rather have stayed with them, they are easy to deal with :(
rhinoman
Posts: 34
Joined: Tue Jan 14, 2020 8:50 pm

Post by rhinoman »

SanPorMGTS wrote: Sun Feb 11, 2024 4:52 pm
rhinoman wrote: Sun Feb 11, 2024 2:55 pm
DJMCUK wrote: Sun Feb 11, 2024 1:32 pm

Apart from the drivers, is everything else the same with the 997.2, e.g. annual mileage, where parked, replacement cost, etc...
Yeah not directly comparable as mileage is different, 12k for Macan, 5k for the 911 but both kept on the drive, 911 is worth around £6k more than the Macan though and owned it for 7 years, where the Macan we only got last July but I still wouldn't expect that amount of difference. The Macan is £500 more than the Q7 it replaced but that's likely just the increase in premiums in general.
Is your Macan a 23 or 15? Admiral wouldn’t cover my Macan this year because of the value, and it’s a Jan 72. I’d rather have stayed with them, they are easy to deal with :(
Mines a 2015 SD, bought in July for £29k with 41,000 miles and a Porsche history from Jardines.. Thats odd because Admiral do more expensive cars, a buddy has a 997.2 Turbo, that new Lotus and a few others on a multicar with them. The Lotus is `£70k and the 997.2 Turbo probably similar as its a rare low mileage manual.
2015 Macan SD
2010 997.2 4S

Gone: 1998 996 3.4 Cab, 1999 986 Boxster 2.7
User avatar
Col Lamb
Posts: 9652
Joined: Fri Oct 30, 2015 8:38 pm
Location: Lancashire

Post by Col Lamb »

Iceicebaby wrote: Sat Feb 10, 2024 5:45 pm
Col Lamb wrote: Sat Feb 10, 2024 11:31 am My renewal with NFU arrived today, £650.

Looked at Aviva, £850 with more excess, no curtesy car, no breakdown cover and no legal aid,
I will not be going with them.

Spent 1/2 hour on other websites including the comparison ones and none come close to NFU, guess I’m sticking with them.
Try General Accident, an online arm of the Aviva group. I know there are a lot of variables involved with car insurance but I got quoted under £500 for a Macan GTS and I’ve got 3 points.
General Accident quoted £780
Col
Macan Turbo
Air, 20” wheels, ACC, Pano, SurCam, 14w, LEDs, PS+, Int Light Pack, Heated seats and Steering, spare wheel, SC, Privacy glass, PDK gear, SD mirrors, Met Black, rear airbags
SanPorMGTS
Posts: 228
Joined: Sun Jun 05, 2022 10:06 am

Post by SanPorMGTS »

rhinoman wrote: Sun Feb 11, 2024 4:57 pm
SanPorMGTS wrote: Sun Feb 11, 2024 4:52 pm
rhinoman wrote: Sun Feb 11, 2024 2:55 pm

Yeah not directly comparable as mileage is different, 12k for Macan, 5k for the 911 but both kept on the drive, 911 is worth around £6k more than the Macan though and owned it for 7 years, where the Macan we only got last July but I still wouldn't expect that amount of difference. The Macan is £500 more than the Q7 it replaced but that's likely just the increase in premiums in general.
Is your Macan a 23 or 15? Admiral wouldn’t cover my Macan this year because of the value, and it’s a Jan 72. I’d rather have stayed with them, they are easy to deal with :(
Mines a 2015 SD, bought in July for £29k with 41,000 miles and a Porsche history from Jardines.. Thats odd because Admiral do more expensive cars, a buddy has a 997.2 Turbo, that new Lotus and a few others on a multicar with them. The Lotus is `£70k and the 997.2 Turbo probably similar as its a rare low mileage manual.
I gave them a value of £74k, they had originally refused based on 78k, but they wouldn’t take 74k either.

It’s really scuppered me, because I’m meant to be getting new GTS, and that is going to be 83k or so. Not sure anyone will want to insure that. I’ll research again when more time. Although someone said to me I can put a lower value down, and the difference between that value and what it’s actually worth, then just becomes my liability. I’d be fine with lowering the value on that basis, if it wasn’t deemed a bad thing to do etc..
rhinoman
Posts: 34
Joined: Tue Jan 14, 2020 8:50 pm

Post by rhinoman »

SanPorMGTS wrote: Mon Feb 12, 2024 6:49 pm
rhinoman wrote: Sun Feb 11, 2024 4:57 pm
SanPorMGTS wrote: Sun Feb 11, 2024 4:52 pm

Is your Macan a 23 or 15? Admiral wouldn’t cover my Macan this year because of the value, and it’s a Jan 72. I’d rather have stayed with them, they are easy to deal with :(
Mines a 2015 SD, bought in July for £29k with 41,000 miles and a Porsche history from Jardines.. Thats odd because Admiral do more expensive cars, a buddy has a 997.2 Turbo, that new Lotus and a few others on a multicar with them. The Lotus is `£70k and the 997.2 Turbo probably similar as its a rare low mileage manual.
I gave them a value of £74k, they had originally refused based on 78k, but they wouldn’t take 74k either.

It’s really scuppered me, because I’m meant to be getting new GTS, and that is going to be 83k or so. Not sure anyone will want to insure that. I’ll research again when more time. Although someone said to me I can put a lower value down, and the difference between that value and what it’s actually worth, then just becomes my liability. I’d be fine with lowering the value on that basis, if it wasn’t deemed a bad thing to do etc..
How does it work with gap insurance and the valuation you give the vehicle insurer I wonder...
2015 Macan SD
2010 997.2 4S

Gone: 1998 996 3.4 Cab, 1999 986 Boxster 2.7
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