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Zingari
Donnington
Donnington


Joined: 25 Oct 2009
Posts: 11864
Location: Cheshire

1993 Porsche 964 Anniversary

PostPosted: Thu Aug 03, 2017 5:39 pm    Post subject: Reply with quote

rabbitstew wrote:
Ive been with Admiral for the last 5 years although each year they seem to get slightly dearer than I can get the same cover for elsewhere. But, I stayed with them out of a misguided sense of loyalty.

This last year however they were significantly more expensive than Hastings, so I moved to them for £400 a year fully comp.

Interestingly, Admiral were also 50% more expensive than Sheila`s Wheels for the wifes car this year, so we moved her car way from them also.


Hand Keep a note of your renewal for Admiral if it shows you have more than 10yrs NCB. Most other insurers only go up to 10 max whereas Admiral go to 15. However and despite the motor insurers database they will ask you to prove it if you ever go back to them from a policy that just shows 10yrs max.

Like a weapons grade bell-end I renew my insurance via a comparison site and despite me putting in the actual years I have NCD invariably the policy comes back with 10yrs which I hadn't clocked. Then when Admiral came out cheaper they would only give me a good will gesture of 1 extra years NCD (making 11) unless I could produce all my renewals for the last 5 years. Needless to say I couldn't PC
_________________
Me? The 13th Duke of Wybourne? Here? In a sixth form girl's dormitory? At three o'clock in the morning? With my reputation? What were they thinking of?
 
  
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taffybloke
Trainee


Joined: 12 Dec 2016
Posts: 62
Location: Black Mountains Brecon Beacons


PostPosted: Thu Aug 03, 2017 6:57 pm    Post subject: Reply with quote

I had my renewal notice a few weeks ago from Admiral, it was for £995 for 3 cars, the wifes Octavia, my Exeo and the 996, this was with 11, 13, and 1 years ncb yet their website lists the following as no claims allowances.


Table (i)
Average NCB Discount
Number of years NCB
for this policy
7% One year NCB
17% Two years NCB
22% Three years NCB
30% Four years NCB
30% Five years NCB
31% Six years NCB
33% Seven years NCB
36% Eight years NCB
40% Nine years or more NCB

I contacted Aviva and they quoted £595.

My Camper is with Adria Flux £213.

Mike.
 
  
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rabbitstew
Nürburgring


Joined: 21 Aug 2015
Posts: 460



PostPosted: Tue Nov 07, 2017 11:26 am    Post subject: Reply with quote

Zingari wrote:
rabbitstew wrote:
Ive been with Admiral for the last 5 years although each year they seem to get slightly dearer than I can get the same cover for elsewhere. But, I stayed with them out of a misguided sense of loyalty.

This last year however they were significantly more expensive than Hastings, so I moved to them for £400 a year fully comp.

Interestingly, Admiral were also 50% more expensive than Sheila`s Wheels for the wifes car this year, so we moved her car way from them also.


Hand Keep a note of your renewal for Admiral if it shows you have more than 10yrs NCB. Most other insurers only go up to 10 max whereas Admiral go to 15. However and despite the motor insurers database they will ask you to prove it if you ever go back to them from a policy that just shows 10yrs max.

Like a weapons grade bell-end I renew my insurance via a comparison site and despite me putting in the actual years I have NCD invariably the policy comes back with 10yrs which I hadn't clocked. Then when Admiral came out cheaper they would only give me a good will gesture of 1 extra years NCD (making 11) unless I could produce all my renewals for the last 5 years. Needless to say I couldn't PC


Thats interesting. My renewal from hastings has just come through and they are saying ive got 9 years NCB when in reality ive got 25 years NCB. So I will have to have a word with them. Really hope I have my old renewal letters showing my real ncb.

What is surprising me this year is what an earth has gone on with insurance premiums? This year the cheapest confused.com quote im getting is £550 compared to the £400 it cost me last year. One year on, 16,000 miles gone by with no accidents or claims. Thats a sizeable increase when clearly ive proven im safe risk. Hastings renewal is starting off at £650 alone!!!!

Anyone else renewing their insurance atm and finding the same?
_________________
2008 997.1 Turbo Manual
2000 Ducati 996
1999 Yamaha R1
1994 Kawasaki ZXR750L2
 
  
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easternjets
Barcelona


Joined: 29 Apr 2016
Posts: 1268
Location: Up North!


PostPosted: Tue Nov 07, 2017 12:05 pm    Post subject: Reply with quote

I've had the same shock to the system regarding renewals, my VW touareg went up by 30% and I couldn't better the renewal so stuck with the AA for now.
Another family member has a Toyota Yaris which last year was £320 with D/Line, this year it went up so I did the internet thing and it came back at £660, what is going on that's double and no claims or convictions, ever!

I'm dreading renewing the turbo in a few weeks.
_________________
997 Turbo Gen II PDK 2011
997 Turbo Tiptronic S
Porsche 968 Coupe 1992
Porsche 928 S4
Porsche 911 3.2 Carrera 1985
 
  
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HSC911
Paul Ricard


Joined: 23 Jul 2014
Posts: 3287
Location: Bedford


PostPosted: Tue Nov 07, 2017 12:17 pm    Post subject: Reply with quote

rabbitstew wrote:
Thats interesting. My renewal from hastings has just come through and they are saying ive got 9 years NCB when in reality ive got 25 years NCB.


That's quite normal across the board Rolling Eyes

And they will tell you it's because 9 years is the max discount that you can get so it makes no difference if you have 25 years or 17 years like me PC

Kind of makes sense but I would prefer to see it showing xx years too nooo

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rabbitstew
Nürburgring


Joined: 21 Aug 2015
Posts: 460



PostPosted: Tue Nov 07, 2017 12:35 pm    Post subject: Reply with quote

HSC911 wrote:
rabbitstew wrote:
Thats interesting. My renewal from hastings has just come through and they are saying ive got 9 years NCB when in reality ive got 25 years NCB.


That's quite normal across the board Rolling Eyes

And they will tell you it's because 9 years is the max discount that you can get so it makes no difference if you have 25 years or 17 years like me PC

Kind of makes sense but I would prefer to see it showing xx years too nooo

Thumb


Checked my renewal last year from Admiral and they are showing 24 years NCB so it looks like Hastings must just cap it at 9 years and sod the rest.

Interestingly I have just taken the wife off my policy and thats dropped the renewal down to £430 which is a lot more reasonable. She never drives the car anyway, but I put her on for a "just in case". I think shes covered third party only anyway on her own insurance.

Just had a chat with Tom @ AIB so am waiting to see what they come back with.
_________________
2008 997.1 Turbo Manual
2000 Ducati 996
1999 Yamaha R1
1994 Kawasaki ZXR750L2
 
  
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HSC911
Paul Ricard


Joined: 23 Jul 2014
Posts: 3287
Location: Bedford


PostPosted: Tue Nov 07, 2017 12:37 pm    Post subject: Reply with quote

I was always told, and it worked, that it's cheaper when you add a female onto your policy, the older the better too Question

And I always find the a car parked on the road is cheaper than being parked on your drive and cheaper still then it being garaged Confused

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rabbitstew
Nürburgring


Joined: 21 Aug 2015
Posts: 460



PostPosted: Tue Nov 07, 2017 1:02 pm    Post subject: Reply with quote

HSC911 wrote:
I was always told, and it worked, that it's cheaper when you add a female onto your policy, the older the better too Question

And I always find the a car parked on the road is cheaper than being parked on your drive and cheaper still then it being garaged Confused

Thumb


Yep, mines on the road rather than the garage. I remember one year I added my 80 year old grandmother and that reduced the premium drastically. Then another year removing her also dropped it. I remember once saying the car had no alarm was cheaper also. I guess thieves cause a lot of damage trying to override an alarm etc.

The wife did have a claim earlier in the year so im guessing they are picking up on that from the insurance database. If I remember correctly, when I first added her to the porsche insurance it increased it slightly, but by only £20 or something.
_________________
2008 997.1 Turbo Manual
2000 Ducati 996
1999 Yamaha R1
1994 Kawasaki ZXR750L2
 
  
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Thomp1983
Newbie


Joined: 26 Oct 2017
Posts: 18
Location: Newark on Trent


PostPosted: Tue Nov 07, 2017 1:20 pm    Post subject: Reply with quote

I renewed my policy last week, this year is the first year with a full policy on the 911 when i first got it i just changed my existing policy from my old audi tt to the 911 which cost an extra £11 for 3 months cover.

for this year axa quoted me £304 for fully comp with the other half named, 10k miles and parked on the drive overnight. im 33 with 10 years ncb.
 
  
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rabbitstew
Nürburgring


Joined: 21 Aug 2015
Posts: 460



PostPosted: Wed Nov 08, 2017 1:50 pm    Post subject: Reply with quote

Well AIB tried as hard as they could but came back at over £1000. They said it was down to the mileage I do. The way insurance companies see it is, that if I am doing 16000 a year I am 8 times more likely to have an accident than someone who only does 2000 a year using it as a Sunday car.

However, surely, that bloke who takes only takes his car out on a Sunny Sunday and absolutely wrings its neck racing his mates on B roads is not going to know his car as well as someone like myself who does 16,000 a year regardless of the weather. And whilst I do occasionally get to blast it down the same twisty back roads as Mr "2000miles a year", a large percentage of those 16,000 miles is poodling along in stationary traffic or cruising at 70mph on a motorway.

Plus the fact ive done 20,000 miles in the car already without crashing it, have 25 years NCB on my car and 21 years NCB on high performance superbikes, and also a clean license should sort of point that I am a safe risk?
_________________
2008 997.1 Turbo Manual
2000 Ducati 996
1999 Yamaha R1
1994 Kawasaki ZXR750L2
 
  
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P911X50
Silverstone


Joined: 03 Jan 2017
Posts: 127
Location: Hertfordshire


PostPosted: Wed Nov 08, 2017 2:40 pm    Post subject: Reply with quote

Avoid Skippy, although they are cheap the will charge the earth for any amendments and its a basic cover.

I ensured my 996 turbo X50, Merc S Class AMG, BMW M6 V10 and an Audi A3 Diesel with Admiral for £1,200. under their multi car insurance. Bargain Very Happy
_________________
Porsche 996 Turbo X50 with 9e exhaust
Evo 4 with Evo 8 MR Engine 360 bhp - Road Legal Track car
Previous
MR2 Turbo 280 bhp - Road Legal Track Car
 
  
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caterman
Silverstone


Joined: 29 May 2011
Posts: 118
Location: South of Brum Brum


PostPosted: Sat Nov 11, 2017 9:35 am    Post subject: Reply with quote

I've used Privilege for the last few years, very competitive and no stupid rises at renewal either.

There are several specialist classic car insurance schemes that will do a good price but I found that many of them had quite odd approaches to driving history, business use and theft cover, eg one refused to cover my wife because she had no driving experience of high performance cars and I had to prove that I had driven a Caterham for several years as my expertise. Several have a clause that excludes cover for theft at night if at home but the car is not in a locked garage, I queried what if I came back late one night, left the car on the drive locked while I got the key to the garage and in that time it was nicked and was told that wouldn't be covered.

Privilege had no such restrictions, wife, business use, mods and were very competitive. they are part of Direct Line Group so claims wise, they are vanilla but have quite a good reputation for dealing with claims quickly.
 
  
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