Paul Strong
New member
- Joined
- 19 Jan 2004
- Messages
- 36
I don't own a Porsche yet but I've been getting a few Insurance quotes for the early 996 C4 I'm planning on getting soon, particularly to check what the effect 18" wheels, sports suspension, PSE and a GT3 aerokit have on the premium if I got a car with some or all of these on.
For the past few years I've always got the best deal from Privilege with my current car (Impreza Turbo), although Tescos have got very close every year, so I phoned Privilege to find out how much more Porsche options cost to insure. I've never insured a car with factory options such as the above so I'm hoping for some advice on how it works with most insurers...
Base quote for stock 1999 C4 manual coupe, value £38k, was £1578 which isn't too bad for aged 30 with 6 points and 3 years NCB, although that includes a £500 voluntary excess.
With the 18" wheels (can you buy a 996 without them?!) and the sports suspension both as factory fitted options, there was no change in the premium, which is great. However if the suspension was fitted afterwards, despite the car being the same, I get to pay £2030, ie £450 more, with an additional £150 excess.
Does everyone work like this, forcing me to only buy a car where the M030 suspension is clearly listed on some factory Document to ensure that they can't wriggle out of any claim I make? I was thinking of buying a car with standard suspension if I couldn't find a car with M030 with the right spec in other areas, and purchase/fit the M030 myself, but not if that's the way Insurance works with options.
Next, I asked for the PSE to be added, stating clearly that there was no bhp gain. This raised the premium to £1852, ie an extra £270, regardless of whether it is factory fitted or not.
Finally I came to the aerokit. Since Privilege wouldn't know a GT3 aerokit if it jumped up and smacked them across the chops I duly stated "bodykit" and the bloke on the other end recommended I should sit down before he read out the quote: £2539, ie £960 more than without it! He did say that part of the reason for the increase is because the kit is worth about £3k. Should I not have said it cost that much?
Any advice or personal experiences greatly appreciated!
Migration info. Legacy thread was 13027
For the past few years I've always got the best deal from Privilege with my current car (Impreza Turbo), although Tescos have got very close every year, so I phoned Privilege to find out how much more Porsche options cost to insure. I've never insured a car with factory options such as the above so I'm hoping for some advice on how it works with most insurers...
Base quote for stock 1999 C4 manual coupe, value £38k, was £1578 which isn't too bad for aged 30 with 6 points and 3 years NCB, although that includes a £500 voluntary excess.
With the 18" wheels (can you buy a 996 without them?!) and the sports suspension both as factory fitted options, there was no change in the premium, which is great. However if the suspension was fitted afterwards, despite the car being the same, I get to pay £2030, ie £450 more, with an additional £150 excess.
Does everyone work like this, forcing me to only buy a car where the M030 suspension is clearly listed on some factory Document to ensure that they can't wriggle out of any claim I make? I was thinking of buying a car with standard suspension if I couldn't find a car with M030 with the right spec in other areas, and purchase/fit the M030 myself, but not if that's the way Insurance works with options.
Next, I asked for the PSE to be added, stating clearly that there was no bhp gain. This raised the premium to £1852, ie an extra £270, regardless of whether it is factory fitted or not.
Finally I came to the aerokit. Since Privilege wouldn't know a GT3 aerokit if it jumped up and smacked them across the chops I duly stated "bodykit" and the bloke on the other end recommended I should sit down before he read out the quote: £2539, ie £960 more than without it! He did say that part of the reason for the increase is because the kit is worth about £3k. Should I not have said it cost that much?
Any advice or personal experiences greatly appreciated!
Migration info. Legacy thread was 13027
