CAR iNSURANCE Recommendations/tips or advice

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deano
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CAR iNSURANCE Recommendations/tips or advice

Post by deano » Fri Apr 01, 2016 9:14 pm

So I`ve now bought a `daily driver` Astra mk5 diesel and moved it on to my insurance with my 15 years no claims

Now I have to insure my 827 Fastback 1993 on a new policy with no NCD, they wont let me use the same Ncd for both cars :(

Currently being quoted about £425

Any tips on getting it cheaper ???

I tried multicar polices but they seemed no cheaper
Aviva wanted £1200 :twisted:

Any Advice anyone ?
1993 Rover 827 SLI Fastback Mk2
1999 Rover 825 Sterling Saloon Mk2 (HGF)
------------------
Previously
1996 Rover 825 Sterling Coupe Mk2
1993 Rover 827 Sterling Saloon Mk2
1990 Rover 827 Sterling Saloon Mk1
1972 Rover P6 2000TC

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traineefarmer
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Re: CAR iNSURANCE Recommendations/tips or advice

Post by traineefarmer » Fri Apr 01, 2016 9:29 pm

Multicar is a con. I insure my Volvo with admiral who make a big thing of multicar, but were nearly three times too expensive for the Rover.

I'd have thought you could use a copy of your current policy as proof of your NCD when opening a new policy with a new insurance company.

For simple policies, I've found Swiftcover to be very good on more than one occasion.
Tom.

'97 Vitesse Coupe
'03 XC90 D5

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scoobyh123
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Re: CAR iNSURANCE Recommendations/tips or advice

Post by scoobyh123 » Fri Apr 01, 2016 11:28 pm

Try Lancaster Insurance Dean - just renewed my Sterling with them for £185, fully comp, 6000 miles/year, classic policy so no NCB needed (or accrued usually) and yours should be eligible if it's a Sterling, Vitesse or a coupe. You may have to fight them a bit if it's an SLi but there's not many of them left now either so don't see why they shouldn't have classic status too.

https://www.lancasterinsurance.co.uk/

You could also try Adrian Flux for a classic policy, they actually came out £26 cheaper than Lancasters but i find it easier just remembering one phone number if i need their customer service instead of 3 different numbers for 3 different cars.

Good luck with it, let us know if you find a bargain! :wink: :D
Cheers,
Dave


'94 827 Sterling saloon
'95 827 Coupé LPG
'88 Volvo 760 V6 Estate
All auto :D
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deano
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Re: CAR iNSURANCE Recommendations/tips or advice

Post by deano » Sat Apr 02, 2016 10:01 am

Lancaster on line quote came in at.... £1432 :shock:
1993 Rover 827 SLI Fastback Mk2
1999 Rover 825 Sterling Saloon Mk2 (HGF)
------------------
Previously
1996 Rover 825 Sterling Coupe Mk2
1993 Rover 827 Sterling Saloon Mk2
1990 Rover 827 Sterling Saloon Mk1
1972 Rover P6 2000TC

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scoobyh123
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Re: CAR iNSURANCE Recommendations/tips or advice

Post by scoobyh123 » Sat Apr 02, 2016 10:50 am

Sorry, whose phone number was that??????????????????? :shock: :shock: :shock: :shock: :shock:
Cheers,
Dave


'94 827 Sterling saloon
'95 827 Coupé LPG
'88 Volvo 760 V6 Estate
All auto :D
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deano
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Re: CAR iNSURANCE Recommendations/tips or advice

Post by deano » Sat Apr 02, 2016 11:27 am

yea... in London and parked on the street don't forget.
I re-quoted it as kept in a `locked compound` (you know the one) and it still came back at £869 :(

The search goes on...
1993 Rover 827 SLI Fastback Mk2
1999 Rover 825 Sterling Saloon Mk2 (HGF)
------------------
Previously
1996 Rover 825 Sterling Coupe Mk2
1993 Rover 827 Sterling Saloon Mk2
1990 Rover 827 Sterling Saloon Mk1
1972 Rover P6 2000TC

User avatar
scoobyh123
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Re: CAR iNSURANCE Recommendations/tips or advice

Post by scoobyh123 » Sat Apr 02, 2016 12:13 pm

Good point - forgot about the London weighting on premiums. When i moved up here from the south side of the pipe 12 years ago, my insurers sent me a cheque for just over £100 and reduced my last 3 monthly payments to almost nothing - that was on a Nissan 300C.

Try putting it in a garage with 5000 miles and SD&P use only, no travel to and from work, see if it comes back anywhere near sensible. It might even be worth renting a council lock up to reduce the premiums if it brings it down enough.
Cheers,
Dave


'94 827 Sterling saloon
'95 827 Coupé LPG
'88 Volvo 760 V6 Estate
All auto :D
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deano
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Re: CAR iNSURANCE Recommendations/tips or advice

Post by deano » Sat Apr 02, 2016 1:45 pm

The council garages round the corner from me are now over £100 a month now... (1200 a year)

I had one about 15-20 years ago, it was £20 a month then
1993 Rover 827 SLI Fastback Mk2
1999 Rover 825 Sterling Saloon Mk2 (HGF)
------------------
Previously
1996 Rover 825 Sterling Coupe Mk2
1993 Rover 827 Sterling Saloon Mk2
1990 Rover 827 Sterling Saloon Mk1
1972 Rover P6 2000TC

User avatar
scoobyh123
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Re: CAR iNSURANCE Recommendations/tips or advice

Post by scoobyh123 » Sat Apr 02, 2016 6:25 pm

That's steep for a council garage - i pay £7.50 a week for mine (£32.50/month) so that's 3 times the cost, if not more! Obviously wouldn't be a good way to get your insurance down!
Cheers,
Dave


'94 827 Sterling saloon
'95 827 Coupé LPG
'88 Volvo 760 V6 Estate
All auto :D
Image

deano
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Posts: 1261
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Re: CAR iNSURANCE Recommendations/tips or advice

Post by deano » Sat Apr 02, 2016 7:35 pm

London rates innit....

Same with them secure storage lock ups....
My cousin has one about 10 foot square costs him 200 quid a month

The stuff in it isnt even worth 200 notes
1993 Rover 827 SLI Fastback Mk2
1999 Rover 825 Sterling Saloon Mk2 (HGF)
------------------
Previously
1996 Rover 825 Sterling Coupe Mk2
1993 Rover 827 Sterling Saloon Mk2
1990 Rover 827 Sterling Saloon Mk1
1972 Rover P6 2000TC

User avatar
scoobyh123
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Posts: 8320
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Contact:

Re: CAR iNSURANCE Recommendations/tips or advice

Post by scoobyh123 » Sat Apr 02, 2016 8:52 pm

Glad i don't live in that neck of the woods! How do they justify it is what i'd like to know!
Cheers,
Dave


'94 827 Sterling saloon
'95 827 Coupé LPG
'88 Volvo 760 V6 Estate
All auto :D
Image

midnite
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Re: CAR iNSURANCE Recommendations/tips or advice

Post by midnite » Sat Apr 02, 2016 10:32 pm

i just done my 827 with footman james, 3k per year 2.5k value, £150 full comp
fleet now includes
89 827 sterling auto saloon grey dead and gone
90 827 sli auto saloon pulsar silver
91 820 i special edition flaming hell red
99 820 vitesse turbo sport manual nightfire rust sold to a better owner than i

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scoobyh123
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Re: CAR iNSURANCE Recommendations/tips or advice

Post by scoobyh123 » Sat Apr 02, 2016 10:36 pm

'Tiz cuz he's in that Lon-Don Matt! :wink: :D
Cheers,
Dave


'94 827 Sterling saloon
'95 827 Coupé LPG
'88 Volvo 760 V6 Estate
All auto :D
Image

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traineefarmer
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Re: CAR iNSURANCE Recommendations/tips or advice

Post by traineefarmer » Sun Apr 03, 2016 6:21 am

My Rover is with swiftcover. 10k mileage. £2.5k value (not that it means anything). SDP+C, Driveway parked. Fully comp. £210/year.
Tom.

'97 Vitesse Coupe
'03 XC90 D5

mercedade
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Re: CAR iNSURANCE Recommendations/tips or advice

Post by mercedade » Sun Apr 03, 2016 6:31 pm

Also, don't forget that sometimes it's worth ringing the specialist insurance places, rather than using the website quotes. You can explain your circumstances and then the brokers can open their special 'classic' rolodex to direct your quote to those insurers instead.

The online quotes are usually only for 'standard' policies, so no NCD and 'second car' status don't factor in quite the same way.
Adrian
1998 Rover Mk2 820 Vitesse Hatchback (green)
Gone...1992 Rover Mk1 827 SLi Manual (green)
Gone...1998 Rover Mk2 825 Diesel (green)

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