Insurance Quotes

[Daston]

Hi guys,

Been looking at Insurance for a S2 Exige 190 and they are crazy! I am 27 and pay £450 fully comp with protected NCB on a TVR Tuscan. However the cheapest quote I have had for the Lotus is £1400! Any ideas what I am doing wrong or why its so different? I mean the Tiv isnt exactly a ford focus.

[Pabl0]

I assume you have tried some of the specialist insurers - if not try some of those on http://wiki.seloc.org/a/Insurance

[400SE Dave]

Try Henderson Taylor, specialises in these types of car. Have my TVR and Exige with them and they are way cheaper than you are saying here.

[mikeyb13]

I got my policy for my 190 Exige from Competition Car Insurance (0844 8921966) for a crazy cheap price. It was almost half the price of major insurance companies. They also include up to 6 track days for free

They also offered 10% discount for simply being a member of certain Lotus forums, I got mine from being a member of http://www.scottishelises.com/phpbb/ which is free to join

[Black Sport 160]

Apt thread.

Gotta renew on my S1 Exige, having a bloody nightmare over the renewal price.

A large part of the day stuck at home with the landline is in order

[Loudman]

My Elise is £370ish from CCI although thats on a 3000 mile policy (second car) and I'm not young and have full NCD and clean license (miraculously)

[Mrs Muttleysnoop]

Sports Racer here and Footman James good, 6 trackdays included etc, etc and the best bit is that unlimited milage is cheaper than limited milage.

[Daston]

Cheers guys

Managed to get a quote for £520 included track cover which is only slightly more than I pay now.

[Black Sport 160]

Who did you go with in the end?

[Daston]

Havent gone with anyone yet. Still need to sell the Tuscan which will take a while and then start shopping

[Ikemi]

Daston said:

However the cheapest quote I have had for the Lotus is £1400! I mean the Tiv isnt exactly a ford focus.

The Tuscan benefits from low production numbers, an owner base consisting mainly of enthusiasts, and a low annual mileage average. In essence, the Elise is involved in more accidents and is seen as a higher risk! However looking at the difference in performance, it makes no sense!

I was looking at a few Tamora's last month (3.6L S6 with 350bhp and some impressive 0-100mph times) and obtained a couple of insurance quotes that were a few pence more than my S2 111S! For me, a 2.5L Twin Turbo Noble M12 GTO is over £300 less!

[Mr Fixit]

I have an exige S2 and amm up for A PX/ exchange it it works fo you

[bordseye]

Ikemi said:

In essence, the Elise is involved in more accidents and is seen as a higher risk! However looking at the difference in performance, it makes no sense!

It isnt performance that matters - its claim cost. There are lots of family saloons that are as fast in a straight line as an Elise, but they dont have to be written off if a minor bump bends the front suspension mounts for example. Plus the £5k bottom of the Elise market attracts kiddies with more testosterone than common sense, as we all had when young.