insurance recommendations not cci, or adrian flux
Discussion
As above time has come to renew my policy, spoke to CCI who i have been with for past 3 and half years and they now wont cover anyone doing more than 8000 miles a year, pain in the rs but their choice I suppose so no grudge held. Spoke to Adrian Flux but price is about £300 more than CCI and so far Sheila's Wheels seem the cheapest, I assumed they only covered women (maybe they have seen my driving!).
Any other pointers as where to look greatly appreciated, I know that these come up all the time but normally the response is either Adrian Flux or CCI so wondered if any others emerging?
Also hope that this helps others if they run over the 8000 miles and currently use CCI.
Thanks for reading and any suggestions will be looked into and appreciated, have a good day.
Any other pointers as where to look greatly appreciated, I know that these come up all the time but normally the response is either Adrian Flux or CCI so wondered if any others emerging?
Also hope that this helps others if they run over the 8000 miles and currently use CCI.
Thanks for reading and any suggestions will be looked into and appreciated, have a good day.
kazste said:
As above time has come to renew my policy, spoke to CCI who i have been with for past 3 and half years and they now wont cover anyone doing more than 8000 miles a year, pain in the rs but their choice I suppose so no grudge held.
In fairness to CCI I believe that's down to changes made by Aviva (their underwriters), rather than their choice.The list on the SELOC TechWiki is reasonably frequently updated and may be worth a look: http://wiki.seloc.org/a/Insurance
I renewed with CCI and only got a £12 increase this year (3,000 miles, no commuting), but others with higher mileage limits and commuting or business use saw 30%+ increases.
kambites said:
Elephant have always been very competitive for me.
Wouldnt trust them as far as I could throw them. Son had a claim for damage to his car which was hit by an old lady whilst it was parked in a bay at the side of the road with him sat down in a cafe opposite. Son had protected NCB and in any case full costs were recovered from her insurance. Next year Elephant doubled his gross premium and when I asked why, they said that his accident showed that he was accident prone! Basically they were dishonest.bordseye said:
Wouldnt trust them as far as I could throw them. Son had a claim for damage to his car which was hit by an old lady whilst it was parked in a bay at the side of the road with him sat down in a cafe opposite. Son had protected NCB and in any case full costs were recovered from her insurance. Next year Elephant doubled his gross premium and when I asked why, they said that his accident showed that he was accident prone! Basically they were dishonest.
How is that dishonest? "Protected no claims bonus" just means that your no claims bonus doesn't diminish. It doesn't mean your premium wont rise after an accident. As far as I know, any insurance company would have done exactly the same thing. I think you could have reclaimed the extra costs from the woman who hit him, if you'd bothered.
Edited by kambites on Monday 6th August 19:09
bordseye said:
Son had protected NCB and in any case full costs were recovered from her insurance. Next year Elephant doubled his gross premium and when I asked why, they said that his accident showed that he was accident prone! Basically they were dishonest.
You're protecting the percentage discount they give you off the calculated premium. His risk profile had increased, therefore his base premium had increased - the same percentage discount would still be applied to it though. Would have gone up a lot more without the protected NCB.That's not dishonesty, it's just failing to understand what protected NCB means and how they calculate the price.
Footman James won't insure you on a modern car unless you have a classic policy with them, again fair dues their company their rules.
It is a little worrying though that many specialist insurers are insisting on very limited miles, I know I'm the exception rather than the rule but surprised at this. Again nothing against cci they haven't tried to be sneaky have just changed their policy rules at renewal time but does show a potential worrying trend.
It is a little worrying though that many specialist insurers are insisting on very limited miles, I know I'm the exception rather than the rule but surprised at this. Again nothing against cci they haven't tried to be sneaky have just changed their policy rules at renewal time but does show a potential worrying trend.
These "specialists" can only get away with offering lower premiums than the mainstream suppliers because they insure cars which aren't used much are are extremely well cared for. I think with rising insurance costs, people have got wise to this and started buying "specialist" cars to use as daily drivers, which has forced the specialists introduce new rules to weed out those people.
I know when I bought my MGB as my first car that I was paying well under my real risk rate for precisely that reason. I'm not surprised that they've tried to close the loop hole.
I know when I bought my MGB as my first car that I was paying well under my real risk rate for precisely that reason. I'm not surprised that they've tried to close the loop hole.
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