Insurance!

[205gtinut]

I'm on the verge of getting my first MX-5. Got an insurance quote on a 1990 1.6 Eunos, standard. I'm 26 with 6 years NCB and a clean driving record/history. The best quote I've had so far is £287 TPF&T through autotrader insurance surprisingly, which I was quite pleased with. Qusetion is, is this a 'reasonable quote' or should/could I get this down much further? Don't know what others are paying so would be interested in some feedback....

[MX-5 Lazza]

Have you tried Adrian Flux & A-Plan? AON might be good if you are an OC member but it seems to be hit & miss, probably based on where you live whether you get a good quote from them.

[205gtinut]

MX-5 Lazza said:

Have you tried Adrian Flux & A-Plan? AON might be good if you are an OC member but it seems to be hit & miss, probably based on where you live whether you get a good quote from them.

Thanks for the response Lazza, haven't tried Adrian Flux yet, but had a bad experience with them in the past, so I'm not too keen to go back there! I know theres a lot of factors regarding insurance but on the face of it, does it seem reasonable...?

[anonymous-user]

Seems OK to me - I'm 34 with 9+ years NCB and it costs me about £200 fully comp on the same spec car.

[MX-5 Lazza]

It does look like a pretty good price to be fair but it's always worth shopping around a bit

[pmanson]

I think ours is insured with Churchill.

UK Car (92 K), 1.6, Amy (23 with 5 yrs NCD) primary driver with me (25 with 5 yrs NCD) as a named driver.

Fully comp was £340.00 if I remember correctly. 10k miles with the car parked on the drive.

Edited by pmanson on Friday 24th October 12:13

[Planet Claire]

MX-5 Lazza said:

It does look like a pretty good price to be fair but it's always worth shopping around a bit

As Lazza said, do shop around, even though it's not a bad price. Give A-Plan and Sky Insurance a call. Both their details can be found on MX5Nutz.

[205gtinut]

Thanks for all your great feedback everyone, its much appreciated!!

[205gtinut]

Just to throw something into the mix, I currently have a Citroen Xania 1.9 TD (Yes I know, but it does the job!)insured with Churchill. I obviously use my NCB on this car. I know you can't use NCB on two cars, and so was looking to use my NCB on the mx-5, and lose it on my xantia. Are there any companies who are sympathetic to this situation, i.e give you discount if you insure both cars with them? Or how do others with more than one car go about insurance? (I haven't had chance to speak to my current insurer yet, but wanted to know if there were any other options.)

[Planet Claire]

There are companies that will insure more than one car. For some reason I have Direct Line in my mind that do this, but I'm not sure.

[Planet Claire]

A quick Google has thrown up a few companies

www.performancedirect.co.uk/2ndCar
www.quickclick-insurance.co.uk
www.LV.com/Insurance

I think the key words in google are "multi car insurance".

[franv8]

I've got mine on with A-One insurance - good with imports, pay similar amount for fully comp. They're somewhere down in Dorset, but you could find their details on the interweb.

[matt uk]

If you have a main car in use already, try http://www.hagertyinsurance.co.uk/

Got mine on a limited miles policy, kept in garage and main car used as a daily driver. They are well priced and very easy to deal with.

Cheers,
Matt

[205gtinut]

matt uk said:

If you have a main car in use already, try http://www.hagertyinsurance.co.uk/

Got mine on a limited miles policy, kept in garage and main car used as a daily driver. They are well priced and very easy to deal with.

Cheers,
Matt

Thanks for that Matt! Will give them a go. Cheers

[205gtinut]

matt uk said:

If you have a main car in use already, try http://www.hagertyinsurance.co.uk/

Got mine on a limited miles policy, kept in garage and main car used as a daily driver. They are well priced and very easy to deal with.

Cheers,
Matt

Matt, do you have both cars insured with hagerty, or just your mx5? And your limited mileage policy, is that effectively with 0 NCB? Cheers

[skinny]

sounds good to me, i'm 28 with 6 years NCB, car is garaged in a safe neighbourhood and i'm paying £310 fully comp with flux.

[matt uk]

205gtinut said:

matt uk said:

If you have a main car in use already, try http://www.hagertyinsurance.co.uk/

Got mine on a limited miles policy, kept in garage and main car used as a daily driver. They are well priced and very easy to deal with.

Cheers,
Matt

Matt, do you have both cars insured with hagerty, or just your mx5? And your limited mileage policy, is that effectively with 0 NCB? Cheers

No, the BMW is with someone else and I use my NCB on that.
The Hagerty premium doesn't work in the same way as a traditional NCB policy so effectively I guess it is with 0 NCB, but like I say it's not really how they work - being an 'occasional day' car kept in a garage they treat it in a different way and hence it has a limited miles policy.
Best way is just to give them a call. They are nice blokes, not call centre know-nothings and they'll give you an estimate premium in about 5 mins on the phone. They can answer any queries you have. Oh, and the guy I spoke was very enthusiastic about MX5s and the various models and options - which always makes things a bit more pleasant! I think a lot of the TVR guys use them - that was where I got their name from. They specialise in cherished / low use cars.

Cheers,
Matt