308 insurance

Author
Discussion

M001

Original Poster:

1,448 posts

235 months

Monday 21st April 2014
quotequote all
Hi all,

My 308 insurance is up for renewal and I'm wondering whether to increase the amount it's insured for. I know it can vary, but what sort of value do others put on their cars? Mine is an'84 GTS QV and there aren't any currently on the market to compare it with.


Nmj

274 posts

153 months

Monday 21st April 2014
quotequote all
M001 said:
Hi all,

My 308 insurance is up for renewal and I'm wondering whether to increase the amount it's insured for. I know it can vary, but what sort of value do others put on their cars? Mine is an'84 GTS QV and there aren't any currently on the market to compare it with.
how would you rate it out of 10 ? , i.e. condition,original colour,service history etc etc , tools,books,jack kit all correct, interior ?

Behemoth

2,105 posts

138 months

Monday 21st April 2014
quotequote all
Nmj said:
how would you rate it out of 10 ? , i.e. condition,original colour,service history etc etc , tools,books,jack kit all correct, interior ?
Who in their right mind would drive around with tools, books, jack kit, let alone store them with the car? I don't think concourse accessories are very relevant to a car insurance valuation.

I would ask your local specialist what they would value it for. They will be needed for an agreed value in writing anyhow.

itiejim

1,822 posts

212 months

Monday 21st April 2014
quotequote all
Well, I don't carry the books, but tool kit, jack etc are basic requirements. Who in their right mind wouldn't carry them?!

M001

Original Poster:

1,448 posts

235 months

Tuesday 22nd April 2014
quotequote all
Nmj said:
how would you rate it out of 10 ? , i.e. condition,original colour,service history etc etc , tools,books,jack kit all correct, interior ?
Condition wise, probably around an 8 with 10 being concourse. I've got the original jack and service book along with an extensive history file.

It's currently insured for 30k agreed value but I'm guessing a replacement value of 35k+

Jonty355

4,423 posts

220 months

Tuesday 22nd April 2014
quotequote all
I insured my '82 308 GTBi for £30k and if anything am now wondering whether or not I should have insured it for more like £40k.

Best bet is either call to a dealer/specialist and see what price they would put on it for insurance purposes. Personally I reckon a QV car though to be about £60k.

Mal001

Original Poster:

1,448 posts

235 months

Tuesday 22nd April 2014
quotequote all
Cheers Jonty,

60K! Blimey, I knew GTB's were on the rise!

I'll call a couple of dealers to see what they think. Up to a few months ago there were several GTS for sale to compare but whether it's seasonal, now there aren't many at all in the UK.

Jonty355

4,423 posts

220 months

Tuesday 22nd April 2014
quotequote all
I suspect the GTB would hold a premium over a GTS since they're rarer and maybe stiffer chassis. But not much of a premium. Just going on what someone told me.

May not be worth £60k just yet, thats just my opinion, but in a few months may be worth more. Who knows? With the rate prices are rising I worry mine isn't insured for anything near what it might be worth. Must not think about things like that though or I'll stop driving it, and that would be a shame because they're such great cars as I'm sure you'll agree?

Mal001

Original Poster:

1,448 posts

235 months

Tuesday 22nd April 2014
quotequote all
Absolutely. Weather permitting I'm out in mine most weekends and the occasional evening.

The value is not yet a concern but just want to make sure I have it covered should the worst happen.

Jonty355

4,423 posts

220 months

Tuesday 22nd April 2014
quotequote all
Me too! Want to be able to use it, but dont want it to be that if the worst happened that I'd be losing out in some way!

Nmj

274 posts

153 months

Tuesday 22nd April 2014
quotequote all
Behemoth said:
Who in their right mind would drive around with tools, books, jack kit, let alone store them with the car? I don't think concourse accessories are very relevant to a car insurance valuation.

I would ask your local specialist what they would value it for. They will be needed for an agreed value in writing anyhow.
I was trying to get a feel for the car for an approx valuation , if these are not present then it does make quite a difference for car value ... Wake up !

Nmj

274 posts

153 months

Tuesday 22nd April 2014
quotequote all
M001 said:
Condition wise, probably around an 8 with 10 being concourse. I've got the original jack and service book along with an extensive history file.

It's currently insured for 30k agreed value but I'm guessing a replacement value of 35k+
I would advise you to get an insurance agreed valuation of £55k , unless you tell me it's done big big miles ?

Nmj

274 posts

153 months

Tuesday 22nd April 2014
quotequote all
M001 said:
Condition wise, probably around an 8 with 10 being concourse. I've got the original jack and service book along with an extensive history file.

It's currently insured for 30k agreed value but I'm guessing a replacement value of 35k+
I would advise you to get an insurance agreed valuation of £55k , unless you tell me it's done big big miles ?

Mal001

Original Poster:

1,448 posts

235 months

Tuesday 22nd April 2014
quotequote all
Thanks Nmj, that figure surprised me but nice to know.

Mileage is around 43k and as far as I can tell from the paperwork genuine.

Nmj

274 posts

153 months

Tuesday 22nd April 2014
quotequote all
Mal001 said:
Thanks Nmj, that figure surprised me but nice to know.

Mileage is around 43k and as far as I can tell from the paperwork genuine.
My pleasure , I also agree with the other post that a gtb can command a little more than a gts but I certainly feel if you had to replace yours with an identical car it would be 50k plus in the current market , I own 2 308 carb cars and have just sourced a gtb QV for a client of mine so have a close eye on this market
Rgds

Nmj

274 posts

153 months

Tuesday 22nd April 2014
quotequote all
Mal001 said:
Thanks Nmj, that figure surprised me but nice to know.

Mileage is around 43k and as far as I can tell from the paperwork genuine.
My pleasure , I also agree with the other post that a gtb can command a little more than a gts but I certainly feel if you had to replace yours with an identical car it would be 50k plus in the current market , I own 2 308 carb cars and have just sourced a gtb QV for a client of mine so have a close eye on this market
Rgds

preA356

136 posts

214 months

Thursday 15th May 2014
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just put a deposit down on a QV car at 80k, seem to be sold so quickly lately
maybe you should up your insurance a tad more!

Mal001

Original Poster:

1,448 posts

235 months

Friday 16th May 2014
quotequote all
preA356 said:
just put a deposit down on a QV car at 80k, seem to be sold so quickly lately
maybe you should up your insurance a tad more!
Congrats! Is it the one at the Ferrari Centre? I haven't seen any other Gts's for sale.

Mal001

Original Poster:

1,448 posts

235 months

Friday 16th May 2014
quotequote all
preA356 said:
just put a deposit down on a QV car at 80k, seem to be sold so quickly lately
maybe you should up your insurance a tad more!
Congrats! Is it the one at the Ferrari Centre? I haven't seen any other Gts's for sale.

preA356

136 posts

214 months

Friday 16th May 2014
quotequote all
it is, the 308 looks so much better close up than in photos, the colour of the rosso metallic just pings out at you, I took a friend along who is a car guy and he loved the colour as well but seems most people don't like it.
Its top top money for a 308 and it has rust bubbles in about 6 places, door bottom/rear lower panel/front quarter panel but they are repairing it with photographic evidence its done correctly and not just a skim of filler.Beautiful interior and perfect seating position which I was surprised at as I was told anyone 6ft and over would find it uncomfortable.