Insurance...

Insurance...

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peps

Original Poster:

5 posts

260 months

Wednesday 12th March 2003
quotequote all
Just looking into the possibility of going for a Tuscan, either nearly new or new. When i check for insurance quotes online i see a vast list of Alarms & immobilisers and also it asks about trackers - so couple of questions:

1 - What is the standard Alarm Immob make & model on a Tuscan
2 - Does anyone know if having a tracker makes a huge difference on insurance
3 - If so what's the best bet to go for on a tracker
4 - Also any advice on how much to put away each month to cover running costs (100, 200 etc)..cheers

Thanks for any help

plotloss

67,280 posts

277 months

Wednesday 12th March 2003
quotequote all
Meta 99T2
Some insurance brokers insist on a Tracker, Mannings for example insisted on it on my mates Tamora.
Not sure which Tracker is best, there are a few.
£250 - £300 a month depending on mileage should see you nicely safe just in case something horrid comes up.
Get an extended warranty! (Though saying that this is somewhat contentious as they arent over keen on paying out)

Matt.

peps

Original Poster:

5 posts

260 months

Wednesday 12th March 2003
quotequote all
Thanks for the info Matt,

Is that on top of sticking a few quid away for services or covering the lot.

I have a feeling though that whatever figures you mentioned i will have to find a way to afford it (fraud, bank jobs etc etc). They really look the biz.

cheers again

snowy1101

50 posts

264 months

Wednesday 12th March 2003
quotequote all
for an insurance quote try sunninghill insurance brokers, a bod called aaron lee, 01276 486018 very helpful, and the cheapest including track days i have found for my chimera, and tuscan.

the system that comes as factory fitted for the car is usually enough for their requirements. As for tracker don't know.

peps

Original Poster:

5 posts

260 months

Wednesday 12th March 2003
quotequote all
i have tried a few and tesco online was pretty good. I will of course try any that are recommended.

not too sure what good is though for this sort of car - but using my current car V6 4motion as a guide it was only £100 or so more (not bad for a car double the price).

Age 32, 5 yrs ncb -quotes have been around 1100 - 1700 (sound about right?)

cheers
Lee

Peter_Belcher

52 posts

262 months

Wednesday 12th March 2003
quotequote all
I got my insurance through Tesco for £1,700 without a tracker being fitted and limited to 10,000 miles per year. For me this was a good quote as I am 22yrs, have 2 years no claims and a claim in Jan 2001!!

It obviously depends if you will be doing track days as most insurance companies do not cover this, a few do, as mentioned in various threads but I guess it costs more?

- Pete -

21TVR

655 posts

263 months

Wednesday 12th March 2003
quotequote all
Peter you are doing well, i think I would have wrapped a car like this straight round a tree if i'd had this sort of power aged 22!

sorry to sound like your grandfather!!!(classic )

robertm

253 posts

270 months

Wednesday 12th March 2003
quotequote all

2 - Does anyone know if having a tracker makes a huge difference on insurance



I had a tracking device fitted to my Discovery because I use it for work. The unit plus fitting was around £450 and the annual monitoring charge is appx £120.

My insurance company kindly knocked 10% off my premium, (saving less than £50 pa), so it gives peace of mind, but is hardly a bargain.

When I insured my Tamora through Sunninghill, (£599 pa), they told me that I could fit a tracker if I wanted to, but it would have no effect on the insurance premium.

Telboy

25 posts

261 months

Wednesday 12th March 2003
quotequote all
Comparisons for Insurance are a nightmare. Every postcode is rated according to the probability of an accident or theft.

The best advice anyone can give you is to make a list of insurance companies you want to deal with and spend a few hours ringing them all and compare them at the end. They should all give you a reference number and guarantee the quote for 30 days. Once you've found the one for you (i.e. cheapest is not necessarily the best) sit back with a smug smile and put the money you've saved towards the running costs.

Oh and do the same at every renewal - I regularly change companies on my other car and motorbike cos the best one year isn't necessarily the best the next.

Having said all that I live in the Lakes and insurance is a lot cheaper this far ooop north.

peps

Original Poster:

5 posts

260 months

Wednesday 12th March 2003
quotequote all
Thanks to all for the tit-bits of info it was genuinely useful.

So up to a ton a month for the insurance, another 2-300 stuck away for servicing & niggles....now for the 30-40 grand to get the thing...

Alf Essex

1,467 posts

268 months

Wednesday 12th March 2003
quotequote all
peps,

On my recently acquired new Tuscan I went with Mannings, as people have said they insist on a Tracking device. I already had the RAC TracStar on my last car so just moved it across. Its quite expensive and I'm sure there are other cheaper ones now, just need to ensure its GPS based.

I'm 34, 5 yrs no claims although this is on other car, but Mannings give you quote based on your no claims on the second car...so I pay approx £900 per year.

One thing to note I guess, a GPS tracking device only helps the police catch the thief and your car...doesn't stop them taking it & thrashing the engine! At least you get piece of mind that you caught the buers but what will be left of the car...who can guess!

Hope this helps.

Alan.

Peter_Belcher

52 posts

262 months

Thursday 13th March 2003
quotequote all
Cheers Simon (21TVR) I am still running it in so not gone to banzai at the moment. Been on a skids and skills course at Silverstone and going to be taking advanced driving lessons and further skid / handling courses in the near future just to be safe!

I am, IMHO, quite a sensible driver for my age and don't tend to get too aggresive when the Kev's and Max Flower's of this world have a go at racing me!

Time will tell but hopefully you won't see a post from me saying that I have written off the beast any time soon! Fingers crossed, touch wood etc...

Has anyone else been on any driving courses, what ones would be recommended? Just to stay on topic, would taking the advanced driving test save any money on insurance as I hear some do give discounts for advanced drivers etc.

- Cheers, Pete -

Alf Essex

1,467 posts

268 months

Thursday 13th March 2003
quotequote all
Pete,

I was initially interested in 'an advanced driving lessons/skid/handling course', so would be good to hear what you find.

The road ones handled by Police Officers are good for general awareness I guess but would also like to learn at speed on the track.

Alan.

Peter_Belcher

52 posts

262 months

Thursday 13th March 2003
quotequote all
In the next month or so I will be looking into various driving courses and will report back to PH to let you all know what I find.

My main interest in courses will be:

* Advanced observation, overtaking techniques etc.

* Progressing on roads at a good, but safe, pace.

* Handling courses to minimise / handle skids.

The Silverstone course was a good introduction to skids and car handling but I think a little limited, just my opinion of course!

- Pete -

plotloss

67,280 posts

277 months

Thursday 13th March 2003
quotequote all
Peps,

The figures I mention would be all in rather than on top of servicing.

Matt.

peps

Original Poster:

5 posts

260 months

Thursday 13th March 2003
quotequote all
Thanks Matt...

I've been speaking to a couple of people about wanting the Tuscan and you can almost see them shudder (one of them has a mate which works as a director in the local TVR dealer in Kent, another my old man who i know will try to persuade me away!). It seems the reputation on reliability is still there.

Any come-backs about this, in people's honest opinion what is the Tuscan like, are they breaking down alot, in the garage etc or is this like an 'old-wives tale?'.

thanks
lee

MB.

850 posts

291 months

Thursday 13th March 2003
quotequote all
The factory fit alarm and immobilisor is the Meta 99T2/36T2, not sure if that will make a difference to an insurance quote as against just an alarm!

The reliability thing, yes they had some problems with engines in the early Tuscans, this was due to dodgy compnents and this is all sorted now, so no reason why a Tuscan would be any more unreliable than any other highly tuned sports car - yes you will have problems and servicing will be a lot more than a VW, but then you should expect this as you have a race bread engine, a lot stiffer suspension (so everything gets more vibration) and the cars are handbuilt and so do not have the levels of fit and finish of mass produced 'built by robot' cars

The insurance quotes will vary from company to company, some rate very highly on post codes - for example A Mannings, so if you live in a 'safe' area you will get a great deal, but once you move to somewhere a bit more risky then the premium goes up - other companies rate more on the car and driver risk, so if you are more 'mature' and have experience of performance cars you will geta saving.
Best bet is to call lots of them and compare - have a look at www.oilypages.com for some links

Hope this helps
Graham
PS - Who is the contact at Walldonway and what did they say about the reliability issue?

badapple

2,265 posts

261 months

Friday 14th March 2003
quotequote all
I had a tracker on my car when I bought it, they charge about £130 a year. I'm insured with tesco & they didn't seem at all interested in the fact that the car had one. It definately made no difference to the premium. Very nice for piece of mind though.

agerrard

21 posts

291 months

Friday 14th March 2003
quotequote all

Peter_Belcher said: In the next month or so I will be looking into various driving courses and will report back to PH to let you all know what I find.

My main interest in courses will be:

* Advanced observation, overtaking techniques etc.

* Progressing on roads at a good, but safe, pace.

* Handling courses to minimise / handle skids.

The Silverstone course was a good introduction to skids and car handling but I think a little limited, just my opinion of course!

- Pete -



For anybody driving on our roads - take a look at the IAM course & test. One of the best value birthday presents my wife has ever bought for me (at the time it was £70; £35 for the course & £35 for the test - current is £85 I think?). The 2 hr. test, in my Spider , was with a grade A1 (or whatever it is?) police advanced driving examiner i.e. someone who trains and certifies advanced police drivers and IMHO it's improved my driving considerably. I am so much more aware of what's going on and how to avoid numpty behaviour - both mine and others URL - www.iam.org.uk/ In many respects it's made driving the Tuscan much more enjoyable as I reckon I'm a lot safer now (not necessarily slower - just safer) for me, my passenger(s) and other users than when I 1st started driving. Highly recommended!

Andrew
PS. Yes, I did pass the test
PPS. 1 other quick bonus - it may (but not guaranteed!), get you an insurance discount. Some insurers do, some don't. Mine doesn't

>> Edited by agerrard on Friday 14th March 12:21