Insurance queries

[lady topaz]

Having a bit of a blonde moment as to what is the best way to go.
My renewal comes out at either £1,000 with £700 excess or £1350 with £500 excess.
Which is the best option or can anyone suggest an alternative. Need to act swiftly.

Thanks

Di

[Simpo Two]

Depends if you plan to have an accident!

As Mr Eastwood famously said: 'How lucky do you feel?'

(bear in mind that insurance premiums are calculated such that ATBE you lose and they win)

[GlynMo]

If you've got a good/lucky history of avoiding accidents and the extra few quid on the excess is no problem in the event that your luck runs out take the cheaper option. Actually, £350 off for an extra £200 excess seems a good deal, as long as you don't have more than 1 fault claim.

[Murph7355]

Assuming all other things to do with the quote are the same (underwriter, terms etc) then I'd go for the lower premium/higher xs.

You can practically have two claims before you'd be significantly worse off. And how many times have you had to claim more than twice in a year?

(If the answer to that questions is "lots", I'd be surprised you got insured at all!)

[lady topaz]

Thanks guys. In your opinion is what I have been quoted about par for the course? I have just finished a top up from my previous insurance so no idea what to expect on a fresh policy. Despite having performance cars they were not in this price bracket which must be taken into consideration.

Di

[Murph7355]

Depends where you're based, how many miles, driving record, age etc.

The one with 500 xs potentially looks toppy to me.

[GlynMo]

Murph7355 said:

Depends where you're based, how many miles, driving record, age etc.

The one with 500 xs potentially looks toppy to me.

Agreed. The insurer appears to be encouraging you towards the higher excess option, which doesn't look too bad.

[GR1FF1F]

Di, have you considered putting the V8 and the XK on the same policy. I did that, + TVR + more and total cost is not much more than your 1,350. Also spectacularly simple to renew. Track days, European cover all in. Not sure of excess, but it's in the hundreds, and let's face it you don't claim unless there's a significant bill to pay.

[GlynMo]

GR1FF1F said:

Di, have you considered putting the V8 and the XK on the same policy. I did that, + TVR + more and total cost is not much more than your 1,350. Also spectacularly simple to renew. Track days, European cover all in. Not sure of excess, but it's in the hundreds, and let's face it you don't claim unless there's a significant bill to pay.

Can you tell us who the insurer is? I tried to buy a multi-vehicle policy and as soon as I mentioned 'Aston Martin' they ran away!

[oceantools]

I've got all four cars on one policy. Paid it last week - around £1400. Can't complain about that....

[steve_amv8]

Admiral will do multi-car with an Aston on ...

[lady topaz]

GR1FF1F said:

Di, have you considered putting the V8 and the XK on the same policy. I did that, + TVR + more and total cost is not much more than your 1,350. Also spectacularly simple to renew. Track days, European cover all in. Not sure of excess, but it's in the hundreds, and let's face it you don't claim unless there's a significant bill to pay.

Unfortunately husbands car is a company car so it is insured through the business.

[michael gould]

am I being thick or something....they are charging you £350 extra for £200 worth of extra cover !!!!!!!!!

[lady topaz]

michael gould said:

am I being thick or something....they are charging you £350 extra for £200 worth of extra cover !!!!!!!!!

Sorry, I didnt make myself clear. Told you "blonde moment". The quotes are from different companies.

[GR1FF1F]

GlynMo said:

GR1FF1F said:

Di, have you considered putting the V8 and the XK on the same policy. I did that, + TVR + more and total cost is not much more than your 1,350. Also spectacularly simple to renew. Track days, European cover all in. Not sure of excess, but it's in the hundreds, and let's face it you don't claim unless there's a significant bill to pay.

Can you tell us who the insurer is? I tried to buy a multi-vehicle policy and as soon as I mentioned 'Aston Martin' they ran away!

Used to be known as Sunninghill, now Jelf Group. Policy is with Chaucer. Others on here also recommend Admiral

[GR1FF1F]

lady topaz said:

GR1FF1F said:

Di, have you considered putting the V8 and the XK on the same policy. I did that, + TVR + more and total cost is not much more than your 1,350. Also spectacularly simple to renew. Track days, European cover all in. Not sure of excess, but it's in the hundreds, and let's face it you don't claim unless there's a significant bill to pay.

Unfortunately husbands car is a company car so it is insured through the business.

Should have kept the Tuscan as an excuse

[oceantools]

I thought Admiral were useless when I spoke to them! According to their computer, my 1964 Volvo P1800 does not exist as they stopped making them in 1963!! Eh?? I thought they made 'em until about 1973...

My multi-car policy is through a broker and is with RSA (Royal Sun Alliance).

[GlynMo]

GR1FF1F said:

GlynMo said:

GR1FF1F said:

Di, have you considered putting the V8 and the XK on the same policy. I did that, + TVR + more and total cost is not much more than your 1,350. Also spectacularly simple to renew. Track days, European cover all in. Not sure of excess, but it's in the hundreds, and let's face it you don't claim unless there's a significant bill to pay.

Can you tell us who the insurer is? I tried to buy a multi-vehicle policy and as soon as I mentioned 'Aston Martin' they ran away!

Used to be known as Sunninghill, now Jelf Group. Policy is with Chaucer. Others on here also recommend Admiral

Thanks, will try them. Used Admiral's on-line quote generator this morning and it produced a stunningly good quote. However, as it has an annual limit of 90 days continental cover, it's no use to me as I spend a lot of time in S of France.

[Matt From Flux]

lady topaz said:

Having a bit of a blonde moment as to what is the best way to go.
My renewal comes out at either £1,000 with £700 excess or £1350 with £500 excess.
Which is the best option or can anyone suggest an alternative. Need to act swiftly.

Thanks

Di

I can get someone hear to have a look at it if you want to send me your details.

[lady topaz]

Matt From Flux said:

lady topaz said:

Having a bit of a blonde moment as to what is the best way to go.
My renewal comes out at either £1,000 with £700 excess or £1350 with £500 excess.
Which is the best option or can anyone suggest an alternative. Need to act swiftly.

Thanks

Di

I can get someone hear to have a look at it if you want to send me your details.

Thanks Matt. I have already tried Flux. pm me if you think you can requote and I will give my details though I assume you may probably have them on record.