Insurance Co Recommendations

[RicM5]

Hi all
My 991.2 GTS insurance is due 10/2/24
Currently with Manning Uk who have just quoted
£945 (with active tracker which costs approximately £200 p/a)
£1573 (without active tracker)

I’m 52 with full no claims
1 sp30 in September 2020
The car is garaged and there’s a 5000 mile limitation
I have along history of driving performance cars

This seems totally absurd it was £700 last year with active tracker

Can anyone recommend a more competitive company or is this really where we’re at?

Thanks
Ric

[NDA]

I think it's a case of ringing around unfortunately.... I read that applying 26 days out (or something like that) is the optimum time to get a quote.

I've just insured a couple of cars and saved £600 by switching from Direct Line to Admiral - but obviously every situation is different.

[David W.]

I thought Adrian Flux were having a laugh when they presented me with a renewal increase proposal of 34% to just over £1k for a 991 C4S cab. It’s rural postcode, restricted mileage but has some business mileage included, garaged, 2 named drivers over 60 with full NCBs but no tracker needed. I shopped around and couldn’t beat it even with requirement of having tracker subscription. No way was I carrying a second fob as I have to have already for Cayenne (“as they get stolen to ram raid”)which is on business fleet.

[LemonTart]

Classic Line are worth a call.

[Hereandthere]

LV was good for me when I insured my 18 reg 991.2 Targa 4 GTS in 2021 ( I sold the car at the end of December 2021 and am waiting for prices of high-end cars to drop further before buying another car May/June of this year). I paid £189.00, which was over £1000 less than the quote I got from a broker I had used for a number of years. In 2021 I was 63, had 40 plus years of NCB (Though LV only give you credit for a max of 9 years NCB) and confirmed that the car could be taken to a Porsche dealer for repair if it was on their list of approved repairers. If the repairer was not on the list for that year (It changes yearly), I would have had to pay £150.00 if I wanted to use a repairer of my choice. My total excess was £1000 ( £400 plus £600 voluntary). Oh, and LV insure the car not the driver so anybody over 25 was able to drive it fully comprehensive.

To maintain ny NCB ( It falls by the wayside if it is not used within 2 years), I insured my son's 66 reg Porsche Boxster in October 2023 with LV and that cost me £255.00- an increase of £40 compared to what my son paid to insure the car the previous October.

Ivan

I meant to add that I had to activate the tracker at a yearly cost of around £150 as the car was at the time, and probably still is, worth more than £80K

Edited by Hereandthere on Wednesday 17th January 19:04

[Cheib]

Renewed on my air cooled 911 with Chubb in Dec, same premium as last year.

Track days covered for those who are struggling with that.

[G-996]

I recommend:
Direct Line, LV - I previously used each of them for my 996
Admiral - I use them for my 992, I found few insurers would cover a vehicle of value > £100k

[Fnumber1user]

You in PCGB, worth trying Locktons. I was braced for a 25% increase based on expected contemporary data, lucked out and a mere £20 increase apx 2.5%.

[av185]

NFU worth a call but make sure you ring an office not their central number for the best quote.

NFU changed their policy a couple of years back by insisting on tracker for cars worth over c£75k.

FAIK Admiral are the only insurers who currently do not insist on tracker on higher end stuff.

[RicM5]

Thanks all
Appreciate the advice
I’ll get on the blower tomorrow
Love the pistonheads community 🙏

[supersport]

If you are in PCGB and attend their events, Admiral exclude these events, which is a bit la la.

But they are cheap.

[elisered]

Switched to the Locktons PCGB scheme this week; competitive price, no tracker required, agreed value (self certified up to I think £150k), choice of repairer, OEM windscreen replacement and a bunch of other fringe benefits. Aviva are the underwriter and I could have renewed direct with them for virtually no increase at a significantly lower cost but I wanted to switch to a policy that was more aligned to the car.
If you go for a mainstream insurer you will (perhaps) pay less but you definitely won’t get the same level of cover so caveat emptor.
I tried all the usual suspects and there was a wide variation in prices and or conditions so unfortunately you probably do need to dedicate some time to renewing.

[SV_WDC]

Just renewed with Locktons & was pleasantly surprised they were slightly cheaper than last year. Had been bracing myself for a massive, inflationary rise

You could also try Insure with Porsche who provide the OPC drive-away insurance. Underwritten by Chubb. https://www.insurewithporsche.co.uk/

[RicM5]

Porsche insurance £1916
Admiral next

[Cosworth4388]

RicM5 said:

Porsche insurance £1916
Admiral next

I had to go Admiral in the end last week .
I’ve got a 991.2 Targa gts
Last year I paid £475 with Carol Nash , this year went with Admiral and paid £550.
I’m 53 max no claims , no points on my licence etc , 3000 miles a year as I never do more than that , my tracker is also inactive and I’ve never actually activated a tracker for any car I’ve owned .

[RicM5]

That sounds more like it

[Maxym]

I'm in the process of doing a renewal now. Axa last year c£450, now asking c£1,500 - clearly they don't want to insure cars like mine. Admiral £680 for similar cover.

[Mankers]

av185 said:

NFU worth a call but make sure you ring an office not their central number for the best quote.

NFU changed their policy a couple of years back by insisting on tracker for cars worth over c£75k.

FAIK Admiral are the only insurers who currently do not insist on tracker on higher end stuff.

I’ve just reinsured with Privilege, no tracker required (apparently none last year as well, but they didn’t tell me!). I asked if this is the case for all cars now, they stated yes, no tracker required.

Car is 991.1 GT3

[av185]

Mankers said:

av185 said:

NFU worth a call but make sure you ring an office not their central number for the best quote.

NFU changed their policy a couple of years back by insisting on tracker for cars worth over c£75k.

FAIK Admiral are the only insurers who currently do not insist on tracker on higher end stuff.

I’ve just reinsured with Privilege, no tracker required (apparently none last year as well, but they didn’t tell me!). I asked if this is the case for all cars now, they stated yes, no tracker required.

Car is 991.1 GT3

Interesting, thanks.

[jeebsy]

Sheilas wheels were most competitive when I changed my mk3 Audi TTS to a Cayman GTS last year. Aviva wanted over 3.5k to sub the vehicle onto my existing policy and a tracker fitted but SW came in about 750 with no tracker requirement. There were cheaper but you find out the really cheap insurance is really cheap for a reason.