Insurance... again
Discussion
Hi everyone, quick question re insurance. It's renewal time and for past few years I've been with NFU. Premiums have been gradually going up and this year now over £600 for a V12 Vantage manual (2013) with miles limited to 3k. Live in North London. Any good reccomendations out there? thanks Mark
As per a previous insurance topic, after the NFU trebled mine and other AM PHers' renewal premiums, quite a few years ago, I assumed that insurer was wiping its book clear of low annual mileage, carefully driven Aston Martins.
Try Aviva Direct.
Perhaps your location might not be the lowest risk area.
As David says, Aviva Direct offered me the cheapest quote - but I think it depends on what you're after. Aviva provide the AMOC insurance so they'll know about Aston Martins, but the Aviva Direct policy is really stripped out (you can add stuff back in, at a cost) and at basic says they'll use their repairers and the reserve the right to use pattern or recycled parts to repair a car.
In the end I went with the AMOC scheme through Locktons - considerably more, but peace of mind
In the end I went with the AMOC scheme through Locktons - considerably more, but peace of mind
petesv8v said:
If you have PPF be aware a number of the main stream insurance providers now regard this as a modification and wont cover the car - Aviva is one and have recently experienced this and had to renew elsewhere
This seems completely bizarre.I have front end PPF and am currently insured with Aviva. When applying for insurance I have never been asked if my car has PPF and have certainly never considered volunteering this as a "modification". Did they ask you directly if your car had PPF?
I can understand them wanting to know because it increases the payout on bodywork repairs if the PPF is re-instated as part of the work. Of course, they could instead just exclude the PPF from the cover they provide i.e. they will repair the panels but not cover the PPF being replaced.
Please clarify exactly what you know about this PPF insurance issue and how you came about this information. Thanks.
Here is one of the discussion I have seen on the topic
https://www.pistonheads.com/gassing/topic.asp?h=0&...
https://www.pistonheads.com/gassing/topic.asp?h=0&...
V8V Pete said:
This seems completely bizarre.
I have front end PPF and am currently insured with Aviva. When applying for insurance I have never been asked if my car has PPF and have certainly never considered volunteering this as a "modification". Did they ask you directly if your car had PPF?
I can understand them wanting to know because it increases the payout on bodywork repairs if the PPF is re-instated as part of the work. Of course, they could instead just exclude the PPF from the cover they provide i.e. they will repair the panels but not cover the PPF being replaced.
Please clarify exactly what you know about this PPF insurance issue and how you came about this information. Thanks.
There was a letter and reply in Autocar magazine recently. IIRC Porsche tells its customers to declare to insurance.I have front end PPF and am currently insured with Aviva. When applying for insurance I have never been asked if my car has PPF and have certainly never considered volunteering this as a "modification". Did they ask you directly if your car had PPF?
I can understand them wanting to know because it increases the payout on bodywork repairs if the PPF is re-instated as part of the work. Of course, they could instead just exclude the PPF from the cover they provide i.e. they will repair the panels but not cover the PPF being replaced.
Please clarify exactly what you know about this PPF insurance issue and how you came about this information. Thanks.
Unless it was standard fitment to the car it counts as a 'modification'.
Another vote for Saga for my previous VH Vantage ... in the end I got a 3 year fixed price with no penalty clause for early termination if I sold the car (which I did) ... in all 7k miles a year £240 fully comp.
However, Saga wanted £2500 for my 2C Vantage and I ended up with Admiral at £400.
However, Saga wanted £2500 for my 2C Vantage and I ended up with Admiral at £400.
BiggaJ said:
Another vote for Saga for my previous VH Vantage ... in the end I got a 3 year fixed price with no penalty clause for early termination if I sold the car (which I did) ... in all 7k miles a year £240 fully comp.
However, Saga wanted £2500 for my 2C Vantage and I ended up with Admiral at £400.
Another old git with a Saga 3 year deal, they promise to hold the renewal price for 3 years which for me has been a £1 under £300, only issue is you have to be over 50, and they do not seem to like the newer more expensive cars, when I enquired about a quote for a 2019 Vantage the existing insurer wasn't even interested in quoting.However, Saga wanted £2500 for my 2C Vantage and I ended up with Admiral at £400.
But I've also not had to use the insurance, so couldn't comment on how good they are when it's needed.
"This seems completely bizarre"
My understanding is that you must report the fitting of PPF as a modification as not to do so is likely to result in a claim being dismissed. I have an R8 and my son has a Mustang Dark Horse, both insured with Admiral, and we were told to show the PPF as a modification. The sub category for reporting the PPF is: "Exterior decorative changes". The cars did did not cost anymore to insure but we both now have peace of mind that Admiral knew about it when calculating the premium.
My understanding is that you must report the fitting of PPF as a modification as not to do so is likely to result in a claim being dismissed. I have an R8 and my son has a Mustang Dark Horse, both insured with Admiral, and we were told to show the PPF as a modification. The sub category for reporting the PPF is: "Exterior decorative changes". The cars did did not cost anymore to insure but we both now have peace of mind that Admiral knew about it when calculating the premium.
markd51 said:
Thanks all for replies, really helpful. Also have PPF on front end and didn't have a clue that's treated as a modification!
It's not really a new thing. I can't recall the ins. co. now but I recall reading one explaining that it was a modification and the reason they needed to know was that the cost to put the car back to the same condition was higher due to the need to remove/replace. Another one, again can't recall which one, stated that they would not offer cover if PPF is applied.
Simpo Two said:
Spurred on by all this talk of Saga, I just got a quote.
£2290.79
£2290.79
I expect that includes their compulsory Saga holiday.
A one week cruise for £2,000, or for anyone who can stand it, two weeks for £1,000.
Anyway John, you are not old enough to be eligible for Saga yet.
Talking of age, reminds me. Here is a joke for you to keep ready for the right occasion.
A person says to you, "It is my 70th birthday today".
To which you reply, "But you don't look 70".
Long pause - - -
"You did 10 years ago".
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