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The Insurance Zone Want to insure your ride but not sure of wheres best.. Well, put a post here and others should be able to help!

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Old 11-01-2017, 02:47 PM   #51
Soul boy 68
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Originally Posted by Alfieharley1 View Post
Did you mention you was part of a club & Adrian flux is a member on detailing world as I'm sure they would have offered more discount?


I was not aware of this Alfie, I will give them a call and find out.


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Old 11-01-2017, 02:59 PM   #52
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Originally Posted by ashleyman View Post
some of the people you speak to just don't have a clue what stuff is and what it does.


Reminds of a convo I had many years ago when I was declaring a stainless steel dump valve that replaced a plastic broken one.

"We don't cover cars with dump valves, sorry, we'll have to cancel your policy"
"You've covered me for three years while the car had a standard dump valve?"
"If we'd known the car had a dump valve we wouldn't have covered it"
"It's always had a dump valve since it left the factory"
"Sorry"
"So what's the situation if I get a new factory fit dump valve and fit that?"
"You've told us it has a dump valve so that's on file and we can't cover you any more"
"It's always had a dump valve since it left the factory"
"Sorry"

This went round in circles for some time then I gave up
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Old 11-01-2017, 05:24 PM   #53
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Originally Posted by Soul boy 68 View Post
I guess my only quote so far from a specialist insurance company of £632 isn't so bad then.
if only i was in a position to be able to afford one , lovely looking car. This was just under my own insurer as they have been the cheapest more or less for several years now on both the Fiesta ST (£263) and the little mk6 diesel (£303). Just went through comparethemarket and the M2 came out at £477 with a 600 excess which surprised me
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Old 11-01-2017, 06:12 PM   #54
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Originally Posted by Christian6984 View Post
if only i was in a position to be able to afford one , lovely looking car. This was just under my own insurer as they have been the cheapest more or less for several years now on both the Fiesta ST (£263) and the little mk6 diesel (£303). Just went through comparethemarket and the M2 came out at £477 with a 600 excess which surprised me

All sounds good Christian £477 that's until you delve deeper and start declaring mods or even dealership fitted options and then it all starts to go Pear shaped. I have now learn't that performance car specialist insurance is the way to go. Thanks for the kind comment by the way. £477 is basically factory spec and how many M2 owners are really not going to mod their cars up? especially with a tunable engine


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Last edited by Soul boy 68; 11-01-2017 at 08:27 PM.
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Old 11-01-2017, 06:32 PM   #55
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Originally Posted by Soul boy 68 View Post
OK chaps, I have settled with Adrian Flux:

£630 including with £150 excess, legal cover up to £100,000, windscreen cover, courtesy car, protected NCB and roadside assistance and they will replace like for like in an event of an accident, they have given me 5% discount on my dash cams also so all in all I an satisfied. I will make a note of all those other insurers that you guys have listed in readiness for 2018 renewal.



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Glad you got it sorted, next year will be better as you will have owned the car for a while, and this makes a noticeable difference high performance motors.

Out of interest, which insurance company did they put you with?
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Old 11-01-2017, 06:35 PM   #56
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Originally Posted by willywonker View Post
Glad you got it sorted, next year will be better as you will have owned the car for a while, and this makes a noticeable difference high performance motors.

Out of interest, which insurance company did they put you with?

For the life of me I can't remember, once I get the paperwork I'll let you know, by the way what do you mean by a noticeable difference? In performance or in the premium for the following year?


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Old 11-01-2017, 07:10 PM   #57
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Originally Posted by Soul boy 68 View Post
For the life of me I can't remember, once I get the paperwork I'll let you know, by the way what do you mean by a noticeable difference? In performance or in the premium for the following year?


Attachment 49340
Sorry, difference in your premium. quite a few insurers will avoid high performance cars in the first year of ownership, as this is when you're most likely to stack it. So this time next year (hopefully claim free) you should see either reduced premiums and more insurers quoting for you.
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Old 11-01-2017, 07:34 PM   #58
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Originally Posted by willywonker View Post
Sorry, difference in your premium. quite a few insurers will avoid high performance cars in the first year of ownership, as this is when you're most likely to stack it. So this time next year (hopefully claim free) you should see either reduced premiums and more insurers quoting for you.

I hope you're right fella, it's been a real ball ache.


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Old 11-01-2017, 08:23 PM   #59
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Originally Posted by Soul boy 68 View Post
All sounds good Christian £477 that's until you delve deeper and start declaring mods or even dealership fitted options and then it all starts to go Pear shaped. I have now learn't that performance car specialist insurance is the way to go. Thanks for the kind comment by the way. £477 is basically factory spec and how many M2 owners are really not going to mod there cars up? especially with a tunable engine


Attachment 49337
very true, shame they cant make it as simple as and extra box on the quote to quantify the cost of mods and dealer fit accessories and take that into consideration when pricing. I had to check when i got the ST what was and wasn't a modification in their opinion as the tick boxes were some what vague. The clear lens indicators to get rid of the fried egg look had to be declared but the shorter aerial so i can get it in and out of the garage didnt... its a crazy world as dont think if anything bad happened to the the car id be chasing the cost of either as it probably is less that £40.
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Old 12-01-2017, 10:22 AM   #60
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Did you try keith michaels?
They were very good with my modified Impreza.

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