Insurance Your details only

[Victor Kiam]

Owner: Victor Kiam
Age: 34
NCB: 9yrs (protected & guaranteed)
Convictions: SP30 12/2003 for the named driver (added an extra 30GBP to the quote)
Any other drivers? Yes, fiancé

Year of Roadster: 05
UK / EU / or J-spec: UK
Colour: Black
Gearbox: Manual
Hardtop? Yes

Location: Oxfordshire
Garaged? Driveway
Insurance Company: Admiral
Underwriter if Applicable:

10 month or 12 month policy? 12 month
Total Cost: £293

Modifications: None (Will not insure if you have more than 2 modifications) I had stereo & alloys as my 2.
Is the Value of Modifications Covered? N/A

Business Cover? No
Trackday Cover? No

Claim Experience if Any? My old MR2 SC was hit when parked in drive!!!  Fixed promptly & got no claims back.
Theft – broken window, damage to dash, stereo, speakers, amp & CD Changer approx £2500 in total.  All sorted out very quickly.  Both claims with Admiral.

Any General Comments?  I've been generally impressed.  Prices were online, about 50 GBP higher over the phone.  Also do two car cover, but that only brings it down to online prices.

[Anonymous]

Owner: Fastboy
Age: 28
NCB: 5 years protected
Convictions: SP30 - Oct 01
Other drivers: The other half
Year of Roadster: 00
UK/EU/Jap: UK
Colour: Black
Gearbox: Manual
Hardtop: No

Location: Hookwood, Surrey
Garaged: Yes

Insurance Company: Adrian Flux
10 or 12 month policy: 12
Total cost: £420

Modifications: None yet!

Business cover: Yes
Trackday cover: Probably not

Claim experience:

1 claim in Nov 04 - Dozy bint in a Volvo pulled out of a side road, wiping me and my poor ZX6R out. The 6R never made it back to the road (RIP) and was a write off and I also got some PI. Total claim prob about £6.5k but was settled no fault on my behalf so didn't affect my ncb on my bike policy but it is still declared for insurance purposes.

[Anonymous]

Owner: Bonnie
Age: 24
NCB: 3 Years
Convictions: None
Other drivers: The other half   s:cry: :cry: s:cry:  (dont like sharing)
Year of Roadster: 00
UK/EU/Jap: UK
Colour: Black
Gearbox: Manual
Hardtop: No

Location: Newington, Kent
Garaged: Yes

Insurance Company: Elephant
10 or 12 - 10 month (Bonus Accelerator)
Total Cost £550 (approx)

Modifications: None yet!

Business cover: Yes
Trackday cover: Probably not

  s:P s:P

[Chris_h]

Owner: Chris
Age: 30 (when cover taken out)
NCB: 13 Years (lifetime protection)
Convictions: None
Other drivers: none
Year of Roadster: 02
UK/EU/Jap: UK
Colour: Black
Gearbox: Manual
Hardtop: No

Location: Nice (well, low risk anyway!) bit of Cheshire
Garaged: no

Insurance Company: More Than
10 or 12 - 12 mnth
Total Cost £290 (approx) excess c. £300

Modifications: They only want to know of power mods - so none

Business cover: No
Trackday cover: No

[Anonymous]

Owner: Rob250881
Age: 24
NCB: 3 years
Convictions: None
Other drivers: none
Year of Roadster: 2000
UK/EU/Jap: UK
Colour: Black
Gearbox: Manual
Hardtop: No

Location: Gated RAF base with a nice man with a SA80 assault rifle on the gate!
Garaged: no

Insurance Company: Direct Line
10 or 12 - 12 mnth
Total Cost £540

Modifications: none

Business cover: Yes
Trackday cover: No

[Anonymous]

Owner: Richard D
Age: 25
NCB: 5yrs (protected)
Convictions: SP30 08/2002 for the named driver
Any other drivers? Yes, girlfriend

Year of Roadster: 01
UK / EU / or J-spec: UK
Colour: Silver
Gearbox: Manual
Hardtop? No

Location: Milton Keynes, Bucks.
Garaged? Driveway
Insurance Company: Admiral
Underwriter if Applicable:

10 month or 12 month policy? 12 month
Total Cost: £508.99

Modifications: Che Manifold
Is the Value of Modifications Covered? No

Business Cover? No
Trackday Cover? No

Claim Experience if Any?
Any General Comments?

[celmacmat]

Owner: Celine M-M
Age: 35
NCB: 4yrs (protected)
Convictions: SP50 23/06/05 for the named driver
Any other drivers? Yes, Husband

Year of Roadster: 03
UK / EU / or J-spec: UK
Colour: Yellow
Gearbox: Manual
Hardtop? yes

Location: Cheshire
Garaged? Private Property
Insurance Company: Adrian Flux
Underwriter if Applicable: Royal & Sunalliance

10 month or 12 month policy? 12 month
Total Cost: £459 including Flux Rescue - £500 excess

Modifications: none
Is the Value of Modifications Covered? n/a

Business Cover? No
Trackday Cover? No

Claim Experience if Any? none
Any General Comments?

[Anonymous]

Owner: Moleshome
Age: 45
NCB: 9yrs (protected)
Convictions: None
Any other drivers? No

Year of Roadster: 01
UK / EU / or J-spec: UK
Colour: Silver
Gearbox: SMT
Hardtop? yes

Location: Berkshire
Garaged? Driveway
Insurance Company: More Th>n
Underwriter if Applicable: Royal & Sunalliance I think

10 month or 12 month policy? 12 month
Total Cost: £275

Modifications: none
Is the Value of Modifications Covered? n/a

Business Cover? No
Trackday Cover? No

Claim Experience if Any? none
Any General Comments?

[spit]

Owner: Ste
Age: 40
NCB: Full & Protected
Convictions: None
Any other drivers? No

Year of Roadster: 99
Uk / EU / or J-spec: J-Spec
Colour: Red
Gearbox: Manual
Hardtop? Yes

Location: Manchester's 2nd-worst postcode for Insurance  s:cry: :cry: s:cry:  
Garaged? Yes
Insurance Company: Frizzell
Underwriter if Applicable: L&V

10 month or 12 month policy? 12 month
Total Cost: £612

Modifications: Oh Yes!
Is the Value of Modifications Covered? Yes

Business Cover? Yes, full
Trackday Cover? Didn't ask

Claim Experience if Any? None so far

Any General Comments? No hassle covering the MR-S. Modification-friendly for existing L&V policyholders. No power limits etc and all covered under general classifications such as chassis/suspension, intake, exhaust - so useful if you're continually tinkering. Changes within the agreed categories do not affect the premium! (eg move from CAI and twin exhaust to Turbo  s:wink: :wink: s:wink:  ).

[roger]

Owner: roger
Age: 58
NCB: 2 yrs this car, but took 9+ years into account on other car.
Convictions: 1x SP30
Other drivers: Wife

Year of Roadster: 04
UK/EU/Jap: UK
Colour: Sable
Gearbox: Manual
Hardtop: No

Location: Rural Oxfordshire
Garaged: Yes (but declared no, since it doesn't cost any more)

Insurance Company: Service (AIG group)
Broker: Rob at A-Plan, Newbury (01635 521818) - knows his stuff!
10 or 12 month policy: 12
Total cost: £389, £200 excess. NO admin charge on changes!

Modifications: Unichip, Exhaust, Inlet, Body Kit, lowered etc etc. Also taken in work to be done, downpipe, CAI, 17" wheels.
Value of Mods covered: Yes

Business cover: Commuting
Trackday cover: Not requested.

Claim experience: No claims.

[firepower]

owner: phil
age : 42
NCB: 9yrs+
convictions : none
any other driver : no

year : 2001
uk/eu j-spec : uk
colour : silver
gearbox : 5sp manual
hardtop : no

location : manchester
garaged : no

insurance company : adrian flux
underwriter if applicable : equity red star
10 months 12 months policy : 12 months
total cost:£450

modifications : tte turbo
is the value of modifications coverd : yes

business cover : no
trackday cover : no
claim experience if any : none

[Anonymous]

Owner: Andie
Age: 21
NCB: 2yrs
Convictions: No
Any other drivers? Both parents

Year of Roadster: 05
UK / EU / or J-spec: UK
Colour: Silver
Gearbox: Manual
Hardtop? Yes

Location: Lanarkshire
Garaged? Driveway
Insurance Company: Bell Direct
Underwriter if Applicable: -

10 month or 12 month policy? 10 month
Total Cost: £525 (ish)

Modifications: No
Is the Value of Modifications Covered? -

Business Cover? No
Trackday Cover? No

Claim Experience if Any? No
Any General Comments? No

[enid_b]

Owner: Enid_b
Age: 33
NCB: 9yrs protected
Convictions: No
Any other drivers?No

Year of Roadster: 51
UK / EU / or J-spec: UK
Colour: Silver
Gearbox: Manual
Hardtop? Yes

Location: Manchester
Garaged? Driveway
Insurance Company: Quoteline Direct
Underwriter if Applicable: -

10 month or 12 month policy? 12 month
Total Cost: £420
Modifications: No
Is the Value of Modifications Covered? -not sure

Business Cover? No
Trackday Cover? No

Claim Experience if Any? No
Any General Comments? Best quote i had after days of trawling.  the mrs has her golf gti-t with them too.  vouchers given for having 2 cars with them

[Anonymous]

Owner - Owen
Age - 27, 7 years no claims
Convictions - 1 SP50
Any other drivers? - No

Year of Roadster - 2004
Uk / EU / or J-spec - UK
Colour - Grey (Sable)
Gearbox - Manual
Hardtop - No

Location - Surrey
Garaged - Yes

Insurance Company - Sainsburys Insurance
Underwriter if Applicable - Esure

10 month or 12 month policy? - 12month
Total Cost - £487

Modifications - No
Is the Value of Modifications Covered? - N/A

Business Cover? - No
Trackday Cover? - No

Claim Experience if Any? None to date

Any General Comments - I used  w www.insurancesupermarket.co.uk w  to compare quotes, would recommend this to everyone, much easier than calling round.

[Victor Kiam]

Owner: Victor Kiam
Age: 35
NCB: 10yrs
Convictions: SP30 12/2003 for named driver
Any other drivers? Wife

Year of Roadster: 05
UK / EU / or J-spec: UK
Colour: Black
Gearbox: Manual
Hardtop? Yes

Location: Oxfordshire
Garaged? Driveway
Insurance Company: Adrian Flux
Underwriter if Applicable: Royal and Sun Alliance

10 month or 12 month policy? 12 month
Total Cost: £286

Modifications: Hardtop, aircon & leather.  (All counted as mods. which most companies charge extra for, but won't pay out on!)
Is the Value of Modifications Covered? Yes

Business Cover? No
Trackday Cover? No

Claim Experience if Any?

Any General Comments? Initially quoted £250 with online form, but bumped it up a bit when I phoned (?admin. charge).  Elephant were £4 cheaper, but wouldn't cover mod. costs. Norwich Union "quoted me dissapointed" with £563!

[rtbiscuit]

Owner Rtbiscuit
Age 25 3 years no claims
Convictions 1 sp30 3 points
Any other drivers?  

Year of Roadster 02
Uk / EU / or J-spec: UK
Colour Blue
Gearbox Manual
Hardtop? Yes

Location Essex
Garaged? yes

Insurance Company adrian flux  
Underwriter if Applicable ensign

10 month or 12 month policy? 12month
Total Cost: £760

Modifications:exhaust. strut braces
Is the Value of Modifications Covered? Yes

Business Cover? No
Trackday Cover? No

Claim Experience if Any? None to date

Any General Comments

[Anonymous]

owner: me
age : 26
NCB: 1 yr
convictions : none
any other driver : no

year : 2001
uk/eu j-spec : uk
colour : black
gearbox : 5sp manual
hardtop : yes

location : chesterfield
garaged : no, driveway

insurance company : adrian flux
underwriter if applicable : cannot remember at this moment in time
10 months 12 months policy : 12 months
total cost: £878

modifications : yes
is the value of modifications covered : yes

business cover : no
trackday cover : no
claim experience if any : none

[Leeber]

Owner Leeber
Age 36 1 no fault claim 3 yrs ago
Convictions 2 sp30's for the mrs.
Any other drivers? Yes the mrs

Year of Roadster 06
Uk / EU / or J-spec UK
Colour Blue
Gearbox Manual
Hardtop? Yes

Location Kent
Garaged? No, driveway

Insurance Company Adrian Flux
Underwriter if Applicable Equity Red Star

10 month or 12 month policy? 12month
Total Cost £634

Modifications: SP stage one Kit.
Is the Value of Modifications Covered? Yes

Business Cover? Yes 500 miles
Trackday Cover? No.

Claim Experience if Any? None to date

Any General Comments

A-Plan did quote less, but if you cancel a policy with AF they sting you for £25 PLUS their commission (be warned).

[aaronjb]

Owner: aaronjb
Age: 28
NCB: 10yrs
Convictions: 1x SP30
Other drivers: None

Year of Roadster: 02
UK/EU/Jap: UK
Colour: Blue
Gearbox: Manual
Hardtop: Yes

Location: Slough - SL1
Garaged: No, on-street parking

Insurance Company: NIG
Broker: Adrian Flux
10 or 12 month policy: 12
Total cost: £393, £200 excess.

Modifications: TTE exhaust, TTE chrome rollbar, '03 vents, clear indicators, Corkys breastplate
Value of Mods covered: Yes

Business cover: No, SD&P only
Trackday cover: Not requested.

Claim experience: None.

[Anonymous]

Owner: Me (insured in girlfriends name)

Age: 28 (girlfriend 25)

NCB: 7yrs (FULLY PROTECTED)

Convictions: 1x SP30 (but not told them yet!!)

Other drivers: Insured in girlfriends name with me as second driver
(loads cheaper that way!)

Year of Roadster: 2001

UK/EU/Jap: UK

Colour: Blue

Gearbox: Manual

Hardtop: Yes

Location: Nottingham NG16

Garaged: Yes

Insurance Company: Direct Line
10 or 12 month policy: 12
Total cost: £500
Fully comprehensive!

Modifications: post 53 wheels with proxes fitted (not really a mod but i felt left out)
Value of Mods covered: No

Business cover: No Social, Domestic and Commuting
Trackday cover: None

Claim experience: None.

[uktotty]

Owner Russ
Age 39 9 years no claims
Convictions 1 sp30 and 1 MS90
Any other drivers? Nooooooooo

Year of Roadster 1999
Uk / EU / or J-spec Jap
Colour Black
Gearbox Manual
Hardtop? No

Location Berks
Garaged? No

Insurance Company Adrian Flux
Underwriter if Applicable

10 month or 12 month policy? 12month
Total Cost £980.74

Modifications None
Is the Value of Modifications Covered? Yes

Business Cover? No
Trackday Cover? no
Claim Experience if Any? None to date

Any General Comments

IF this were an MR2 and NOT and MR-S this quote would be £301 from a standard insurer, is there a better option for this?

[Ernie Ball]

Age: 44
Convictions: None
Other drivers: None

Year of Roadster: 2001
UK/EU/Jap: EU
Colour: Black
Gearbox: Manual
Hardtop: Yes

Location: Dublin, Ireland
Garaged: No; gated car park

Insurance Company: St. Paul Travelers
10 or 12 month policy: 12
Total cost: €2114 (approx £1400)
NCB: None

Modifications: None yet, but will be covered at no cost for antiflex plate, front strut tower brace, and member braces

Business cover: No
Trackday cover: No

Claim Experience if Any? None

Comments:
I'm doubly fukked by: 1) living in Ireland; 2) being an immigrant from a non-EU country (so my 27 years of driving experience count for naught).  Insurance in Ireland (like everything else about car ownership; strike that, like everything else full stop) is a giant rip-off.  s:evil: :evil: s:evil:    s:evil: :evil: s:evil:

Things have changed for the better since I posted that (other than now being 2 years older  s:( s:( ).  Now, with 2 years of no claims bonus my annual premium is down to a much more reasonable €710 (£481), or about a third of what I paid initially.

I'm with the same insurance company, but they are not exactly mod-friendly.  I have to inform them in writing of every mod and they respond . . . with a phone call.  Typical.

[MisterK]

Owner MarkK
Age 50 - 30 years no claims
Convictions - None - totally clean
Any other drivers? Yes the wife

Year of Roadster - 04
Uk / EU / or J-spec  - UK
Colour - Astral Black
Gearbox - Manual
Hardtop? - No

Location - North Warwickshire
Garaged? Yes

Insurance Company - Barclays
Underwriter if Applicable - Gresham Insurance

10 month or 12 month policy? - 12month
Total Cost £253

Modifications - TTE exhaust. Style Bar, Front spats & Sports Spoiler
Is the Value of Modifications Covered? No

Business Cover? No
Trackday Cover? No

Claim Experience if Any? None to date

Any General Comments
Up to 3 mods allowed (bodywork counts as 1) and all documented on policy.  Get new quote via Internet each year - Churchill looking good.

[VVT-i]

Owner  s:D s:D avy
Age 39, 2 years no claims (on this policy)
Convictions :none
Any other drivers? Yes the Wife

Year of Roadster :2005
Uk
Colour :Black
Gearbox :Manual
Hardtop? Didn't ask

Location Bo'ness
Garaged? No (in Driveway)
Insurance Company :Adrian Flux
Underwriter if Applicable :Equity
10 month or 12 month policy? :12month
Total Cost £530.00
Excess :£300
Modifications :http://www.mr2roc.org/phpBB2/garage.php?mode=view_vehicle&CID=42
Business Cover? :No
Trackday Cover?  s:D s:D idn't ask

Claim Experience if Any? :None to date

Any General Comments :The person I spoke to seemed to know his stuff RE Modifications. I also took breakdown cover which includes European cover.

[SimonC_Here]

Owner SimonC_Here
Age 30, 5 years no claims (protected)
Convictions - SP60 3 points  s:( s:(
Any other drivers? Yes Fiancee

Year of Roadster - 2000
Uk / EU / or J-spec  - UK
Colour - Cape green
Gearbox - Manual
Hardtop? - No

Location - Oxford
Garaged? No

Insurance Company - Adrian Flux
Underwriter if Applicable - Royal & Sun alliance
10 month or 12 month policy? - 12month
Comprehensive: Yes
Total Cost £598.01
Excess: £350

Modifications - TTE exhaust, Unichip, Corky's, Cusco FSB, Apperance mods (see garage)

Is the Value of Modifications Covered? Yes

Business Cover? No
Trackday Cover? No
19,000 miles/year limit.

Claim Experience if Any? None to date

Any General Comments
Damn revenue generators (speed camera) has pushed my premium up to almost what it was 4 years ago. Was business cover but I don't need it this year.
Did get a cheaper quote from A-Plan (£481) but mods were on replace for stock cover. Not sure how that works as most of my mods don't replace stock parts, but there you go.

Simon