Insurance Your details only

Started by markiii, February 5, 2004, 18:26

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Peter Wright

#25
Owner Pete

Age 54

Full No Claims

Convictions No

Any other drivers No

Year of Roadster  01

 J-spec

Colour Black

Gearbox  Manual

Hardtop No

Location Norwich

Garaged  Yes

Insurance Company  Direct Line

Underwriter if Applicable  No

10 month or 12 month policy  12month

Total Cost £220

Modifications Yes.

Is the Value of Modifications Covered  No

Business Cover  Yes

Trackday Cover  No

Claim Experience if Any   None to date

Restrictions   5000 miles per year
Pete.  1999 MRs.  Power Enterpise Turbo, Greddy Ultimate, Davids style bars,  Walnut Dash Kit,  2003 side pods, Chrome Mirrors & Windscreen Surround, TRD Spoiler, H&S quad exhaust, Corkeys Breast Plate, TRD Member braces, Fox Racing lightweight 17" racing alloys.

Anonymous

#26
Owner                              Emmanuel
Age                                  29 0 NCB
Convictions                       No
Any other drivers?             No

Year of Roadster               52
Uk / EU / or J-spec            UK
Colour                             Silver Haze
Gearbox                          Manual
Hardtop?                          No

Location                          Cheshire
Garaged?                        Parked on private parking

Insurance Company         AXA
Underwriter if Applicable  

10 month or 12 month policy?   12month
Total Cost   £1100

Modifications                     N/A                
Is the Value of Modifications Covered?    

Business Cover?                 No
Trackday Cover?                No

Claim Experience if Any?     Yes, they were excellent.  The car was taken to the Mercedes garage where they did an excellent job.  No hustle whatsoever

Any General Comments
Axa is a huge company and as such they have no problem with claims.  Unfortunately, they do not allow any modifications.

markiii

#27
bump
Gallardo Spyder<br />Ex Midnight Blue 911 T4S<br />EX VXR220<br />Ex Custom Turbo 2001 Sahara Sun MR2 Roadster 269bp, 240lbft<br /><br />MR2ROC Committee 2002 - 2009<br /><br />

aaronjb

#28
Owner                                    aaronjb
Age                                      25, 7 years NCB
Convictions                              None
Any other drivers?                       Yes, my dad

Year of Roadster                         52
Uk / EU / or J-spec                      UK
Colour                                   Blue
Gearbox                                  Manual
Hardtop?                                 Yes

Location                                 Slough, Berkshire
Garaged?                                 No

Insurance Company                        Bell Direct
Underwriter if Applicable                Admiral Group

10 month or 12 month policy?             12month
Total Cost                               £860 (£200 excess)

Modifications                            TTE Exhaust, hardtop, TTE chrome style-bar, '03 vents
Is the Value of Modifications Covered?   No

Business Cover?                          Yes, Class 1
Trackday Cover?                          No, specifically excluded

Claim Experience if Any?                 None to date

Any General Comments

Pretty helpful people, generally seem to know how to get the lowest quote whatever your mods (as long as they're not too excessive), but the value of mods won't be covered.
[size=85]2001 Vauxhall Omega 3.2V6 Elite / 2003 BMW M3 Convertible / Dax 427 (in build)
ex-2002 MR2 TopSecret Turbo Roadster[/size]

Anonymous

#29
Owner Andy S
Age 32 9 years no claims
Convictions No
Any other drivers? Yes the wife (1 at-fault recent claim)

Year of Roadster 53
UK
Colour Sable
Gearbox Manual
Hardtop? No

Location Ashford, Kent
Garaged? Yes

Insurance Company Tesco
Underwriter if Applicable

10 month or 12 month policy? 12month
Total Cost £720 incl protected no claims

Modifications No
Is the Value of Modifications Covered? not applicable

Business Cover? Yes
Trackday Cover? No

Claim Experience if Any? Other car also insured with Tesco, recent claim brilliantly dealt with, no paperwork needed!

Anonymous

#30
Owner: - me
Age: - 25
Convictions: - None
Any other drivers?: - Girlfriend, 23

Year of Roadster: - 02 (52 plates)
Uk / EU / J-Spec - Uk
Colour - Silver
Gearbox - Manual
Hardtop? No

Location: Surrey
Garaged?: Yes

Insurance Company - Elephant
Underwriter if Applicable - Admaral

10 month or 12 month policy? - 12month
Total Cost - £498

Modifications: - none
Is the Value of Modifications Covered?: - No

Business Cover?: - No
Trackday Cover?: - No

Claim Experience if Any? - New Windscreen - nothing else

interesting to note - by adding my girlfriend the price came down nearly £100

Anonymous

#31
Owner:                            Dave
Age:                                32 Full NCB
Convictions:                     None yet
Any other drivers:            Yes the Wiff (main driver on insurance) Full NCB

Year of Roadster:              02
Uk / EU / or J-spec:           UK
Colour:                            Silver
Gearbox:                         Manual
Hardtop:                         No

Location:                         North Lincs
Garaged:                        Yes

Insurance Company:        Toyota
Underwriter if Applicable:  Aioi Insurance Co of Europe Ltd   s:?: :?: s:?:  

10 month or 12 month policy:   12month
Total Cost:   £443.67

Modifications: Bodykit - wheels - exhaust - roll bars - chrome air intakes - fog lights - other bits n pieces

Is the Value of Modifications Covered:    Yes

Business Cover:                 SD & P & commuting to & from work
Trackday Cover:                 No

Claim Experience if Any:     None yet & hopefully never  s:!: :!: s:!:  

Any General Comments: If car bought new from Toyota & extras fitted in first 6 months by Toyota, they will not load your insurance premium

Anonymous

#32
Owner: Me
Age: 31 Full NCB (10 years ish)
Convictions: No
Any other drivers: Yes the GF with claim

Year of Roadster: 00
Uk / EU / or J-spec: UK
Colour: Silver
Gearbox: Manual
Hardtop: No

Location: North Ayrshire scotland
Garaged: No

Insurance Company: Direct Line
Underwriter if Applicable:

10 month or 12 month policy: 12month
Total Cost: £312 ish

Modifications: None

Is the Value of Modifications Covered: No

Business Cover: SD & P & commuting to & from work
Trackday Cover: No

Claim Experience if Any: None yet & hopefully never  

Any General Comments: Excellent price, cheaper when added my gf who is a bit older than me!

Anonymous

#33
Owner: TreaclePumpkin
Age: 37 6+ years no claims
Convictions: 1 sp50 for me.
Any other drivers? the other half

Year of Roadster: 02
Uk / EU / or J-spec: UK
Colour: Silver
Gearbox: Manual
Hardtop? No

Location: Lincolnshire
Garaged? Yes and locked

Insurance Company: More Th>n
Underwriter if Applicable: n/a

10 month or 12 month policy? 12 month
Total Cost: £410 (Increased for 2004) - Includes legal insurance

Modifications: None
Is the Value of Modifications Covered? A big NO as I found out

Business Cover? To & From work
Trackday Cover? No

Claim Experience if Any? None to date

Any General Comments
£350 excess and limited to 12,000 miles a year.

Anonymous

#34
Owner: Lusaka
Age: 30 4yrs NCB
Convictions: None
Any other drivers: None

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

Location: Letchworth, North Herts
Garaged: No (Allocated parking)

Insurance Company: Toyota (managed by Royal & Sun Alliance)
Underwriter if Applicable: Aioi Insurance Co of Europe Ltd

10 month or 12 month policy: 12month
Total Cost: £646.82

Modifications: TRD Quick shifter, TRD member braces
Is the Value of Modifications Covered: Alledgedly

Business Cover: Social, Domestic & commuting to & from work
Trackday Cover: No

Claim Experience if Any: None

Any General Comments: Protected NCB

Anonymous

#35
Owner: Roadblade
Age: 31 Full NCB
Convictions: 1 SP30
Any other drivers: Wife (Just in case!)

Year of Roadster: 01
Uk / EU / or J-spec: UK
Colour: Red
Gearbox: Manual
Hardtop: Yes

Location: Co Durham
Garaged: Yes

Insurance Company: Norwich Union
Underwriter if Applicable:

10 month or 12 month policy: 12month
Total Cost: £505

Modifications: On their way
Is the Value of Modifications Covered: Didn't ask (Will cross that bridge later)

Business Cover: Yes
Trackday Cover: No

Claim Experience if Any: None

Any General Comments: Protected NCB

Anonymous

#36
Age: 23
Convictions: SP30, SP40
Other drivers: none

Year of Roadster: 2001
UK/EU/Jap: jap
Colour: red
Gearbox: Manual
Hardtop: no

Location: South Wales
Garaged: YES

Insurance Company: TESCO
10 or 12 month policy: 12
Total cost: £720
4 years NCB

Modifications: NONE
Value of Mods covered: No

Business cover: No
Trackday cover: No

Anonymous

#37
Owner------------Les
Age---------------52
Convictions------none
Other drivers----Wife
Year--------------02
UK
Colour-----------Silver
Gearbox---------Manual
Hardtop----------No
Location---------East Yorkshire
Garaged---------Yes
Insurance-------Norwich Union (All singing all dancing, protector etc,)
Period-----------12 months
Cost-------------£285
Mod's------------None
Business--------No
Trackday-------No
Claims exp-----None

Anonymous

#38
Owner: Ally
Age: 46 Full NCB Protected
Convictions: None
Any other drivers: None

Year of Roadster: 02
Uk / EU / or J-spec: UK
Colour: Blue
Gearbox: Manual
Hardtop: No

Location: Dundee
Garaged: No

Insurance Company: Toyota
Underwriter if Applicable: Aioi Insurance
10 month or 12 month policy: 12month
Total Cost: £460
Modifications: Yes

Is the Value of Modifications Covered: Yes
Business Cover: Yes
Trackday Cover: No

Claim Experience if Any: None

Any General Comments: No extra premium for adding exhaust - recognised as official Toyota accessory. Inlet Pipe / K&N combo attracted extra premium.

Anonymous

#39
Owner: Buster
Age: 20
Convictions: None,

Other drivers: none

Year of Roadster: 2000  
Colour: Red
Gearbox: Manual
Hardtop: No

Location: Chelmsford, Essex
Garaged: no off street parking

Insurance Company: Tesco
10 or 12 month policy: 12
Total cost: £1500

Modifications: None
Value of Mods covered: No

Business cover: No
Trackday cover: No

Claim experience: Accident 2 years ago over £10000 clam, 2 years NCB, claim was made on  a new feista as i got 2 years free insurance, then they refussed to insure me sold the car bought new one new policy everything ok now

Anonymous

#40
Owner:Ian Rowburrey
Age:27
Convictions:SP30
NCB:6 years
Other drivers:Wife

Year of Roadster: 2000
UK
Colour:
Black
Gearbox:Manual
Hardtop:No

Location:South Wales
Garaged:No

Insurance company:Toyota
Underwriter:AIOI

10 month or 12 month policy:12 months
Total cost:£534.74

Modifications:Exhaust
Is the value of modifications covered:?????

Business cover:Yes
Trackday cover:??????

Claims experience:None

Any general comments:This is fully comp doing 18,000 miles a year and my wife was free to add to the policy & has only had a licence for 9 months!!   s:D :D s:D

Anonymous

#41
Age: 33

Ncb: 5 Year protected NCB

Convictions: None

Car: 03 UK, Silver, Manual, H/Top

Region: Lancs

Housed: Driveway

Company: Eaglestar

Policy: 12 months

Price: £610

Mods: None

Business/Track: No

Claims: 1 claim (my fault  s:oops: :oops: s:oops:  £450 value 5/03)

Comments: Original quote for renewal (changed car halfway through insurance year) £690 on querying this price, they remebered some discounts they had neglected to apply! Always worth a phone call to query a renewal quote.

Anonymous

#42
Owner:                    Mike Yorke
Age:                        24 (4 years no claims)
Convictions:             none
Any other drivers?    none

Year of Roadster:      2000
Uk / EU / or J-spec:   UK
Colour:                    Silver
Gearbox:                 Manual
Hardtop?                  Yes

Location:                 Bristol
Garaged?                no, driveway

Insurance Company: Elephant.co.uk
Underwriter if Applicable: don't know

10 month or 12 month policy? 10month
Total Cost £650 (roughly)

Modifications:          Exhaust
Is the Value of Modifications Covered? No

Business Cover?      No
Trackday Cover?     No

Claim Experience if Any? None to date

Any General Comments

With Elephant.co.uk if you don't pay in a lump sum then they'll add 18% to the policy for monthly installments.

Anonymous

#43
Owner:Nicola
Age: 28
NCB: 10 years Protected
Convictions: None
Other Drivers: Boy friend (+Fully comp too)

Year of Roadster: 2001
UK/EU/or J-spec:  UK
Colour:  Blue
Gearbox:  Manual
Hard top?  No

Location:  S-L-H ESSEX
Garaged?  No driveway

Insurance company:  BELL DIRECT
Underwriter if applicable:  Not sure

10 or 12 month policy?  12 month
Total cost:£469.50

Modifications:  Exhaust and air intake
Is the value of modifications covered?  Yes

Business cover:  Yes
Track day cover:  No

Claim experience if any:  None


Anonymous

#44
Owner: StuG
Age: 26, 5+ years no claims
Convictions: 1 sp30  
Any other drivers: No

Year of Roadster: 2000
Uk / EU / or J-spec: UK
Colour: Sliver
Gearbox: Manual
Hardtop: Yes

Location: Wiltshire
Garaged: No, Driveway

Insurance Company: Direct Line

10 month or 12 month policy: 12month
Total Cost: £660 (with breakdown cover)

Modifications: None
Is the Value of Modifications Covered: NA

Business Cover: No
Trackday Cover: No

Claim Experience if Any: None

Anonymous

#45
Owner: ODUB
Age: 23
Convictions: None
Other drivers: My partner (0 NCD, 23 year old girl, post-grad)
Year of Roadster: 02
UK/EU/Jap: UK
Colour: Black
Gearbox: Manual
Hardtop: No

Location: Virginia Water, Surrey
Garaged: Yes

Insurance Company: Elephant
10 or 12 month policy: 10
Total cost: £660

Modifications: None (yet)
Value of Mods covered: No

Business cover: No
Trackday cover: No

Claim experience: None (1 Years no claims)

Bongo

#46
Age: 23
Convictions: none
Other drivers: Dad, 51, full ncb 1 SP30. (added £200 onto the premium  s:? :? s:?  )

Year of Roadster: 2001 Y
UK/EU/Jap: EU
Colour: Silver
Gearbox: Manual
Hardtop: Yes, covered whether it's on or off the car

Location: Staffordshire
Garaged: No, On Street.

Insurance Company: Direct Line
10 or 12 month policy: 12
Total cost: £1,270.50
0 years NCB, first car

Modifications: TRD Quickshift, Braided Brake Lines
Value of Mods covered: Yes

Business cover: Class 1
Trackday cover: No

Anonymous

#47
Owner CrazyDave
Age 34 - 9 years no claims (protected)
Convictions - Amazingly no
Any other drivers? - Yes the wife (also no convictions, even more amazingly!)
 
Year of Roadster - 04
Uk / EU / or J-spec - UK
Colour - Sable
Gearbox - Manual
Hardtop? - Yes
 
Location - Nottinghamshire
Garaged? - Yes
 
Insurance Company - Esure
Underwriter if Applicable - N/A
 
10 month or 12 month policy? - 12month
Total Cost - £359 (inc protected NCB and legal, £100 excess)
 
Modifications - None
Is the Value of Modifications Covered? - N/A
 
Business Cover? - Yes
Trackday Cover? - Nope
 
Claim Experience if Any? One accident several years ago, allegedly my fault. Not with esure.
 
Any General Comments
 
Phoned to check hardtop, leather and aircon covered - no problem as dealer (factory) fitted options, no effect on premium.

zud

#48
Age: 40
Convictions: SP30 (Nov 2000)
Other drivers: wife (no claims or convictions)

Year of Roadster: 2001 51
UK/EU/Jap: UK
Colour: Blue
Gearbox: SMT
Hardtop: No

Location: Surrey
Garaged: No, but parked on drive.

Insurance Company: Direct Line
10 or 12 month policy: 12
Total cost: £448.35 (including Protected NCB)
NCB:  9 years protected (had a couple of claims)

Modifications: None

Business cover: Yes
Trackday cover: No

Claim Experience if Any?  
Recent 3rd party claim while driving wife's car.  Very efficient and no forms.  They tried to change their minds after two weeks and make me claim on wife's insurance, but they backed down when my wife made an angry phone call!

Also made a claim against a third party.  If I'd used the DL preferred repairer I wouldn't have had to pay anything, and I think it would have been processed very efficiently.  But I decided to buck the system and insist on a particular garage.  You then have to pay the garage for the repair and claim the money back from DL... this took several letters, phone calls and faxes.

Any General Comments
For me, DL have been easily the cheapest for many years.

If you need repairs, consider using the DL preferred repairer.  I insisted on using an Alfa garage (previous car), only to find the Alfa dealer farms it out to a 3rd party... and then found he was a clown!  I might as well have taken a chance on the DL repairer!
Blue SMT with leather, A/C and TTE Twin.

Anonymous

#49
Age: 31
Convictions: None
Other drivers: None

Year of Roadster: 2000 W
UK/EU/Jap: UK
Colour: Blue
Gearbox: Manual
Hardtop: No

Location: Newmarket
Garaged: No. On street (unfortunately)

Insurance Company: Bell Direct
10 or 12 month policy: 12
Total cost: £440
NCB: 4 years

Modifications: None

Business cover: No
Trackday cover: No

Claim Experience if Any?
have used Bell Direct in a previous policy for a Mk1 and had superb service. The day after the accident, the car was taken on the back of a truck, the inspection was done via Internet and the cheque for the claim was in my hand by th end of the week. Excellent service. Only reason I changed from them after this was because Elephant undercut the price by £50. Now, Elephant are more expensive than Bell, so gone back to them. Would highly recommend them.