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#409574 - 21/11/16 06:10 PM Insurance
Nevbag Offline
L - Learner Plates On

Registered: 28/10/16
Posts: 108
Loc: South Lincolnshire
Hopefully I will soon be collecting my 1961 Plus 4 project but I am unsure about the insurance situation. It will not be on the road for at least 1 year but I would still like to have it insured during transit on my trailer and whilst it is in storage and being worked on at home.

Can anyone advise on the best way to achieve adequate cover please?

Nev.

Top
#409579 - 21/11/16 06:17 PM Re: Insurance [Re: Nevbag]
Graham, G4FUJ Offline
Salty Sea Dog
Member of the Inner Circle

Registered: 03/07/07
Posts: 21908
Loc: Cheltenham, Glos. UK
Suggest talk to Gott & Wynn. smile
_________________________
Graham (G4FUJ)

D8921 L44FOR '93 4/4 Giallo Fly 2 seat smile
'90 LR 90 SW
'07 MINI Cooper

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#409581 - 21/11/16 06:27 PM Re: Insurance [Re: Nevbag]
Dean-Royal Offline

Talk Morgan Addict

Registered: 02/01/12
Posts: 3571
Loc: UK (up north)
As i understand it your insurance for such a classic and its value will make minimal difference of your premium whether your driving it or not,
_________________________
www.generalpaint.biz/color.php Problem with your Colour, we offer TM members impartial advice.

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#409600 - 21/11/16 07:22 PM Re: Insurance [Re: Nevbag]
PhilRoyle Offline

Talk Morgan Enthusiast

Registered: 30/08/11
Posts: 1749
Loc: Derby
I find Morgan - Headley insurance very helpful and know the quirks of Morgan ownership - my Mog & Fiesta are both insured with them
_________________________
2010 4/4 sport - le mans green

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#409613 - 21/11/16 08:13 PM Re: Insurance [Re: Nevbag]
Roger-Cheshire Offline

Charter Member

Registered: 10/08/13
Posts: 5210
Loc: Cheshire
I've been insured with Gott & Wynn on a limited mileage classic policy. It makes no difference whether is is on the road or off the road the cost is the same but the cover is good.
_________________________
Roger

Mogless in Cheshire. Ex -2011 4/4 Sport

https://thecourtyardcheshire.com/

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#409670 - 21/11/16 11:25 PM Re: Insurance [Re: Nevbag]
Taffmog Offline
Talk Morgan Enthusiast

Registered: 22/09/10
Posts: 1536
Loc: Wales
At one time one could get a VOR policy, Vehicle Off Road, for rebuild projects. Fire and theft only.
Failing that you'll have to get a classic policy as Roger says.

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#409681 - 22/11/16 03:40 AM Re: Insurance [Re: Nevbag]
brownbaker Offline

Talk Morgan Regular

Registered: 23/09/10
Posts: 846
Are you on the payroll at the factory Brian? You spend alot of time there these days !

Top
#409696 - 22/11/16 08:14 AM Re: Insurance [Re: Nevbag]
Gambalunga Online   content

Member of the Inner Circle

Registered: 03/09/11
Posts: 10992
Loc: Mandello del Lario, Lake Como,...
Just be careful that whatever policy you get still covers the vehicle if it is dismantled and under restoration. I suspect most vehicle policies wouldd exclude cover when it is undergoing such major work.
_________________________
Peter


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#409703 - 22/11/16 08:46 AM Re: Insurance [Re: Nevbag]
exbiker Offline
Learner Plates Off!

Registered: 10/07/11
Posts: 434
Loc: west yorkshire
Again, Try Gott and Wynn, I was with them for years, very helpful,
Ian
_________________________
2017 Mercedes Benz SLC 200 AMG.
2018 eco boost 125ps Ford Fiesta.
Now Ex-Mogger!

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#409863 - 23/11/16 12:22 AM Re: Insurance [Re: Nevbag]
Taffmog Offline
Talk Morgan Enthusiast

Registered: 22/09/10
Posts: 1536
Loc: Wales
Brownbaker, no not on the payroll, my advice is totally free of charge ......😝

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#410494 - 26/11/16 09:14 AM Re: Insurance [Re: Taffmog]
Nevbag Offline
L - Learner Plates On

Registered: 28/10/16
Posts: 108
Loc: South Lincolnshire
Thanks for the advice gentlemen.
Because it is an import from California I only have the chassis number of the car so far so I am hoping that insurance companies will be able to work with that.
Does anyone have experience of registering an import with DVLA? I am hoping it will be fairly painless and hassle free.

Nev.

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#414584 - 12/12/16 11:48 AM Re: Insurance [Re: Nevbag]
Nevbag Offline
L - Learner Plates On

Registered: 28/10/16
Posts: 108
Loc: South Lincolnshire
Gott and Wynn were very helpful and I shall be using them to insure my Morgan. I was pleasantly surprised how reasonable the premiums are and they do a reduced rate for a car which is undergoing restoration.

Hope to have the car home before the year is out.

Nev.

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#414607 - 12/12/16 03:28 PM Re: Insurance [Re: Nevbag]
Stringers Best Mate Offline

Talk Morgan Sage

Registered: 16/10/13
Posts: 6271
Loc: Northamptonshire UK
Good to hear, Nev.

Best of luck & keep us fed with photo's when you have time!
_________________________
Steve

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#415991 - 19/12/16 08:19 PM Re: Insurance [Re: Nevbag]
stevemag Offline
Talk Morgan Regular

Registered: 18/03/13
Posts: 923
Loc: Wales
Footman James or Adrian flux, I've used both , currently with Adrian Flux
_________________________
Magwa

Morgan (car & classic ads)
2000 Porsche boxster
2002 Triumph Sprint ST
1967 Mobylette moped

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#423151 - 18/01/17 08:17 PM Re: Insurance [Re: Nevbag]
TheCustomer Offline

Talk Morgan Regular

Registered: 13/09/15
Posts: 687
When I had to cancel my wife's policy, Adrian Flux charged me.
[She had died, so no longer needed cover]

There's one insurer I'll never ask to quote again.

Will
_________________________
the *other* green Aero 8 S5

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#443309 - 16/04/17 10:25 AM Re: Insurance [Re: Nevbag]
TimG Offline
Has a lot to Say!

Registered: 01/11/13
Posts: 1370
Loc: Aberdeenshire
Originally Posted By Nevbag
Thanks for the advice gentlemen.
Because it is an import from California I only have the chassis number of the car so far so I am hoping that insurance companies will be able to work with that.
Does anyone have experience of registering an import with DVLA? I am hoping it will be fairly painless and hassle free.

Nev.


Yes you can insure on VIN, I had to to get my M3W registered. I found a classic full policy was cheaper than off road fire & theft cover. Gott & Wynn are very helpful

Tim

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#448777 - 14/05/17 05:46 PM Re: Insurance [Re: Nevbag]
Burgundymog Offline

Talk Morgan Addict

Registered: 11/05/14
Posts: 3442
Loc: Essex
For the last 3 years I have had an Admiral multi car policy. This is up for renewal, during the year I had changed my diesel Fiesta to a Fiesta ST and then had the Mountune upgrade. Each time I paid a bit extra. When the renewal came through they said that the full term amount would have been £680 for the ST and the +4 and this year it would be £780 ! I went on the internet and got a quote for the +4 for £251 with the AA. I tried the "Morgan" specialists, for the +4 G&W wanted £319 the others were either more or as in the case of one would not give me more than 5k miles ! The ST the best quote was £376 until I mentioned Mountune and they declined. So I thought I would ask Admiral to quote for the ST alone. A long conversation ensued as to why I no longer wanted the multi car policy, I explained that they wanted too much money. Hmmm they said let me look at what we can do, well we can reduce the Morgan by £50 give you free personal injury and bonus protection and I see you have 17 years no claims on both cars and have been a loyal customer blah blah blah. We can do both cars for £469.88 !!! which is less than the best quote for the ST on it's own. So why could they not offer that in the first place !
_________________________
Keith
2013 narrow bodied + 4 Ruby. Wolf performance Re-map suspension mods and K&N cone filter.

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#448797 - 14/05/17 07:23 PM Re: Insurance [Re: Burgundymog]
Paul F Offline

Talk Morgan Expert

Registered: 20/08/10
Posts: 2244
Loc: Costock, South Nottinghamshire...
Originally Posted By Burgundymog
So why could they not offer that in the first place !


Indeed - a perpetual frustration.

One detail - is the cover you have for the Morgan agreed value?
_________________________
Paul
Costock, UK
2014 4/4 Rolls Royce Garnet Red
Disco 4
Teddy - 17h1 Irish Draught cross

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#448799 - 14/05/17 07:47 PM Re: Insurance [Re: Nevbag]
Ken A Offline

Talk Morgan Regular

Registered: 17/01/16
Posts: 808
Loc: Kent, UK
I am with Carole Nash for the Morgan, best price/cover i found at the time compared with some of the above.
I also have a 6 wheeler policy for the tin top and the 5 motorcycles.
I find their rates good and the terms (excesses etc) suit me.
I do find their communications are not the best but i can live with that at their rates.
_________________________
Ken A.
Plus 4 2009 Centenary Metallic Red
Mercedes A250

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#448814 - 14/05/17 09:18 PM Re: Insurance [Re: Paul F]
Burgundymog Offline

Talk Morgan Addict

Registered: 11/05/14
Posts: 3442
Loc: Essex
Originally Posted By Paul F
Originally Posted By Burgundymog
So why could they not offer that in the first place !


Indeed - a perpetual frustration.

One detail - is the cover you have for the Morgan agreed value?



Paul, agreed value is for older classics, my cover is for market value and if you have been watching prices you will see that cars of our vintage are rising in price so I see no benefit in agreed value (hopefully).
_________________________
Keith
2013 narrow bodied + 4 Ruby. Wolf performance Re-map suspension mods and K&N cone filter.

Top
#448815 - 14/05/17 09:20 PM Re: Insurance [Re: Ken A]
Burgundymog Offline

Talk Morgan Addict

Registered: 11/05/14
Posts: 3442
Loc: Essex
Originally Posted By Ken A
I am with Carole Nash for the Morgan, best price/cover i found at the time compared with some of the above.
I also have a 6 wheeler policy for the tin top and the 5 motorcycles.
I find their rates good and the terms (excesses etc) suit me.
I do find their communications are not the best but i can live with that at their rates.


Yes I have used Carole Nash for my bike but am currently with Bennetts who are giving me the best deal (at the moment).
_________________________
Keith
2013 narrow bodied + 4 Ruby. Wolf performance Re-map suspension mods and K&N cone filter.

Top
#448818 - 14/05/17 09:32 PM Re: Insurance [Re: Burgundymog]
Paul F Offline

Talk Morgan Expert

Registered: 20/08/10
Posts: 2244
Loc: Costock, South Nottinghamshire...
Originally Posted By Burgundymog
Originally Posted By Paul F
Originally Posted By Burgundymog
So why could they not offer that in the first place !


Indeed - a perpetual frustration.

One detail - is the cover you have for the Morgan agreed value?



Paul, agreed value is for older classics, my cover is for market value and if you have been watching prices you will see that cars of our vintage are rising in price so I see no benefit in agreed value (hopefully).


A lot depends on the definition of market value. Our 3 year old car is now on an agreed value policy valued at £3k more than we paid for it - which should cover a like for like replacement should the worst happen. If your insurer uses trade valuations then you could be disappointed. This is my logic for agreed value on our car. Unlimited mileage cover through Headley is reasonably priced too.
_________________________
Paul
Costock, UK
2014 4/4 Rolls Royce Garnet Red
Disco 4
Teddy - 17h1 Irish Draught cross

Top
#448855 - 15/05/17 07:47 AM Re: Insurance [Re: Nevbag]
Alistair Online   happy
Smile, it confuses them
Charter Member

Registered: 18/03/09
Posts: 5628
Loc: Hampshire
I had the same with Admiral - big raise in the price at the end of year 1 for our multi-car. I was told a load of old clap-trap.

Raise in Insurance Premium Tax
General raise in premiums

I went to Churchill who proved to be terrible and I will be leaving them at the end of the year.

One thing to watch with all the big providers now is the addition of hidden charges that are being added all over the place to raise money.

Change car sir ? £50
Change job sir ? £50 and possible changes
Change registration plate on car sir ? £50
Sell car sir ? £50
_________________________
Just time to burn a little more petrol before dinner.

Top
#449802 - 19/05/17 08:03 AM Re: Insurance [Re: Nevbag]
TimG Offline
Has a lot to Say!

Registered: 01/11/13
Posts: 1370
Loc: Aberdeenshire
I have agreed value on my 3 year old M3W through G&W.

Top
#449993 - 19/05/17 08:30 PM Re: Insurance [Re: Paul F]
Burgundymog Offline

Talk Morgan Addict

Registered: 11/05/14
Posts: 3442
Loc: Essex
Originally Posted By Paul F
Originally Posted By Burgundymog
Originally Posted By Paul F
Originally Posted By Burgundymog
So why could they not offer that in the first place !


Indeed - a perpetual frustration.

One detail - is the cover you have for the Morgan agreed value?



Paul, agreed value is for older classics, my cover is for market value and if you have been watching prices you will see that cars of our vintage are rising in price so I see no benefit in agreed value (hopefully).


A lot depends on the definition of market value. Our 3 year old car is now on an agreed value policy valued at £3k more than we paid for it - which should cover a like for like replacement should the worst happen. If your insurer uses trade valuations then you could be disappointed. This is my logic for agreed value on our car. Unlimited mileage cover through Headley is reasonably priced too.


Most insurers these days make you an offer based on market price and say if you don't agree send us 3 adverts showing the a price.
_________________________
Keith
2013 narrow bodied + 4 Ruby. Wolf performance Re-map suspension mods and K&N cone filter.

Top
#451088 - 25/05/17 08:15 PM Re: Insurance [Re: Nevbag]
sospan Offline
Talk Morgan Sage

Registered: 31/05/10
Posts: 6045
Loc: Llanelli
I cannot temember getting a renwal quote that drops. Every one is hiked up and these can be queried/negotiated in most cases. Every renewal a search for quotes is done and this can be used to negotiate.
I remember being with Swinton once. I had their renewal papers for the Focus. I went online and saw the same Swinton cover £100 less! I queried this by phone and got a £100 cashback. Stayed with them for another year but went elsewhere after that.
Renewals seem to be a "try it on" tactic in the hope that people just accept it.
I have the Plus 8 with Gott & Wynn renewal due next month. I will look at others as part of the "game".
_________________________
Red Plus8

Top
#467203 - 16/08/17 10:59 PM Re: Insurance [Re: Nevbag]
waikiore Offline
Learner Plates Off!

Registered: 23/05/17
Posts: 440
Loc: auckland new zealand
Hi all
Can anyone recommend an insurer for a non resident ?
ie Car is in the UK for when I visit and I reside offshore, this seems to be a problem for some reason.
_________________________
99 plus 8 indigo

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#467231 - 17/08/17 07:48 AM Re: Insurance [Re: sospan]
John V6 Offline

Member of the Inner Circle

Registered: 21/07/07
Posts: 12901
Loc: Suffolk
Originally Posted By sospan
I cannot temember getting a renwal quote that drops. Every one is hiked up and these can be queried/negotiated in most cases. Every renewal a search for quotes is done and this can be used to negotiate.
I remember being with Swinton once. I had their renewal papers for the Focus. I went online and saw the same Swinton cover £100 less! I queried this by phone and got a £100 cashback. Stayed with them for another year but went elsewhere after that.
Renewals seem to be a "try it on" tactic in the hope that people just accept it.
I have the Plus 8 with Gott & Wynn renewal due next month. I will look at others as part of the "game".

For years with Tesco I got the renewal then went online for a better deal. In the end though when we changed cars mid term & they put the price up as it was to be garaged not on the drive I left them. Apparently it is easier to steal a car from a locked alarmed garage!

Now I am a price whore 3 times a year for each of the cars. Painful but saves dosh.
_________________________
JohnV6
2006 Indigo Blue Roadster S1

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#467323 - 17/08/17 02:26 PM Re: Insurance [Re: Nevbag]
NeilL Offline

Talk Morgan Sage

Registered: 16/10/12
Posts: 6496
Loc: Warks
Just changed insurers for the BMW - and save £200 for a better policy.

Sadly it pays to shop around.
_________________________
Neil


Top
#467380 - 17/08/17 06:29 PM Re: Insurance [Re: waikiore]
Burgundymog Offline

Talk Morgan Addict

Registered: 11/05/14
Posts: 3442
Loc: Essex
Originally Posted By waikiore
Hi all
Can anyone recommend an insurer for a non resident ?
ie Car is in the UK for when I visit and I reside offshore, this seems to be a problem for some reason.


Can you not use the address of the storage unit as your UK address ?
_________________________
Keith
2013 narrow bodied + 4 Ruby. Wolf performance Re-map suspension mods and K&N cone filter.

Top
#467381 - 17/08/17 06:32 PM Re: Insurance [Re: NeilL]
Burgundymog Offline

Talk Morgan Addict

Registered: 11/05/14
Posts: 3442
Loc: Essex
Originally Posted By NeilL
Just changed insurers for the BMW - and save £200 for a better policy.

Sadly it pays to shop around.


I told Admiral I wasn't going to pay £760 for my 2 vehicle multicar policy so they reduced it to £451 !!!
_________________________
Keith
2013 narrow bodied + 4 Ruby. Wolf performance Re-map suspension mods and K&N cone filter.

Top
#467387 - 17/08/17 06:44 PM Re: Insurance [Re: Nevbag]
Alistair Online   happy
Smile, it confuses them
Charter Member

Registered: 18/03/09
Posts: 5628
Loc: Hampshire
JohnV6.

I had a good experience admin wise with Admiral but they also tried to stuff me on renewal. I mistakenly went to Churchill and cannot damn them enough.

I am looking at Chubb to combine all my liability into one (house, contents, cars, travel, life) and also use A-Plan as a broker to shop the cars alone around. A-Plan have come out well and do help when the fur hits the fan.

It is a little more than using one of the big insurers but having had to claim on the Coupe once now "service" went up my requirements list.
_________________________
Just time to burn a little more petrol before dinner.

Top
#467543 - 18/08/17 11:56 AM Re: Insurance [Re: Alistair]
Neilda Offline
Part of the Furniture

Registered: 26/04/12
Posts: 4446
Loc: Surrey. UK
Originally Posted By Alistair

I am looking at Chubb to combine all my liability into one (house, contents, cars, travel, life)


I use Chubb for house and contents - and very good they are too. I've had two large claims over the years - a 'serious' watch lost in a boating accident, and a fire in the pool house at home. Both claims were settled superbly - very quick, no quibbles, full payout and I was allowed to choose my own suppliers.

However I stopped using them for cars because the annual renewal premium for everything was huge! So I shop around for motor insurance. smile
_________________________
+8 4.8

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#467619 - 18/08/17 10:48 PM Re: Insurance [Re: Nevbag]
Alistair Online   happy
Smile, it confuses them
Charter Member

Registered: 18/03/09
Posts: 5628
Loc: Hampshire
Ta Neil, I am pulling it all together at the moment.

The entire insurance company needs a reboot. All of this change every year rubbish. Its like power providers with their "introductory tariffs" which mean changing every year.
_________________________
Just time to burn a little more petrol before dinner.

Top
#467629 - 19/08/17 07:00 AM Re: Insurance [Re: Neilda]
Richard - Aus Offline

Member of the Inner Circle

Registered: 15/01/12
Posts: 14976
Loc: Perth, WA, Australia
Originally Posted By Neilda
Originally Posted By Alistair

I am looking at Chubb to combine all my liability into one (house, contents, cars, travel, life)


I use Chubb for house and contents - and very good they are too. I've had two large claims over the years - a 'serious' watch lost in a boating accident, and a fire in the pool house at home. Both claims were settled superbly - very quick, no quibbles, full payout and I was allowed to choose my own suppliers.

However I stopped using them for cars because the annual renewal premium for everything was huge! So I shop around for motor insurance. smile


We have Chubb to (Master Piece via a broker as only way to get it) and it is superb coverage for relatively little extra in premium. Also allows my wife to run a business from home.
_________________________
Richard
1976 4/4 4 Seater

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#467660 - 19/08/17 10:53 AM Re: Insurance [Re: Nevbag]
Neilda Offline
Part of the Furniture

Registered: 26/04/12
Posts: 4446
Loc: Surrey. UK
The thing with Chubb is that they assume you're honest.... which is a good thing. When I lost a Breguet watch in the sea their response was 'where should we send the cheque?'. The fire at home was a £40k loss - all settled (rapidly) without so much as murmur from Chubb. I can't rate them highly enough. However it's only when you have a claim that you realise you get what you pay for - paying years of premiums without a claim makes them appear expensive.
_________________________
+8 4.8

Top
#467679 - 19/08/17 12:17 PM Re: Insurance [Re: Neilda]
Hamwich Offline

Talk Morgan Guru

Registered: 28/04/08
Posts: 7308
Loc: Gloucestershire, UK
Originally Posted By Neilda
The thing with Chubb is that they assume you're honest.... which is a good thing. When I lost a Breguet watch in the sea their response was 'where should we send the cheque?'. The fire at home was a £40k loss - all settled (rapidly) without so much as murmur from Chubb. I can't rate them highly enough. However it's only when you have a claim that you realise you get what you pay for - paying years of premiums without a claim makes them appear expensive.


Absolutely right. I use NFU for the same reason. It's all very well buying insurance on price, but if you ever need to make a claim then it's quality of service that suddenly becomes the important thing. I've only had cause to use them on a couple of occasions, and both times they paid up immediately and without question.

The cheap insurance companies are able to drive their premiums down because their claims handling policies are extremely rigorous - they do everything they can to avoid paying.

As always, you pays your money and you takes your choice.
_________________________
Tim H.
1986 4/4 VVTi Sport, 2002 LR Defender, 1957 R4 CV, 2005 Ferrari Vipar

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#469435 - 29/08/17 01:01 PM Re: Insurance [Re: Nevbag]
Shooter Offline

Has a lot to Say!

Registered: 06/09/07
Posts: 1443
Loc: Oreton, Shropshire
The quality insurers tend to end up being a better price more often than not when you do a thorough analysis of your needs (House and contents cover).

The same tends to be true on vehicles too but there are exceptions. However, as has been pointed out service when a claim is made is important.

I have had excellent experience with Chubb, Hiscox, Zurich Private clients at different times in relation to both motor and house.

Right now for 2 years running I have been with NFU on Motor as they offer good service and fantastic pricing for 2 Aero 8's, a Tesla and the Lancia, business use etc £1,400 a year. I do seem to collect performance awards so have a few points! Also some insurers are quoting £1,200 to £2,000 for the Tesla on its own at the moment due to high repair costs.

On the subject of Household and business insurances, I have an excellent broker if anyone wants a recommendation.
_________________________
Aero 8 GTN. #10
Aero 8 S5.... #10

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#469436 - 29/08/17 01:08 PM Re: Insurance [Re: waikiore]
Shooter Offline

Has a lot to Say!

Registered: 06/09/07
Posts: 1443
Loc: Oreton, Shropshire
Originally Posted By waikiore
Hi all
Can anyone recommend an insurer for a non resident ?
ie Car is in the UK for when I visit and I reside offshore, this seems to be a problem for some reason.


I maintain insurance on motorbikes I keep in USA and there it is relatively easy (and cheap) but an address in the USA is needed.

I would suggest making contact with an insurance broker in the UK and getting advice as to your options. If the car is in storage, some storage firms provide a level of insurance but it is not always adequate and will not help when you want to come over and drive.
_________________________
Aero 8 GTN. #10
Aero 8 S5.... #10

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#469462 - 29/08/17 04:06 PM Re: Insurance [Re: waikiore]
Peter J Offline
Formerly known as Aldermog
Member of the Inner Circle

Registered: 13/08/13
Posts: 11117
Loc: Salisbury, UK
Originally Posted By waikiore
Hi all
Can anyone recommend an insurer for a non resident ?
ie Car is in the UK for when I visit and I reside offshore, this seems to be a problem for some reason.


Do you have a UK "address", ie family member or similar, that is also shown on a UK driving licence and the V5?

If you do then it shouldn't be a problem: payment by card solves most other issues.

But if you are unable to demonstrate a link to a UK residence then probably a problem.
Why? Because the insurance company wants to be able to deliver documents by post and the Police want to be able to send you speeding tickets....
_________________________
Peter,
Tarka the 'Otter Mog
2014 Plus 8



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#469512 - 29/08/17 08:49 PM Re: Insurance [Re: Hamwich]
Roger-Cheshire Offline

Charter Member

Registered: 10/08/13
Posts: 5210
Loc: Cheshire
Originally Posted By Hamwich
Originally Posted By Neilda
The thing with Chubb is that they assume you're honest.... which is a good thing. When I lost a Breguet watch in the sea their response was 'where should we send the cheque?'. The fire at home was a £40k loss - all settled (rapidly) without so much as murmur from Chubb. I can't rate them highly enough. However it's only when you have a claim that you realise you get what you pay for - paying years of premiums without a claim makes them appear expensive.


Absolutely right. I use NFU for the same reason. It's all very well buying insurance on price, but if you ever need to make a claim then it's quality of service that suddenly becomes the important thing. I've only had cause to use them on a couple of occasions, and both times they paid up immediately and without question.

The cheap insurance companies are able to drive their premiums down because their claims handling policies are extremely rigorous - they do everything they can to avoid paying.

As always, you pays your money and you takes your choice.


We have used NFU for many years as we always looked at extent of cover, service and price as a total package. We had 3 cars and all our properties covered with them so they had a fair bit of money off us over the years. The last couple of years or so the prices each year climbed significantly to the extent I couldn't ignore shopping around even though we had no claims history. The cars have gone through G&W - last to go next February on renewal and the last of the properties have now gone through a broker connected to a Landlords Association of which we are members. As it's a very large members policy we have managed to not only considerably increase the cover, reduced excess etc but also halved the premiums which is saving us a lot of money.
_________________________
Roger

Mogless in Cheshire. Ex -2011 4/4 Sport

https://thecourtyardcheshire.com/

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#469633 - 30/08/17 12:16 PM Re: Insurance [Re: waikiore]
Peter J Offline
Formerly known as Aldermog
Member of the Inner Circle

Registered: 13/08/13
Posts: 11117
Loc: Salisbury, UK
Originally Posted By waikiore
Hi all
Can anyone recommend an insurer for a non resident ?
ie Car is in the UK for when I visit and I reside offshore, this seems to be a problem for some reason.


London Morgan may be able to help, they "manage" cars for non resident Morgan Owners.
_________________________
Peter,
Tarka the 'Otter Mog
2014 Plus 8



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#474091 - 25/09/17 04:38 PM Re: Insurance [Re: Nevbag]
madmax Offline
Part of the Furniture

Registered: 18/08/14
Posts: 4459
Loc: East Anglia
Just thought I'd get a quote from the NFU before renewing and they gave very good cover and figure all included instead of adding on extras so I've changed to them.
_________________________
Geneva 2016 plus 8' The Green Godess' 4 side exits .



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#477253 - 16/10/17 08:28 AM Re: Insurance [Re: Nevbag]
TimG Offline
Has a lot to Say!

Registered: 01/11/13
Posts: 1370
Loc: Aberdeenshire
I just got my renewal for my vintage Sunbeam from Peter S Taylor in Hove. They have insured it for nearly 30 years. Premium is £108 & its been around that price for 10 years or more. Gott & Wyne handle my Morgan

Tim

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#477847 - 20/10/17 09:54 AM Re: Insurance [Re: Nevbag]
Robbie Offline

Talk Morgan Expert

Registered: 08/01/07
Posts: 2619
Loc: Co Wexford, Ireland
You guys are blessed — my Plus4 over here is €580 pa!!!


Edited by Robbie (20/10/17 09:54 AM)
_________________________
Robbie
2018 Plus4 - Black
VO 18 CZM -for the present!

"Fettlebodge"-- chief of the PaddyMogs

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#477851 - 20/10/17 10:17 AM Re: Insurance [Re: Robbie]
Peter J Offline
Formerly known as Aldermog
Member of the Inner Circle

Registered: 13/08/13
Posts: 11117
Loc: Salisbury, UK
Originally Posted By Robbie
You guys are blessed — my Plus4 over here is €580 pa!!!


That is more than I pay for my Plus 8!!!!
_________________________
Peter,
Tarka the 'Otter Mog
2014 Plus 8



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#479160 - 26/10/17 09:05 PM Re: Insurance [Re: Nevbag]
Robbie Offline

Talk Morgan Expert

Registered: 08/01/07
Posts: 2619
Loc: Co Wexford, Ireland
Thats why I have a Plus4 I think a roadster over here is around the €800 mark!!! Then there is road tax --€720 on the plus4 and a whopping €2250 on a roadster. As everyone knows this is an environmental tax -- nothing whatever to do with fleecing the motorist!!!!!!
_________________________
Robbie
2018 Plus4 - Black
VO 18 CZM -for the present!

"Fettlebodge"-- chief of the PaddyMogs

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#482032 - 10/11/17 11:28 AM Re: Insurance [Re: Nevbag]
Nicko Offline
New to Talk Morgan

Registered: 27/02/17
Posts: 1
Loc: New Forest, UK
This might be a bit late in the day, but I found your comments on Insurers very helpful. I had a renewal coming up from Footman James for £388 which I considered OTT for my Plus 4 in sleepy New Forest. I tried Gott and Wynn and was very impressed with their Morgan knowledge - turns out Mr Wynn is a Morgan owner. I was given a quote of £196.00 including IPT, admin, legal expenses, EU travel, unlimited windscreen cover ( attractive given cost of a heated windscreen ) and agreed value. Interestingly they have removed the concept of a "hood warranty" which I have never heard of - but it means whenever you leave the Morgan unattended you must put the hood up. Obviously a bit of a faff with the Morgan - but a loophole an insurer would pounce on to get out of paying up!

Thanks to all of you who contributed and therefore helped me with my decision

Nick
Plus 4 2007 Monterey Blue - "Monty"

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#482047 - 10/11/17 02:05 PM Re: Insurance [Re: Nevbag]
NeilL Offline

Talk Morgan Sage

Registered: 16/10/12
Posts: 6496
Loc: Warks
Sadly there is no benefit any longer in staying put with an insurer.

I have "saved" over £600 this year on our three cars. AND better cover!!

The Insurance industry has IMO shot itself in both feet by creating this need to move every year.
_________________________
Neil


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#482050 - 10/11/17 02:13 PM Re: Insurance [Re: Nevbag]
Graham, G4FUJ Offline
Salty Sea Dog
Member of the Inner Circle

Registered: 03/07/07
Posts: 21908
Loc: Cheltenham, Glos. UK
I've just changed the Fusion insurance over to the '99 Z3. There is nearly 11 months to run on the policy, but with the £25 fee for changing I'm still getting £7.83 in refund (would have been in excess of £30 refunded). I have a feeling that even after renegotiating with the broker at renewal time I might have paid far too much for a small low powered Ford!
_________________________
Graham (G4FUJ)

D8921 L44FOR '93 4/4 Giallo Fly 2 seat smile
'90 LR 90 SW
'07 MINI Cooper

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#482056 - 10/11/17 03:09 PM Re: Insurance [Re: Nevbag]
Paul F Offline

Talk Morgan Expert

Registered: 20/08/10
Posts: 2244
Loc: Costock, South Nottinghamshire...
The insurance industry only has itself to blame. Last year, Land-Rover renewal arrived from Churchill. 25% increase. Changed to Saga - at or around the “old” Churchill price. This year, the Saga renewal came with a 25% increase. Gone back to Direct Line at less than I paid Saga last year. I suspect I am now in a 3 insurer merry go round.
_________________________
Paul
Costock, UK
2014 4/4 Rolls Royce Garnet Red
Disco 4
Teddy - 17h1 Irish Draught cross

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#482058 - 10/11/17 03:11 PM Re: Insurance [Re: Nevbag]
Graham, G4FUJ Offline
Salty Sea Dog
Member of the Inner Circle

Registered: 03/07/07
Posts: 21908
Loc: Cheltenham, Glos. UK
Life is but a circle Paul grin2

But, have you received the myriad of Cruise brochures from Saga?
Sue used them for something and it seemed that once a fortnight, yet another holiday brochure, mostly cruises, fell on the doormat until I complained to them.
_________________________
Graham (G4FUJ)

D8921 L44FOR '93 4/4 Giallo Fly 2 seat smile
'90 LR 90 SW
'07 MINI Cooper

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#482081 - 10/11/17 04:51 PM Re: Insurance [Re: Nevbag]
Peter J Offline
Formerly known as Aldermog
Member of the Inner Circle

Registered: 13/08/13
Posts: 11117
Loc: Salisbury, UK
Discovered something nasty I hadn't thought through, following SWMBOs little accident with the AMG.

At renewal The Plus 8 insurance went up £120pa and the CLC by £80 pa, the AMG we expect about £150, simply because she is a named driver and has had a "fault" accident. The loading runs for 5 years.

So £1750 over 5 years, excluding any other increases.

Car Insurance is a failed market, no wonder so many are uninsured.
_________________________
Peter,
Tarka the 'Otter Mog
2014 Plus 8



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#482107 - 10/11/17 06:54 PM Re: Insurance [Re: Peter J]
Ian Wegg Offline

Talk Morgan Expert

Registered: 05/03/10
Posts: 2174
Loc: Petersfield, Hampshire, UK
Originally Posted By Peter J
Car Insurance is a failed market, no wonder so many are uninsured.

Absolutely. The same thing happened to me when my windscreen cracked a few years ago. The replacement was "free", but they clawed it all back in loaded premiums over the following 5 years.
_________________________
1980 Royal Ivory 4/4 4-seater. B4771

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#482110 - 10/11/17 07:01 PM Re: Insurance [Re: Graham, G4FUJ]
Paul F Offline

Talk Morgan Expert

Registered: 20/08/10
Posts: 2244
Loc: Costock, South Nottinghamshire...
Originally Posted By Graham, G4FUJ

But, have you received the myriad of Cruise brochures from Saga?


Not yet - we subscribe to the Magazine (it seemed like a good idea at the time) but are not receiving a lot of mail from them.

The good news is that from May 2018 GDPR kicks in. Companies and charities will have to re-seek approval from us to communicate with us. RSPB have already done this (very well) and have probably expanded their marketing reach by taking a good approach. If (a big if) the ICO get their act together, we can expect to see some large fines in the early days as a couple of rogues get singled out and made an example of.
_________________________
Paul
Costock, UK
2014 4/4 Rolls Royce Garnet Red
Disco 4
Teddy - 17h1 Irish Draught cross

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#482143 - 10/11/17 10:52 PM Re: Insurance [Re: Ian Wegg]
Richard - Aus Offline

Member of the Inner Circle

Registered: 15/01/12
Posts: 14976
Loc: Perth, WA, Australia
Originally Posted By Ian Wegg
Originally Posted By Peter J
Car Insurance is a failed market, no wonder so many are uninsured.

Absolutely. The same thing happened to me when my windscreen cracked a few years ago. The replacement was "free", but they clawed it all back in loaded premiums over the following 5 years.


Not for me. I fixed mine after it went in the Saab, sold it then moved to Australia.

Here road tax and third party insurance are combined in to one sold by the government. If you want fully comp then you buy this on top but at least all cars are tax and insured at a level price.
_________________________
Richard
1976 4/4 4 Seater

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#482980 - 15/11/17 10:16 AM Re: Insurance [Re: Graham, G4FUJ]
Fuel.inj Offline
Learner Plates Off!

Registered: 28/12/15
Posts: 310
Loc: Monmouthshire, Wales
Originally Posted By Graham, G4FUJ
Life is but a circle Paul grin2

But, have you received the myriad of Cruise brochures from Saga?
Sue used them for something and it seemed that once a fortnight, yet another holiday brochure, mostly cruises, fell on the doormat until I complained to them.


SAGA? .........Sex And Games for the Aged!

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#482998 - 15/11/17 10:59 AM Re: Insurance [Re: Richard - Aus]
Peter J Offline
Formerly known as Aldermog
Member of the Inner Circle

Registered: 13/08/13
Posts: 11117
Loc: Salisbury, UK
Originally Posted By Richard - Aus
[
Here road tax and third party insurance are combined in to one sold by the government. If you want fully comp then you buy this on top but at least all cars are tax and insured at a level price.


Same as Germany; the UK system is broken, no one in Government or Industry wants to fix it.
_________________________
Peter,
Tarka the 'Otter Mog
2014 Plus 8



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