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

Talk Morgan Expert

Registered: 11/05/14
Posts: 2971
Loc: Essex & Somerset
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
The world is my Lobster

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

Has a lot to Say!

Registered: 20/08/10
Posts: 1449
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 - Ruby Mog, Disco 4, Teddy - 17h1 Irish Draught cross

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#448855 - 15/05/17 07:47 AM Re: Insurance [Re: Nevbag]
Alistair Offline
Smile, it confuses them
Talk Morgan Addict

Registered: 18/03/09
Posts: 3762
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
_________________________
Is it true ? I just have to pop out to the garage and check again, see you in an hour (or three)

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

Registered: 01/11/13
Posts: 1170
Loc: Aberdeenshire
I have agreed value on my 3 year old M3W through G&W.

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

Talk Morgan Expert

Registered: 11/05/14
Posts: 2971
Loc: Essex & Somerset
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
The world is my Lobster

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#451088 - 25/05/17 08:15 PM Re: Insurance [Re: Nevbag]
sospan Offline
Part of the Furniture

Registered: 31/05/10
Posts: 4750
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

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

Registered: 23/05/17
Posts: 146
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: 10917
Loc: Bucks
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

Charter Member

Registered: 16/10/12
Posts: 5857
Loc: Warks
Just changed insurers for the BMW - and save £200 for a better policy.

Sadly it pays to shop around.
_________________________
Neil
4/4 Saxe Blue 80th

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

Talk Morgan Expert

Registered: 11/05/14
Posts: 2971
Loc: Essex & Somerset
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
The world is my Lobster

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