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Re: Insurance [Re: Ken A] #448815
14/05/17 08:20 PM
14/05/17 08:20 PM
Joined: May 2014
Posts: 3,567
Essex
Burgundymog Offline
Talk Morgan Addict
Burgundymog  Offline
Talk Morgan Addict

Joined: May 2014
Posts: 3,567
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.
Re: Insurance [Re: Burgundymog] #448818
14/05/17 08:32 PM
14/05/17 08:32 PM
Joined: Aug 2010
Posts: 2,987
Costock, South Nottinghamshire...
Paul F Offline
Talk Morgan Expert
Paul F  Offline
Talk Morgan Expert

Joined: Aug 2010
Posts: 2,987
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
Re: Insurance [Re: Nevbag] #448855
15/05/17 06:47 AM
15/05/17 06:47 AM
Joined: Mar 2009
Posts: 7,226
Hampshire
Alistair Offline
Smile, it confuses them
Alistair  Offline
Smile, it confuses them
Talk Morgan Guru

Joined: Mar 2009
Posts: 7,226
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.
Re: Insurance [Re: Nevbag] #449802
19/05/17 07:03 AM
19/05/17 07:03 AM
Joined: Nov 2013
Posts: 1,655
Aberdeenshire
T
TimG Offline
Talk Morgan Enthusiast
TimG  Offline
Talk Morgan Enthusiast
T

Joined: Nov 2013
Posts: 1,655
Aberdeenshire
I have agreed value on my 3 year old M3W through G&W.

Re: Insurance [Re: Paul F] #449993
19/05/17 07:30 PM
19/05/17 07:30 PM
Joined: May 2014
Posts: 3,567
Essex
Burgundymog Offline
Talk Morgan Addict
Burgundymog  Offline
Talk Morgan Addict

Joined: May 2014
Posts: 3,567
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.
Re: Insurance [Re: Nevbag] #451088
25/05/17 07:15 PM
25/05/17 07:15 PM
Joined: May 2010
Posts: 7,021
Llanelli
sospan Offline
Talk Morgan Guru
sospan  Offline
Talk Morgan Guru

Joined: May 2010
Posts: 7,021
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
Re: Insurance [Re: Nevbag] #467203
16/08/17 09:59 PM
16/08/17 09:59 PM
Joined: May 2017
Posts: 812
auckland new zealand
W
waikiore Offline
Talk Morgan Regular
waikiore  Offline
Talk Morgan Regular
W

Joined: May 2017
Posts: 812
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
Re: Insurance [Re: sospan] #467231
17/08/17 06:48 AM
17/08/17 06:48 AM
Joined: Jul 2007
Posts: 16,646
Suffolk
John V6 Offline
Member of the Inner Circle
John V6  Offline
Member of the Inner Circle

Joined: Jul 2007
Posts: 16,646
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
Re: Insurance [Re: Nevbag] #467323
17/08/17 01:26 PM
17/08/17 01:26 PM
Joined: Oct 2012
Posts: 6,529
Warks
N
NeilL Offline
Talk Morgan Sage
NeilL  Offline
Talk Morgan Sage
N

Joined: Oct 2012
Posts: 6,529
Warks
Just changed insurers for the BMW - and save £200 for a better policy.

Sadly it pays to shop around.


Neil

Re: Insurance [Re: waikiore] #467380
17/08/17 05:29 PM
17/08/17 05:29 PM
Joined: May 2014
Posts: 3,567
Essex
Burgundymog Offline
Talk Morgan Addict
Burgundymog  Offline
Talk Morgan Addict

Joined: May 2014
Posts: 3,567
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.
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