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Forums39
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Jun 14th, 2026
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Joined: Jan 2015
Posts: 10
New to Talk Morgan
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OP
New to Talk Morgan
Joined: Jan 2015
Posts: 10 |
I sold my car at the weekend and thought I would suspend my insurance whilst I looked for a replacement car. 'Oh no sir, we can not suspend your insurance'. 'We can transfer it to another car or cancel it'
Not too bad you think?
'Sorry Sir, you have had your insurance more than 4 months, we cannot refund your remaining premium'
You have been warned!
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Joined: Sep 2014
Posts: 990
Talk Morgan Regular
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Talk Morgan Regular
Joined: Sep 2014
Posts: 990 |
Another very good reason to stick with the morgan specialist insurers like Gott and Wynne.
2015 Morgan 4/4 (Wolf fettled) previously 2014 M3W
MINI Cooper S and numerous BMC/BL relics.
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Joined: Aug 2014
Posts: 5,587
Charter Member
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Charter Member
Joined: Aug 2014
Posts: 5,587 |
I sold my car at the weekend and thought I would suspend my insurance whilst I looked for a replacement car. 'Oh no sir, we can not suspend your insurance'. 'We can transfer it to another car or cancel it'
Not too bad you think?
'Sorry Sir, you have had your insurance more than 4 months, we cannot refund your remaining premium'
You have been warned! Daylight robbery , have had this before on a previous sports car !
Geneva 2016 plus 8' The Green Godess' 4 side exits .
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Joined: Jan 2012
Posts: 14,976 Likes: 2
Member of the Inner Circle
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Member of the Inner Circle
Joined: Jan 2012
Posts: 14,976 Likes: 2 |
...Never had it on insurance - only with the RAC (Saab we brought came with the AA).
Richard
1976 4/4 4 Seater
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Joined: Sep 2010
Posts: 1,511 Likes: 21
Talk Morgan Enthusiast
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Talk Morgan Enthusiast
Joined: Sep 2010
Posts: 1,511 Likes: 21 |
You would not be upset if your car had be written off on the first day of your premium!
For your years premium of say 400 you would have been paid out 30 k plus.
It is only like all the life policies being offered on TV you do not get your premiums back only when you die and then it might be less than you paid in.
That is insurance
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Joined: Aug 2013
Posts: 15,794 Likes: 15
Formerly known as Aldermog Member of the Inner Circle
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Formerly known as Aldermog Member of the Inner Circle
Joined: Aug 2013
Posts: 15,794 Likes: 15 |
When I sold the Roadster I cancelled the insurance because the insurer, Morgan Insurance in Alton, couldn't offer cover on the Plus 8 with the level I wanted. So they refunded, subject to a £30.00 admin fee.
Peter,
66, 2016 Porsche Boxster S
No longer driving Tarka, the 2014 Plus 8...
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Joined: Mar 2010
Posts: 3,693 Likes: 130
Moderate or good, occasionally poor Talk Morgan Addict
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Moderate or good, occasionally poor Talk Morgan Addict
Joined: Mar 2010
Posts: 3,693 Likes: 130 |
Another very good reason to stick with the morgan specialist insurers like Gott and Wynne. Heritage are one of the MSCC recommended insurers.
2011 Morgan 4/4
1932 Austin 7 Chummy
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Joined: Apr 2014
Posts: 3,550 Likes: 5
Talk Morgan Addict
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Talk Morgan Addict
Joined: Apr 2014
Posts: 3,550 Likes: 5 |
Is it in their terms and conditions which you accepted with the policy?
Mark - No Longer driving Archie the Old English Sheep Mog........... 2010 Roadster 3.0 V6 (S3) 
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Joined: Mar 2010
Posts: 3,693 Likes: 130
Moderate or good, occasionally poor Talk Morgan Addict
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Moderate or good, occasionally poor Talk Morgan Addict
Joined: Mar 2010
Posts: 3,693 Likes: 130 |
Was it a main policy or a classic one?
A classic policy - where you already have another vehicle insured as a main car - is a lot cheaper in the first place. If it wasn't a classic policy then I'd query it as their website says they give cancellation refunds for their "everyday" policies.
I swapped to Heritage a couple of years ago, mainly because of their track day cover at no extra cost. They also do agreed value "in-house". My premium this year was £56.04 so I'll put up with the no refund policy (by comparison, the cheapest quote as a main car was £147 with Flux).
~iw
2011 Morgan 4/4
1932 Austin 7 Chummy
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Joined: Jan 2015
Posts: 10
New to Talk Morgan
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OP
New to Talk Morgan
Joined: Jan 2015
Posts: 10 |
Yes it was a classic policy. Terms and conditions in the small print.... Apparently
It would have been cheaper to pay monthly rather than for the full year. Not that Herritage will care; I will not be using them again.
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