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Gorsh

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About Gorsh

  • Rank
    Boxa - Junior
  • Birthday 02/22/1955

Profile Information

  • Gender
    Male
  • Location
    Isle of Man
  • Interests
    Cars, Photography, Touring Britain, and a bit of walking.

Previous Fields

  • My Ride
    Carrera 991.2 GTS MY 2018, BMW 330d F31. Sold - 2015 Boxster GTS

Recent Profile Visitors

717 profile views
  1. How are you getting on? NFU are great for my 991 (just under 300), no trackdays (not planning any for now anyway) but all the cover I need otherwise.
  2. To bring the matter of which insurance to choose to a close - until next year at least, I have gone with NFU, very happy with the cover and price - plus they have a local office so I can deal face to face if I want. The all - singing high net worth/private client policies offer excellent cover but at a cost which I can't justify, as even though I've scraped enough money together for a new 991.2 I don't consider myself to be in that category of customer.
  3. That's exactly how I feel about them too - as I have said in the Porsche/Marsh/Aviva thread they have offered me very good cover at a great price, very nice to deal with too and great to hear how well they handled a claim. My requirements are challenging - six drivers on my soon to arrive 991.2 GTS (so well over £100k worth), but they had no issue with that and have given me what I consider a very good price too.
  4. Hi John Yes, the Aviva Private Clients quote (through A Plan) is pretty comprehensive - legal, breakdown, enhanced courtesy car, choice of repairer, unlimited screen cover. Excess on my quote was £1000, screen excess £100. They also insist on the tracker being activated at all times. The problem I have it's just too expensive (well over £1k) compared to 'normal' policies elsewhere - but it is very good cover and worth asking for a quote as even though I live in a low risk area I want five named drivers which may be hiking the price up. NFU is the best overall quote so far, they are happy with six drivers, the cover is as good as any normal policy (and no mention of the tracker being required), they are happy to use all OEM parts but I might have to use a repairer that's not Porsche approved, but they will allow me to choose if I insist (I think I lose the courtesy car) - when I think about this the Porsche approved repairers are so thin on the ground I expect a good repairer would be fine if all OEM parts were used. NFU win lots of awards and seem to have excellent reviews from customers who have had claims. So at the moment I'm still considering things as I have plenty of time, but it looks as if NFU is favourite. If I was wealthy and not bothered about the cost and wanted the best cover then A Plan or a similar quote I have from AIB would give complete peace of mind. Gordon.
  5. Hi john,I spoke to Clare who was very helpful and gave her all my details and named drivers etc - I have since been contacted by A-Plan Private Clients department who have recommended a policy from Aviva Private Clients. The cover in the policy is excellent but it is more expensive (to me anyway) than other 'normal' policies I have had quoted. I'm weighing it all up at the moment and have another quote due so nothing decided yet.
  6. I've yet to hear from Locktons despite filling in their online form a couple of days ago, but I will see what they say about this - it sounds just like another quote I have from a 'high net worth' policy where there is loads of great cover and benefits but at a price - they too don't use the ncb system. Providing Locktons play fair with you in future you would be OK staying with them. I am a bit skeptical of the 'protected' part of the ncb system - it's great when you have a few years with no claims, but if you have an 'at fault' accident the price goes up even if it's protected because going elsewhere the claim will load your premium no matter how many years protected ncb you have. Say you stay with Locktons and you are unfortunate enough to have a fault claim, if they keep to their word you would pay just a little more at renewal. Then consider if you move and the same happens - you would end up paying a bit more then too in my opinion. A tricky decision for you. If you can get equal cover elsewhere (keeping your protected ncb) at a reasonable price then it might be worth moving, but it might be better to stay for this year and shop around in plenty of time for next year - if Locktons have a lot of customers unhappy or leaving they may change their stance by next year.
  7. Thanks for the info John. It does seem the high value of the vehicle means having the tracker on, I wouldn't bother otherwise as the annual subscription is expensive in my opinion - plus I'm not sure I want the car back after some tea leaf has hammered it from a cold start. Our insurance is cheap here, car theft is non existent (so long as you don't leave keys in for a possible joy rider) as they could never get a stolen car off the Island. There are major drawbacks with the Aviva quote though, very high excess, and I could end up paying the full cost for a OEM windscreen if I needed one, also I'm concerned about them being 'difficult' if I wanted a Porsche Approved company to repair accident damage. I'm hoping Carbon (I'm told they will be selling Porsche branded cover from September just like Marsh did), Locktons, or maybe AIB can provide better cover even if the cost is a bit more, but I need to wait a couple of weeks as most of their quotes are only valid for 30 days.
  8. JC has beaten you to it! And yes, could we get back on topic please - I want to talk about insurance!
  9. Interesting thread, I am now looking around at insurance for my 991.2 GTS which arrives in a few weeks. Has anyone had recent dealings with Aviva/Marsh/Carbon/Locktons? My present insurer is Aviva and they insist on the tracker being activated which is £235 per year. This adds considerably to the cost, but their premium is reasonable at under £350 so might still be the best. Very high excess of £1500 though. Aviva will let you choose your own repairer but at an additional excess of £200, also windscreen replacement may or may not be OEM part - if not I can get it done at a place of my choice with OEM screen and they will only contribute £110 towards the cost. So not ideal cover but until I have a couple of other quotes to compare with I don't know how good it is. Do any of the other insurers now insist on a tracker? Aviva said it was due to the high value of the car (over £100k), so I might find all insurers will insist on it. I know a couple of members here have high value 911's so I'd be interested in hearing how you got on @r1flyguy and @JohnSyn if you don't mind telling me? Gordon.
  10. Anyone insured with Lockton??

    I've just read this thread with interest as I have a new 991 GTS coming and was thinking of giving Locktons a call when delivery is under a month away (quotes generally are valid for a month so pointless asking for one earlier). I haven't heard of an insurance company that uses a different NCB system, basically it sounds like they are dropping the protected NCB - I wonder if it's something others will shift to? It sounds a much worse system if one accident wipes out any discount - how do Locktons treat you after one accident? normally a protected NCB will have no penalty for that - it is a problem going elsewhere though as you have to declare it so in reality it does 'load' your premium. Another insurer I was going to ask is AIB (a sponsor on here), might be worth asking them what they can offer you. I am with Aviva for our other two cars, and I was with them for the BGTS and have a full NCB waiting to use on the 991, so naturally I will be asking them too as I've found their cover decent and at a competitive price. Insurance is a minefield, and it seems to be getting worse. What would be useful is a thread only for those who have made a claim and report who they were with and how they were treated, that would be the best way to assess how good each company is.
  11. Gap insurance

    Just found this thread and reading with interest as I'm considering GAP for my new BGTS. I have a GAP policy on my BMW from Frank Pickles gapinsurance.co.uk - they allow the policy to be deferred for up to 12 months should your insurance cover the first year. The price was good too, £250 to cover from the end of year one to the end of year five. ALA look pretty much the same - except no mention of deferring the start. I'm still undecided regarding the Boxster as it isn't a DD and will do less than 10k miles per year - as such it's a luxury rather than a necessity. However, GAP could be very well worth having especially in years 2 to 5 as a total loss payout would be considerably less than a new replacement car - but if I would be happy with one of a similar age the payout should cover it. Cost is quoted at £330 for four years £50k cover which is not bad, hmmm...
  12. Multi Car Insurance

    The car insurance industry is rife with ridiculous premiums, it's about time something was done about it really as many busy people without time to check quotes are being ripped off. As for me I haven't shopped around this year as I was happy with Aviva, the new BGTS was added as an extra car - a few phone calls were needed to sort it out - swapping a full NCD to the Porsche from our old Focus runabout (Focus premium stayed the same!), and I wanted policyholder plus five drivers, their online system only allows for policyholder plus four - they eventually gave me any driver and the premium is only £330!!
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