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Lumply

Lumply

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I plan to buy a 987.2 towards the end of this year when I return from overseas. Value of car approx 23K no GAP as it will be cash purchase. Currently I am a named driver on wifey's insurance as for many years I've only been an occasional driver in the UK, of pensionable age clean licence for 40+ years, foreign and UK. No NCB. At this stage I just need a ballpark figure for budgeting, any ideas of cost for 10K miles pa? And/or suggestions about best companies out there? 

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6 hours ago, Lumply said:

I plan to buy a 987.2 towards the end of this year when I return from overseas. Value of car approx 23K no GAP as it will be cash purchase. Currently I am a named driver on wifey's insurance as for many years I've only been an occasional driver in the UK, of pensionable age clean licence for 40+ years, foreign and UK. No NCB. At this stage I just need a ballpark figure for budgeting, any ideas of cost for 10K miles pa? And/or suggestions about best companies out there? 

Insure the Porsche in your wifes name and insure one of the other cars separately without NCD, you may be able to get the NCD mirrored on the second car.

No NCD on anything other the Porsche will be cheaper.

I insure my car with Locktons they arrange insurance for PCGB and have a special scheme that doesn't use NCD at all, I would call them to discuss it.

http://locktonperformance.com/our-cover/porsche.html

Quote
  • A fast and fair claims service.
    Our claims specialists are consistently voted the best in the UK by the industry. Their sole aim is to make your claim as stress-free as possible. They understand the importance of a fair settlement and a rapid and sympathetic repair. They aim to have your car restored to the condition it was before the claim and get you back on the road with the minimum fuss.

     
  • You choose the repairer.  
    We are happy for you to choose your own repairer in the event of a claim. We understand that many owners will have a particular garage that they trust who know their car inside-out. Unlike other insurers, we won't interfere with these relationships. If you prefer to use one of our recommended repairers, then we can guarantee that genuine manufacturer parts, including panels, will be used wherever they are available.

     
  • No arguments about the value of your car after a claim. 
    Most standard policies, regardless of the sum stated in the policy, pay claims based on the so-called 'market value' of your car. This tends to be based on the Parker or Glasses Guide part-exchange or trade price – likely to be a lot less than the replacement cost, potentially leaving you thousands of pounds out-of-pocket. 
    However, our policy allows you to insure your car – whatever its age – at a value we all agree at the start of the policy year.  And hereâs the thing, this sum is fixed for the whole policy year.  We call this 'Agreed Value'. If your car is written-off you'll receive the full 'Agreed Value' with no infuriating haggling and, unlike some others, no deductions (excess or depreciation). So from the outset you'll know exactly what you'll receive.

     
  • You can keep the salvage, if your car is written-off.  
    If your vehicle is a write-off and you wish to retain the salvage, the Scheme policy gives you the right to do so.

     
  • Five named drivers.
    Each policy can have up to five named drivers.

     
  • You can use your car for Track Days and Rallies. 
    Many of our clients enjoy UK track days and rallies with their car. Just let us know and weâll make sure your policy automatically includes a Track Day extension. Some special conditions may apply.

     
  • You're insured for driving in the EU. 
    The policy provides full comprehensive cover, free of charge, for trips up to 90 days within the European Union, Norway and Switzerland.

     
  • Complete UK & EU breakdown cover.  
    Breakdown and recovery cover while driving abroad is often a difficult area with other insurers. As part of the Scheme you're automatically insured for full UK and Europe breakdown and recovery cover, including HomeStart.

     
  • We'll look after everything if your keys are stolen. 
    If the keys to your car are stolen, and not recovered, we will pay to replace all entry, ignition and steering locks that can be opened or operated with the lost keys, and there is no excess charge, whatsoever.  

 

Edited by Southy

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A friend went to Locktons who were apparently reluctant to quote him - he'd just bought a Cayman GTS - as he didn't have any experience of sports cars.  Now I wasn't in the conversation and heard this third hand but I can see why a broker or underwriter might be concerned about this.

That said this is an isolated case and many speak highly of Locktons and so in your situation I'd be sure to contact them.  

Whilst I have no problem obtaining car insurance my cars are a long, long way from standard and have to be covered for work use, no mileage restrictions, customer site visits and the like so my insurance context is unusual .  This site has a sponsor in A-Plan and in my experience the guys at A-Plan Thatcham have always delivered good service with proper cover at a sensible premium - I'd recommend you give them a try.

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When I got my 986 2.5 a couple of years back I asked Greenlight on here for a quote, but they declined on the basis I had no experience of powerful rear wheel drive cars. I went with A Plan instead who had no such bar.

Why not put your details into a comparison website, this will give you a ballpark figure which a specialist broker should be able to better. @Southy's idea is a good one.

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I’ve been a company car driver for years so no NCB to speak of but used a comparison site and got my insurance with LV for just under £300. £400 excess in total on 6k mileage p/a which I was happy with on a car I payed around 24k for. Good luck with your purchase later this year. 

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6 minutes ago, Ian123 said:

I’ve been a company car driver for years so no NCB to speak of but used a comparison site and got my insurance with LV for just under £300. £400 excess in total on 6k mileage p/a which I was happy with on a car I payed around 24k for. Good luck with your purchase later this year. 

Same on the company car front.  Manning gave me maximum NCD based on a letter from the company stating I had made no claims for > 5 years...

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