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smartin

Would I be wasting my time looking at the more specialist insurers?

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As it is renewal time, i am looking around for the best price/cover compromise for my 2012 981 Boxster S. Had two accidents in the last 18 months (one in a previous 986 Boxster which was non-fault and one in this newer one which is deemed my fault but was due to being hit in a car park whilst at a hospital appointment) but with protected no claims bonus still have full NCD.

Would I, therefore, be wasting my time dealing with the more specialist insurers such as Mannings, Locktons and the likes of the forum sponsors and NFU Mutual that I see mentioned a lot on here? My current insurers (AA) only give you a courtesy car if you use their approved network for repairs (which obvs won't include the OPC network) so wondering if there are any reasonably priced insurance companies that let you choose where your car gets repaired without robbing you of the courtesy car and other benefits.

Don't think my current insurers want my business as premium gone up by £600, although I don't know how much of that is due to the latest accident and how much is due to the change of car. Should add that it is my only car but, because I work from home, only needs 6,000 miles a year on usage.

 

Thanks in advance

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I'm afraid the only answer to this is to put in the leg, or ear work. Comparison sites will give you a starting point. However there are so many variables in insurance that no one else's quote will be applicable to you.

Re specialists, I have never had a decent quote from one, tried 2 for my 718 and they were absurd, but they are very competitive for some. I'd find the best quote from a comparison site, then ring the specialists to try and beat/match it. 

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8 minutes ago, Scubaregs said:

I'm afraid the only answer to this is to put in the leg, or ear work. Comparison sites will give you a starting point. However there are so many variables in insurance that no one else's quote will be applicable to you.

Re specialists, I have never had a decent quote from one, tried 2 for my 718 and they were absurd, but they are very competitive for some. I'd find the best quote from a comparison site, then ring the specialists to try and beat/match it. 

Thanks for the reply. Totally understand about insurance being dependent on each individual. Was just after names of insurers that were OK with me using a garage of my choice for repairs without losing the benefits.

I've already refreshed my comparison site details (albeit without the last accident but with the newer car details) just to see what kind of quotes would come back without the last accident being taken into account and the lowest quotes were less than I paid last year for my old 986. But those insurers will definitely be of the "use our garage network or no courtesy car" type.

Will be interesting to see how much the comparison site quotes go up once the details of the last accident are added into the equation.

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Protected no claims is just a gimmick IMO, its does not mean that your insured risk won't increase so all they do is increase that by more to offset the no claims discount ie they make up the rules.......

Shop around every year, no matter what, insurance loyalty only get you ripped off........having said that I've been with classic line for a few years no. ITs a slightly different form of insurance so there is no, no claims discount but what matters at the end of the day is the cover and what goes out you bank account......worth giving them a shout as they are a small outfit (based in Hinkley) but used by a lot of Porsche owners around the country 😉

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Try A-Plan on here  - I have protected no claims and took out the back light of a Merc in a car park last year when I was with E-sure  (had 5 mins previously taken a phone call saying house sale had fallen through 24 hrs before due to exchange ) and just didn't see the car in my wing mirror blind spot  - Merc claimed over £4000 in damage (the owners wife told me he was going to change it in anyway , so must have been on contract and claimed for everything as it was only the rear light - no paint damage ) !

I have a 2017 Fiesta as my daily and 2007 SE for fun - A-plan mirror my NCD and I pay £300 a year on the Box fully comp with 5000 miles and £320 a year on the Fiesta with 7000 miles.I also paid an extra £42 a year for total loss cover on the Box as they don't do agreed value,but do do open market value rather than book value and then then the total market loss pays out an additional 25% of the cars open market value if it is written off.

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^^^^ what CAS said I've been with A-Plan for many years and have two car my every day and the boxster and they said they use my 9 years NCD on my boxster and mirrow my NCD on my everyday car.

Mind you it's very confusing because I just got a reminder for my everyday car and it quotes only 3 years NCD so I called them and asked why if they morrow my 9 year NCD and they said although the policy shows three years that's just what NCD my everyday car is building up but they reflect my 9 year NCD in the quote.

It's what you get quoted that matters, although you should check around something I must confess I don't  always do.

I'm well passed retirement age and get too confused. 

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13 hours ago, CAZ said:

Try A-Plan on here  - I have protected no claims and took out the back light of a Merc in a car park last year when I was with E-sure  (had 5 mins previously taken a phone call saying house sale had fallen through 24 hrs before due to exchange ) and just didn't see the car in my wing mirror blind spot  - Merc claimed over £4000 in damage (the owners wife told me he was going to change it in anyway , so must have been on contract and claimed for everything as it was only the rear light - no paint damage ) !

I have a 2017 Fiesta as my daily and 2007 SE for fun - A-plan mirror my NCD and I pay £300 a year on the Box fully comp with 5000 miles and £320 a year on the Fiesta with 7000 miles.I also paid an extra £42 a year for total loss cover on the Box as they don't do agreed value,but do do open market value rather than book value and then then the total market loss pays out an additional 25% of the cars open market value if it is written off.

 

43 minutes ago, John2000 said:

^^^^ what CAS said I've been with A-Plan for many years and have two car my every day and the boxster and they said they use my 9 years NCD on my boxster and mirrow my NCD on my everyday car.

Mind you it's very confusing because I just got a reminder for my everyday car and it quotes only 3 years NCD so I called them and asked why if they morrow my 9 year NCD and they said although the policy shows three years that's just what NCD my everyday car is building up but they reflect my 9 year NCD in the quote.

It's what you get quoted that matters, although you should check around something I must confess I don't  always do.

I'm well passed retirement age and get too confused. 

Thanks both.

I'll certainly try them and see what I get. First, I need to add the latest accident to my Confused.com etc quotes to see how much they go up. Then, I will know what kind of figures I am looking for others that don't appear on the comparison sites to match/beat. I've still got a few weeks yet before renewal date, so plenty of opportunity to search around!

As I hit the 50 mark earlier this year I am hoping that might offset some of the increase that the 2nd incident might load onto the premium. 😰

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1 minute ago, smartin said:

As I hit the 50 mark earlier this year 

I can't remember when I was 50 such a long time ago

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Nope it will increase it 

 

 

 

 

only joking as insurance companies make their own rules up so who knows. All that matters is you get like for like cover ie what you need and what goes out your bank account 😉

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