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Thread: Insurance choices

  1. #11
    A348W's Avatar
    A348W is offline I don't use deodorant Club Member
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    I just renewed with Lockton for my 2nd year of ownership; underwritten by Chubb.

    Went with them originally with the FOC membership, which I wanted. This year was only an increase of circa £10 so I was happy with that and didn't get spurned on to shop around to do the usual price comparison. I should do next year...!

    I haven't got agreed value, but market rate which I'm content with as there are always sufficient for sale to get a reasonable price comparison. (Had to do this with a motorcycle that got written off years ago and had no issues with the insurance company, print off of all those for sale in the uk, took the average!)

  2. #12
    Arron is offline Only useful for school runs - The Ferrari 308GT4 Club Member
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    Thanks again both, Iím waiting for my AIB quote having spoken to them today, I will give Classic Line a go in the morning

  3. #13
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    Kyodo is offline Frankenstein's monster - The Ferrari F430 Club Member
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    We're paying £900pa with AIB for our 360. We also have two other cars insured with them and to be honest, they're not exactly cheap to insure with AIB either. I'm not sure why but always it seems more than others on here state and we're on the verge of jumping ship. It's a Hiscox policy.

  4. #14
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    Quote Originally Posted by Kyodo View Post
    We're paying £900pa with AIB for our 360. We also have two other cars insured with them and to be honest, they're not exactly cheap to insure with AIB either. I'm not sure why but always it seems more than others on here state and we're on the verge of jumping ship. It's a Hiscox policy.
    My renewal in September (Pace Ward) was ~£1,300 for the 360, Cayenne, Alfa Spider and AM Vantage. (Note, I have over estimated mileages for each car too - all are at least 6k miles a year I think).

    I switched to AIB because I wanted the benefits of the High Net Worth policy (Hiscox) because I liked the extra benefits. It is a big increase though (£1,800) so I haven't decided yet if I'll do the same this year. A £500 difference is a lot - on the other hand, I do like agreed value and I do like that I can drive other people's cars fully comp. And they can drive mine fully comp, but that is a downside since it means they think they can....

  5. #15
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    Mike01606 is offline Kid's bed - The Ferrari F50 Club Member
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    Quote Originally Posted by Kyodo View Post
    We're paying £900pa with AIB for our 360. We also have two other cars insured with them and to be honest, they're not exactly cheap to insure with AIB either. I'm not sure why but always it seems more than others on here state and we're on the verge of jumping ship. It's a Hiscox policy.
    I sometimes feel the same Mark.
    Iím paying more than that for a Chubb Masterpiece policy.
    360, T4 Westfalia, Z4, 3 series.

    Chubb donít like insuring single cars due to risk spreading.
    I moved from Hiscox as Chubb do not have the 30 plus age limit on the any driver and would not cover my kids.

    With Chubb my 24 yo can drive the 3 series this year and they may extend next.
    My 26 yo can drive them all, as can any driver with a license and my permission. I enjoy sharing my stuff when needs arise.
    Unlimited miles, choice or repairer, business use, I can drive anything fully comp, breakdown cover inc homestart, legal etc.

    For me it is worth paying the premium for the extras but I may get fed up eventually.

    £2175 pa....I look at it as £550 per vehicle for one of the best policies around.
    I know I can get the DDís for much less and van through a specialist but then the 360 on its own would be very expensive.
    Maybe the cheapest I could get all four would be about £1200...

  6. #16
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    I thought the age limit for other drivers on Hiscox was 25?

    Chubb policy sounds good though - I don't think my breakdown cover includes home start.

  7. #17
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    Kyodo is offline Frankenstein's monster - The Ferrari F430 Club Member
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    Thanks for the info on your premiums. Just to add the £900pa I mentioned is just for the 360. It's another £700-800 to have our TT & Boxster (valued at around £8k each) so now our annual renewal comes in at around £1700 and it's a bill that becomes a little hard to swallow.

    I do understand and appreciate the benefits though with our AIB policy, which is why we're currently with them. Maybe it's time for me to do a little more homework...

    Has anyone gone direct to Hiscox?
    Last edited by Kyodo; 28-06-2018 at 01:26 PM.

  8. #18
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    Quote Originally Posted by Kyodo View Post
    Thanks for the info on your premiums. Just to add the £900pa I mentioned is just for the 360. It's another £700-800 to have our TT & Boxster (valued at around £8k each) so now our annual renewal comes in at around £1700 and it's a bill that becomes a little hard to swallow.

    I do understand and appreciate the benefits though with our AIB policy, which is why we're currently with them. Maybe it's time for me to do a little more homework...
    I can see why you think that's a tad high.

    Your policy is only ~£100 less than mine, and I have an extra car - plus the Aston is worth about twice the combined value of your TT / Boxster.

    We've met, so I know it's not being loaded due to your youthful age.

  9. #19
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    Quote Originally Posted by dave964 View Post
    We've met, so I know it's not being loaded due to your youthful age.

  10. #20
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    Default Insurance choices

    If Hiscox are like Chubb theyíll only work through a broker.
    Are they on separate policies Mark as I never saw the price for each?

    It was 30 for me Dave. Watch that one or it could be expensive!
    Chubb have no age limit. They have to be named only if they live at the address.
    My youngest is a bit gutted that she canít drive the 360 whilst her boyfriend could (notice I donít say can/does).
    To be able to drive, she has to move out.....thereís never a response to that. Result!

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