What car insurance company are you with? Please vote in this poll :)

Please vote both for the company and they type of cover:
Classic
Modified
Standard


I've left it with no close date so it rolls on and on.

The poll doesn't let you change you vote but I can change it.

So, if you already voted, then renewed with a different company please let me know and I'll change the vote to the new company you're with.

That way we keep a track of what the current popular companies are :)





Please add to this list companies that are known to insure our members:

Admiral
Adrian Flux
Allianz
Aviva
Brentacre
Chris Knott Insurance 01424 200477
Elephant
Footman James
Graham Sykes 01395 255 100. I've registered the RTOC with them so it should smooth the process for RTOC members in future.
GSI
Hagerty
www.heritage-quote.co.uk
HIC
Lancaster
Performance Direct
PeterJames
Sureterm
Sky

adrian flux are another on classic or modified

Adrian Flux
Graham Sykes

i used dna insurance was paying £350 ish, with 2 drivers and all mods declared :p

I tried getting a classic policy on a '92 Astra GTE 16v, ok its not a R5 but same era of hot hatch anyhow...

Adrian Flux
Elephant
FJ
HIC
Performance Direct
Sky
Graham Sykes

all the above quoted from £450 upwards to £2600!? and I'm 29 with 10 years driving experience (1 claim and 3 points 3 years ago)

In the end got it for £250 (could of been less if mileage reduced from 3000) with http://www.heritage-quote.co.uk/

HIC classic policy
up to 3000 miles
guaranteed value of £5000
all mod declared


b18
cage
no back seats

35 Newcastle
mirrored ncb

£550 :)

Lancaster - classic

Footman James

6000 miles per year

£299


:)

All mods, guaranteed value of £4k, 3000 miles.

£119.00 with Footman James.

DY2 Dudley

Connectic through Adrian Flux,
Agreed value,
Mods declared,
Fully Comp,
Limited 3000 miles,
No NCB due to traders policy last 10yrs,
RTOC declared;)
£155 all in
:)

Graham Sykes for me....

Shoppers tipped me off about Graham Sykes too

Clio fully comp, declared every single mod inc rollcage, coilovers, buckets, harnesses, brakes, powerflexed polybushes etc.

£494 with 7 years protected no claims

Sky Insurance wanted £950
Brentacre £600

Graham Sykes were very helpful and polite over the phone, highly recommended

:cool:

HIC just quoted me for a 2001 Clio 172, standard with no mods, 3000 miles, £1500 value, protected max NCB:

£550 TP,F&T
£625 FC.

It's all about where you live.

I went through the list last April to get ins on the 1.1 litre Fiat Cinquecento.

They mostly quoted:

£600 to £1000 !!!! FC, 3000 miles, £1500 value, some mods. They are avalable used with no mods in good condition for £600.

HIC and Avira were the only ones to really try and get the sale. Quoted about £360. I went for TP,F&C with HIC for £220 in the end as I was already with them. Insured to drive other cars and agreed valuation, but they didn't honour that and wouldn't do the valuation. I got a terse refusal with no explanation. I got the impression they didn't do it for anything under £2000.

I actually couldn't believe how good the quote was, she read out the list of modifications just to make sure I hadn't missed off the rollcage for that price!

Sky said it was the combination of rollcage and phase 1 Clio 172s going through a bad time that lead to their high qoute. They just couldn't get near to Sykes and Brentacre

Not a Renault but I insure the Subaru with Aviva. My renewal with HIC was getting near £700 last year. Aviva, fully comp, protected n/c, mod's declared - £317.

This was much lower than the so called specialists. I'm ringing them in the week to add the 5 to my policy and I'll let you know :agree:

Last year I was with Footman James - fully comp, mods declared etc for £430 had the renewal through last week and they wanted £583 :eek: so I rang them to see if they could do it any cheaper and they said they didn't even do discount for RTOC members :disagree:

So after ringing around I am now paying £291 - classic policy, fully comp, 8yrs NCB, with all mods, legal and breakdown cover from Graham Sykes. Well chuffed. :smokin:

They also said they will sort out agreed valuation if I send some photos in too. Just wish I had tried them last year.

sureterm £90

Just had a quote for the 19 Turbo from H.I.C. with Highway on a classic policy, I'm
36, 7yrs NCB (although not used on classic) RH postcode, parked on drive, 2k miles PA.


All mods declared inc rear cage & 170bhp power increase over standard
Track cover (non competitive)
Agreed value 4k

£521 if I fit a thatcham device (immob will do) F/C
2nd best was £568 with no track cover.

Quote:

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Originally Posted by Robbo

sureterm £90

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When looking around for Insurance I came across Sureterm, then done some research on the company, :crap: if you dont need to make any changes of details, make a claim or send any paperwork to them you will be fine.

With FJ and got £155 fully comp with agreed value

FJ wouldn't quote after asking how much power was increased by :disagree:

Quote:

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Originally Posted by 5teve L

FJ wouldn't quote after asking how much power was increased by :disagree:

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Had that same problem, great for non modified or slightly but no to big increase to power, with HIC for my black 5

Quote:

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Originally Posted by Bigfoot

When looking around for Insurance I came across Sureterm, then done some research on the company, :crap: if you dont need to make any changes of details, make a claim or send any paperwork to them you will be fine.

With FJ and got £155 fully comp with agreed value

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thats the plan:)

i have found that whoever i have insured my cars with none want to pay out etc

Footman James :)

just had my renewal through from footman james was £324 last year this year was £393 then i noticed iv stated 6k per year so rang and changed that to 3k per year and it dropped to £204.42p :) absolutely chuffed to bits.

had quotes off hic £406 and graham sykes £368

I changed to Graham Sykes from HIC. For the modified Fiat Cinquecento.

I've added a poll :)

I've left it with no close date so it rolls on and on.

It doesn't let you change you vote but i can change it.

So, if you already voted, then renewed with a different company please let me know and I'll change the vote to the new company you're with.

That way we keep a track of what the current popular companies are :)

I'm with privilege for the 172

04 plate standard car
6k miles PA
RH postcode
6 yrs NCB
All add ons (protected NCB etc)

under £400

Admiral multicar policy.

£0.86p

Downside is i have to pay it in full!;)

I just insured my 21turbo with Lancaster (classic) fully comp with all the extras, 5k limited mileage, Mods declared £230 :-)

Quote:

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Originally Posted by MATT C Ringworm Tuning

Admiral multicar policy.

£0.86p

Downside is i have to pay it in full!;)

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Ey hows that matt, serious will they even touch a modded gt?

Are you able to state whether you have to garage the car over night or not required next to. Your policy details.

When I researched insurance last year I had to go with a standard company because I would not be storing it in a garage over night.

Most companies offer a discount if garaged over night. Some refuse to insure if not garaged when in certain post codes, as you've found.

Quote:

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Originally Posted by philg

Ey hows that matt, serious will they even touch a modded gt?

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It's my standard five mate. It's only really insured for being in the garage as its not useable at the moment.

Quote:

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Originally Posted by Ian S

Most companies offer a discount if garaged over night. Some refuse to insure if not garaged when in certain post codes, as you've found.

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I am just surprised that everyone garages their car at night all year round.

My gordini Turbo is insured with Adrian flux, fixed value and limited miles( iv just turned 25) and it comes to the measly sum of £168 a year!

Please add to this list companies that are known to insure our members:


http://www.allianz.co.uk/ :)

WORD of WARNING.

I have nothing but problems with Adrian Flux, denied recieving my paperwork TWICE, have cancelled my insurance, charging me over £112 for the remainder of the cancelled policy....

But would lower that to £48 if i took another policy out with them.... & that policy would now cost £457 instead of the £285 it was 6 weeks ago.....

Not going with them, & they can take me to court... & will post this story everytime somebody mentions whho to get insurance with.

I highly recoment Graham Sykes.

I had an aggravating time just getting a quote from Flux. Bullying, aggressive, annoying, argumentative, unpleasant, salesman.

Then after all that he said because they are owned by the same parent comapny, or whatever, as HIC, who I was already with, he couldn't quote anyway.

Quote:

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Originally Posted by Ian S

I had an aggravating time just getting a quote from Flux. Bullying, aggressive, annoying, argumentative, unpleasant, salesman.

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Defo the WORST insurance company out there... Still have 2 policies with them... Until i get round to moving them elsewhere....

also had problems with adrian flux in the past ,i would not use them again.

I've been with flux for 9 years never had a problem and they always beat a lower quote

Adrian Flux & HIC are owned by the same company

just paid my yearly sub with footman james very cheap :D

I've used flux for years and always been competitive and helpful on the phone for mods and changes etc.

however I've heard they are awful when it comes to a claim and actually paying out. touch wood I've never had to but I can't say it doesn't play on my mind, especially on the daily as it sees a lot of mileage.

as such there's a real possibility i'll be swapping this year to a competitor with a good rep for payouts for the daily and perhaps even the turbo next time if I decide to use it on the road more

Quote:

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Originally Posted by Penfold aka The Dealer

WORD of WARNING.

I have nothing but problems with Adrian Flux, denied recieving my paperwork TWICE, have cancelled my insurance, charging me over £112 for the remainder of the cancelled policy....

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They did EXACTLY the same to me years ago, C***S :mad:

Wouldnt touch em with a barge pole!

Peter James insurance.

All mods, 1500 miles, garaged, fully comp, BB postcode (dog ****!!)

£180

I'm happy with that:)

The 21's with lancaster classic

Fully comp, mods, all the extra's with 5k mileage

£220

Win!!

Just insured the 5 with lancaster

£125.10 all mods, full comp, garaged, 3 years ncb, np23 postcode

allways been with hic and there quote was £396.50 third party

Graham sykes.. My 5 (first car), im 21, mods declared cage,bucket seats,wheels,coilovers,frontmout etc fully comp £1300 cheapest i could find!

Just taken out insurance today with Sureterm - £123.82. I allowed my previous policy with Barry Grainger to lapse by 5 days (didn't use the car!) and they had to do a new quote which was £60 odd more, so naturally I told them to do one. :)

Quote:

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Originally Posted by Alex

Just taken out insurance today with Sureterm - £123.82. I allowed my previous policy with Barry Grainger to lapse by 5 days (didn't use the car!) and they had to do a new quote which was £60 odd more, so naturally I told them to do one. :)

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Wow, Alex mate that is cheap... What cover have you got? Mods declaired? Limited mileage?

It's a classic policy mate and only 1k per year as it sits in the garage most of the time. Plus I'm dead old! :D

Decided to go with Sureterm in the end as well for my Raider, £5k value and 3k miles, £95 after FJ wanted nearly double that and wouldn't get close to that price.

HIC 3rd party F&T all mods declared

Adrian Flux - fully comp, mods declared £128

For those insured with SureTerm, did you protect your NCB?

Cheapest I've found so far is Yes! with £274 with protected NCB.

However, without protected NCB, SureTerm came in cheapest at £140.

Just gonna phone FJ & G.Sykes...

:cry:

FJ: £300.18 but I wouldn't be insured to drive any other car.

Sykes: A very polite, helpful, young lady, but a monkey?! :crap: (that's the premium price, not her btw! :D)

It's like trying to insure the Evo all over again... :dearme:

Quote:

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Originally Posted by Mart

FJ: £300.18 but I wouldn't be insured to drive any other car...

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When do you do that now-a-days really?

Not like you would years ago driving mates cars & all that?

True, except I do drive Bekki's car now & then.

It's looking like Yes at the mo.

Ironically, and somewhat typical, although not surprising seeing as it's me, I've just had a couple of renewal emails through regarding the Evo, and the cheapest one is a good £200 less than last year's premium, and that's without phoning around trying to haggle a cheaper deal :cry:

Quote:

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Originally Posted by Mart

True, except I do drive Bekki's car now & then.

It's looking like Yes at the mo.

Ironically, and somewhat typical, although not surprising seeing as it's me, I've just had a couple of renewal emails through regarding the Evo, and the cheapest one is a good £200 less than last year's premium, and that's without phoning around trying to haggle a cheaper deal :cry:

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Don't start that again :rolleyes:

You can't shower in an Evo! ;) And besides, you should be on Bekki's insurance, that would probably reduce her premium?

Megane 225 6k a year, on the drive over night, work carpark all day....... The AA £170 with pncb. Quite happy with that!

No protected no claims on my policy. I have another policy for my daily driver, and you can't use your NCB on 2 cars! I think my policy is classic and I couldn't build up a NCB at any rate?

Such a con :rolleyes:

Well, after much phoning around, and trying all the 'compare' websites, the best I got was £274 - Fully comp, £4k value, 5k miles per year, protected ncb, drive any car, euro cover, legal protection, Bekki as a named driver, blah blah blah.

How the feck some people are getting sub £150 quotes beats me? I'm guessing it's a case of either third party cover only, no protected ncb, they're quoting a silly usage mileage per year (eg, <500 miles), their car is only valued at £50, or there's some serious BS going on.

Like said Sureterm is not protected NCB but haven't got any on that car anyway. £5k insured for, 3k miles per year, dont need insurance to drive any other car as got that on another vehicle, and euro cover. Thats full comp and £95, will be finding out what the renewal is in a few months time. But think area I live in helps that a lot and kept on driveway.

Yep, by not protecting the ncb does net a massive saving - SureTerm came back with £133 for me, which is over half what Yes wanted, albeit their policy includes protected ncb.

Was v tempted to go with ST, but the ncb issue is a sucker punch IF you end up having to make a claim.

my sureterm policy was low milage classic and garaged. so it didnt use my no claims as they are on the bm

Quote:

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Originally Posted by Robbo

my sureterm policy was low milage classic and garaged. so it didnt use my no claims as they are on the bm

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Similar story for me.....

So, my insurance is due up in a couple of weeks and Sureterm will no longer insure me due to a change of their policies or something. The brokers best quote is through Lancaster - £175. I've been on the usual comparison sites and thats just about the best I can get :crap:

New poster! (less than 10 posts)

Whats the results on this poll please as I am looking to insure mine again but dont fancy phoning all them in the list, cheers

Got some prices for my car. BIG mod list, includes rollcage etc. All quotes 3000 mile limited with £250 excess and agreed valuation.

Footman James : No quote, power increase too much captain.
Sureterm : £507 (*not classic policy as the don't offer them anymore :crap:)
Peter James : £290
Graham Sykes : £225 (* no agreed valuation on modified cars).
HIC : £270, but then matched Graham Sykes @ £225 after haggling :p

I went with HIC :)

Had another quote for Peter Best for my 19 i'm picking up soon, 130 Quid fully comp including legal cover i'm 25, no points etc

Prab

Has anyone on here been banned before and got classic car insurance I have in 2009 and I am struggling to get any classic car insurance any help i would be really great full

Brentacre £198 fully comp all mods declared with the b18 in.. Well chuffed

Peter James £136

Renewed mine, agreed value of £6000 and 2000 miles a year limit.

£170.

I have just started a policy with Peter James Insurance as my old policy lapsed 8 month or so ago.

I'm 32
bb postcode
1500 miles a year
garaged
fully comp
I haven't agreed the value yet
classic poilcy
ALL Mods declared

£264 for the year.

Both sureterm and footman James wouldn't quote because of the modifications. HIC were a joke £730, Adrian flux wanted £556, and basically non of the others could beat Peter James.

Amazing how things change so quickly in the insurance game. I'm actually quite disappointed as I was looking for under £200 as my car will probably do 10 miles before I break it again:laugh:

Just insured with autonet through money supermarket, still spent 40 minutes on the bloody phone though.

6000 miles
All mods declared
0 no claims as used on other cars
Mrs as named driver
£237
I am 36 mind so that helps

£120 with Adrian flux this year. Even with a change of address to a worse area didn't effect it

£228
Flux Direct
age 29
10,000 miles limit
parked on private land*
0 no claims (no accidents or points)
sweet

Flux and HIC (sister companies as far as I know), and Sky, seem to have this market sewn up (with Footman and Graham Skyes covering off the classic car angle). I've been with one of the first three for years and years.

While this post is back up. I've just insured my t5 with Brentacre very good as they do not charge extra for any mods other than engine mods.
Not sure about Classics but when I'm up for renewal I'll be calling them for a quote on my 5.

New poster! (less than 10 posts)

Footman James 2k miles per year £103 👍

Hello Folks,

Got quoted fully comp just shy of £200 for standard car, agreed value £10.5K,
5,000 miles which includes stuff like roadside assist and continental use.

Insurance by Towergate Cherished Car (Aviva) arranged through Prestige Keep Moving
I'll be testing them again when my Laguna Coupé comes up as they specialise in
Disabled Drivers too :niceone:

Regards,
Steve

Good price Steve especially the agreed value.

Quote:

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Originally Posted by Matt Cole

Good price Steve especially the agreed value.

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Yeah, I thought so. I was dreading what the cost of agreed value might have been,
but when you factor in the breakdown cover (not within 1 mile from home) I think
it's quite good. It's much less than when I had it on the road back in the day. I got
a shock when my R11T policy cost shot up £100+ to nigh on £500 for the R5 :eek:

Regards,
Steve

I am with Autonet, underwritten by Highway..
Classic car insurance with agreed valuation, I paid £ 126.00 for the year....

Peter James for me. £207 all mods declared.:D

Quote:

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Originally Posted by Matt Cole

Peter James for me. £207 all mods declared.:D

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Is that classic?

Just renewed mine today with Footman James who I've used for the last 15 years.
Agreed value of £9000, Limited mileage of 2000, Club Discount applied.

£196.00

Quote:

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Originally Posted by Ian S

Is that classic?

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Yes it is.