R5 CHEAP Car Insurance

**Chris Walker** · 01-02-2010, 14:00

New poster! (less than 10 posts)

Just thought I should let you all know I recently recieved my renewal quote through for my Renault 5 GT Turbo... I'm 24 and have 5 years no claims, my car has only basic modifications and recieved the following quote from Hert Insurance:

Hert Insurance: £547 (UNPROTECTED no claims)

I decided to phone about a bit as I'd been with the company for 3 years... Most companies came nowhere near this quote. Then I phoned 'Sky Insurance' brokers on 0870 11 21 759 which the RTOC had recommended under it's contacts list. They where very keen to get my custom and the following price was agreed over the phone with an Insurance company named 'Marker Study'

Sky Insurance (Marker Study): £375 (PROTECTED no claims)

That's a huge saving, so I thought I should let you all know!

One of the things that kept me with Herts Insurance for the past 3 years was the fact they did an 'agreed valuation', Sky Insurance did not offer this but I was told with confidence that the insurer was very good at paying out a respectful amount as it specialised in modified cars.

Hope this helps you

**djinuk** · 01-02-2010, 14:09

I tried to get a quote with sky but im sure they wudnt let me, but i cant remmber why.. maybe under 21 or somthing hmm.

**Sy5GTT** · 01-02-2010, 15:28

Nice one Chris. Mine is due this month and HIC have decided to put it up by £80 a year??????

I'll give them a ring.

**Ricardo** · 01-02-2010, 15:37

I seem to remember Ian S knows the people at SKY insurance or brought this company to our attention a while back, maybe on the old RTOC site. Do we not have any discount?

**Penfold aka The Dealer** · 01-02-2010, 15:39

Originally Posted by Chris Walker

New poster! (less than 10 posts)

One of the things that kept me with Herts Insurance for the past 3 years was the fact they did an 'agreed valuation', Sky Insurance did not offer this but I was told with confidence that the insurer was very good at paying out a respectful amount as it specialised in modified cars.

Hope this helps you

Respectful to you & respectful to the insurer is completly different... Personally i would have gone to whom ever offer's you agreed value as it will be bloody hard to get anywhere near your value of your car from any insurer... But the choice is down the to you.

**Ricardo** · 01-02-2010, 15:41

Didn't Herts get taken over by Adrian Flux?

**Penfold aka The Dealer** · 01-02-2010, 15:44

Originally Posted by Ricardo

Didn't Herts get taken over by Adrian Flux?

Sadly yes, although different office & staff..

**Ricardo** · 01-02-2010, 15:48

Originally Posted by Penfold

Sadly yes, although different office & staff..

Lets hope Herts aren't run the same way as Adrian Flux...

**Penfold aka The Dealer** · 01-02-2010, 15:49

http://www.graham-sykes.co.uk/ - A good company to get insurance with

Regarding Sky Insurance, back in 2005 Jae Pearse set up the club with a discount..but this was 5 years ago now..

**Hoolio** · 01-02-2010, 16:11

Originally Posted by Ricardo

Lets hope Herts aren't run the same way as Adrian Flux...

Can you expand on that, I insure the 5 through them (£200 agreed value etc) but can't say I've felt very comfortable with them.

**D4WNO** · 01-02-2010, 16:16

Originally Posted by Ricardo

I seem to remember Ian S knows the people at SKY insurance or brought this company to our attention a while back, maybe on the old RTOC site. Do we not have any discount?

Indeed, they've been back in touch with me to renew this and then have disappeared for a while. I'll do some chasing again

**Penfold aka The Dealer** · 01-02-2010, 16:17

Originally Posted by Hoolio

Can you expand on that, I insure the 5 through them (£200 agreed value etc) but can't say I've felt very comfortable with them.

Flux have been known to be very slow when dealing with claims, not always very helpfull and like most insurance compaines will try and wiggle out of paying out a decent amount for you car... even if you have agreed value (read the small print its hardly worth the paper its written on)

From a personnal point of view i hate paying them X amount and seeing them at shows with loads of young girls in bikini's giving out flyers.. A decent insurance company dont need to do that, just think your insurance would cost less if they didnt take them girls to shows.

**Hoolio** · 01-02-2010, 16:31

Just renewed with them, I did plan to at least look around, maybe I should have taken the less easy route.

**Penfold aka The Dealer** · 01-02-2010, 16:32

Originally Posted by Hoolio

Just renewed with them, I did plan to at least look around, maybe I should have taken the less easy route.

Just dont claim you will be fine for another year

**Junglist** · 01-02-2010, 19:23

flux suck ass i was with them for a few years then got posted to germany half way through the year and i had to pay for the rest of the year about 300 if i remember

. even though it wouldnt cover me abroad

**Ricardo** · 01-02-2010, 19:37

I insured with Flux, they took a £300 deposit and my details. They needed my proof of no claims bonus so i spoke to the previous insurer and they said they'd fax/send the details to Flux.

Anyway time went by and no documents came through, so i was highly surprised/shocked when i rang Flux to be told i didn't have a policy with them. They cancelled it without me knowing because of a 'technicality!'

They tried to stitch my mate up with the same bu11sh1t but he had a solicitor send them a snotty letter and got his large upfront deposit paid back

**Biggs** · 01-02-2010, 20:29

I have found Keith michaels and Greenlight to be very competitive in the past

**TNT Tricky Nicky** · 01-02-2010, 21:33

Adrian flux are only brokers, therefore it's a pain if you ever need there help as you get passed from pillar to post trying to speak to the person who actually knows what they are doing.

i try and go straight to the insurance company now, cut out the middle man, even then you can sometimes

**Sy5GTT** · 03-02-2010, 14:43

Sky wouldn't insure me due to no off road parking at my house

**HULK** · 03-02-2010, 15:39

how old do you have to be to get classic car insurance on a 5?? Is it over 25 or 30

**DaveMayGTT** · 03-02-2010, 15:44

Originally Posted by HULK

how old do you have to be to get classic car insurance on a 5?? Is it over 25 or 30

Are they fussy about whether the car is modded or not too?

**warpspeed** · 03-02-2010, 19:12

I have a trade policy with Barry Grainger and found them to be excellent, agreed value on each of my cars taking into account mods, i believe the do private policies too so may be worth a try

**robbie506** · 03-02-2010, 19:15

Originally Posted by HULK

how old do you have to be to get classic car insurance on a 5?? Is it over 25 or 30

over 25 for most but some are 30

**robbie506** · 03-02-2010, 19:18

try brentacre its an insurance broker but cheap for most modded cars they specilise in them. go to www.brentacre.co.uk but always better with classic and agreed value.

only paid £211 fully comp for my 5 with the misses as a named driver only 1 yrs no claims aswell.

**hydrotec78** · 03-02-2010, 19:26

Think your self luckly, there is a guy off the cheap site who me and marky mark are doing repairs for or should i say mircles ! He is paying £3500 3rd PARTY !!!!!!!!!

I think i will stick to my £130 all in happy days fully comp.

Proformance Direct, good old boys !

**D4WNO** · 09-02-2010, 12:16

Sky have renewed their discount with us, see contacts sections for details of how to obtain this.

**Hoolio** · 10-02-2010, 10:36

Originally Posted by D4WNO

Sky have renewed their discount with us, see contacts sections for details of how to obtain this.

These guys have just given me a very competitive quote on my fairly heavily modified Clio Trophy beating Greenlight by over £100 and paying like for like on the mods. I realise they are only a broker but does anyone have any experience good or bad with them?

**asbo** · 10-02-2010, 12:37

New poster! (less than 10 posts)

when i was 18 i paid £3100 for a s2 escort rs turbo 3rd party im now 22 and i pay £1300 3rd party with 2 years no claims on limited miles with adrain flx for my 5 with the history i have that £1300 is a very good price indeed

**Smokey** · 10-02-2010, 13:08

i hate insurance probably because im paying £1700 but ill will definatly be having a better shop around using some of these wen i next renew.

**robbie506** · 10-02-2010, 15:00

on my first 5 declaring all my mods i was paying £3334 with 9 points on me licence loved the 5 that much i had to pay it.

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