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adamw
Estoril


Joined: 09 Jul 2009
Posts: 3962
Location: West Sussex

1998 Porsche 996 Carrera 2

PostPosted: Sun Jul 05, 2015 6:08 pm    Post subject: Classic, agreed value, limited mileage insurance for 993 Reply with quote

Hi guys
Renewal time again..

Currently with classic line who I have been for a few years now but always tend to do a little ringing around, just to make sure I get the best deal possible.

Who else to try:

*Bridle
*Mannings
*Just noticed aib advertising on here (http://www.aib-insurance.co.uk)
*Also will be trying locktonuk as have a friend who's a director here http://www.uk.lockton.com/locktonuk/Quote/ClassicCarCover.aspx

Anyone else I should try that are competitive at the moment ?

Cheers
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EX : 02' 996 Turbo Coupe ( May 17 - Sept 19 )
EX : 95' 993 C4 Coupe ( Dec 10 - Oct 16 )
EX : 00' 996 C2 Cab ( Jul 09 - Oct 10 )
EX : 03' 986 Boxster S ( May 06 - Dec 08 )
 
  
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adamw
Estoril


Joined: 09 Jul 2009
Posts: 3962
Location: West Sussex

1998 Porsche 996 Carrera 2

PostPosted: Tue Jul 07, 2015 7:01 am    Post subject: Reply with quote

49 views and no suggestions guys Dont know
Did I say something wrong? Hand
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EX : 02' 996 Turbo Coupe ( May 17 - Sept 19 )
EX : 95' 993 C4 Coupe ( Dec 10 - Oct 16 )
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Millomboy
Suzuka


Joined: 10 Dec 2012
Posts: 1072
Location: Hampshire

1997 Porsche 993 Targa

PostPosted: Tue Jul 07, 2015 7:08 am    Post subject: Reply with quote

I am with Classicline and they gave me free cover for Millbrook earlier in the year. No complaints and reasonable price.
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SEE YA
Barcelona


Joined: 19 Aug 2003
Posts: 1349
Location: United Kingdom South West.


PostPosted: Tue Jul 07, 2015 8:17 am    Post subject: Reply with quote

I have been with RH for the last few years.

Fair quote very helpful time will tell if I have to claim then we all fine out how good they are.
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adamw
Estoril


Joined: 09 Jul 2009
Posts: 3962
Location: West Sussex

1998 Porsche 996 Carrera 2

PostPosted: Tue Jul 07, 2015 8:35 am    Post subject: Reply with quote

Thanks guys

I'll add RH to the quote list ..

Anymore for anymore Thumb
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98’ 996 C2 aero, Swartz Black, GT3 style fixed buckets, GT3 momo steering wheel, GT3 wheels, KW’s + lots more

EX : 02' 996 Turbo Coupe ( May 17 - Sept 19 )
EX : 95' 993 C4 Coupe ( Dec 10 - Oct 16 )
EX : 00' 996 C2 Cab ( Jul 09 - Oct 10 )
EX : 03' 986 Boxster S ( May 06 - Dec 08 )
 
  
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stichill99
Nürburgring


Joined: 03 Nov 2013
Posts: 432
Location: Scottish Borders


PostPosted: Tue Jul 07, 2015 1:12 pm    Post subject: Insurance Reply with quote

Hi I am with classicline. I renewed in middle of May with them but got an updated valuation. For 5000miles per annum,fixed value of £36000 for a 94 Carrera 2 I am paying £308.
 
  
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The Dragonmeister
Monza


Joined: 28 Apr 2012
Posts: 207



PostPosted: Tue Jul 07, 2015 2:20 pm    Post subject: Reply with quote

Lockton are with the Porsche Club GB insurance.

Also Footman James does insurance as well.

You need to get an independent valuation for the car as well - the Porsche GB club provides it, as its a voluntary service it takes a bit of time 6 weeks. Also see if a dealer will do it for you for free.
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flying_scotsman
Nürburgring


Joined: 20 Jul 2010
Posts: 397
Location: Scottish exile in South Leics

2010 Porsche Boxster 987

PostPosted: Tue Jul 07, 2015 3:05 pm    Post subject: Reply with quote

+1 for Lockton who insure my 964 with agreed valuation. My local indy provided the valuation FOC and Lockton were happy to accept this.
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jonttt
Long Beach


Joined: 20 Aug 2012
Posts: 6631
Location: Liverpool


PostPosted: Tue Jul 07, 2015 5:14 pm    Post subject: Reply with quote

I renewed with classic line. I did spend time investigating options as they put their renewal quote up.

However I could not really get anywhere near there quote anyway. The other "promoted" / affiliated brokers where a joke in my case, Tesco gave more competative quotes Floor

Classic line explained the underwriter they used last year misquoted hence I got it very cheap. They made a business decision to honor their quote and the best deal with them this year was with another underwriter. I actually believe them as I have a fair knowledge of how the insurance market works.

My premium partly increased due to me raising the insured value to over £50k on Zingaris advise Grin
I declined to go with an agreed value however as my view in a rising value market for these cars is that will actually limit your claim in the event of a total loss. I accept that would likely mean more hassle on my part justifying a true value claim but I have plenty of friends with their own insurance companies who can advise me in that process to make sure I get true value, plus I have Zingari who can act as an expert witness should the need arise Thumb

So my advice is be careful with agreed valuation based on the advice I got from friends in the know Wink It would be a limiting factor not a help in a rising market and if you change it mid year it would likely lead to a premium increase. I have no need to do that as I have simply been honest with my view that the car is now worth more than £50k (that affectst he premium risk) with an estimate of more. The prevailing market at the time would dictate what that was not a valuation based on the value a the start of the year Wink If you just want an easy life in the event of a total loss then do an agreed valuation.
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adamw
Estoril


Joined: 09 Jul 2009
Posts: 3962
Location: West Sussex

1998 Porsche 996 Carrera 2

PostPosted: Tue Jul 07, 2015 6:33 pm    Post subject: Reply with quote

Again thanks all Thumb
I'll start ringing around tomorrow but classic line have quoted £479 for 5k pa and guaranteed value of £33.5k, which has gone up since last year.

I'll be adjusting value at renewal accordingly as believe its increased since last year (especially with all the work carried out this year)

Jon - I hear what to saying about guaranteed value and it's worth but for me feel id like to do this just for peace of mind really

I'll post back with some figures just for anyone else in a similar boat (993) Grin

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EX : 02' 996 Turbo Coupe ( May 17 - Sept 19 )
EX : 95' 993 C4 Coupe ( Dec 10 - Oct 16 )
EX : 00' 996 C2 Cab ( Jul 09 - Oct 10 )
EX : 03' 986 Boxster S ( May 06 - Dec 08 )
 
  
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adamw
Estoril


Joined: 09 Jul 2009
Posts: 3962
Location: West Sussex

1998 Porsche 996 Carrera 2

PostPosted: Mon Jul 13, 2015 7:39 pm    Post subject: Reply with quote

Ok
After trying all of the above the only one that comes close is "aib" who offered a high net worth policy through "hiscox"

Price was similar but they quoted some nice benefits:

Pros
-auto agreed\guarenteered value with no need to send proof
-can use whoever you like as a repairer in the event of an accident
-like for like courtesy car available
-UK and euro Breakdown
-legal cover
-6k per year mileage
-open driving... anyone can drive my car comp without being named (over the age of 30)..I can drive comp on anyone else's car.

Cons
-£500 xs (but this can be waivered if you don't take the courtesy car in the event of a claim)

Any experience of Hiscox, good bad or indifferent ??

Hmmmmm Question
Classic line and equity red star or aib and hiscox????

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EX : 02' 996 Turbo Coupe ( May 17 - Sept 19 )
EX : 95' 993 C4 Coupe ( Dec 10 - Oct 16 )
EX : 00' 996 C2 Cab ( Jul 09 - Oct 10 )
EX : 03' 986 Boxster S ( May 06 - Dec 08 )
 
  
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jonttt
Long Beach


Joined: 20 Aug 2012
Posts: 6631
Location: Liverpool


PostPosted: Mon Jul 13, 2015 8:37 pm    Post subject: Reply with quote

Never heard of hiscox but they seem to have a good stable A rating in the usa.
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carkid
Imola


Joined: 13 Nov 2012
Posts: 865
Location: England


PostPosted: Mon Jul 13, 2015 10:07 pm    Post subject: Reply with quote

It's worth giving Bewiser a call for a quote:
For my 993 they were considerably cheaper than my usual NFU insurance.-

http://www.bewiser.co.uk/
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Nimrod
Montreal


Joined: 25 Apr 2015
Posts: 554
Location: East Midlands


PostPosted: Tue Jul 14, 2015 4:58 pm    Post subject: Reply with quote

Hi guys,

I'm due a renewal soon on my 2S, currently agreed value of £50K which having spoken to a few dealers this week seems slightly low but not to bad, I will adjust in August accordingly. I'm with Mannings and they have been pretty good so far . But I asked them about insuring that and a 93 4s I'm buying and they are insisting on a tracker which I'm not keen on . Do you all have trackers?

I'm in a fairly low risk area and it seems a lot of hassle particularly on a car that's battery notoriously goes flat quickly anyway, and the tracker annual fee is half the cost of insurance. I don't really want to be cutting into the wiring loom either if I can avoid it.

Any suggestions for a insurer that doesn't insist on trackers ?
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adamw
Estoril


Joined: 09 Jul 2009
Posts: 3962
Location: West Sussex

1998 Porsche 996 Carrera 2

PostPosted: Tue Jul 14, 2015 6:34 pm    Post subject: Reply with quote

carkid wrote:
It's worth giving Bewiser a call for a quote:
For my 993 they were considerably cheaper than my usual NFU insurance.-

http://www.bewiser.co.uk/


Do they do agreed value ? ?
Thumb
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98’ 996 C2 aero, Swartz Black, GT3 style fixed buckets, GT3 momo steering wheel, GT3 wheels, KW’s + lots more

EX : 02' 996 Turbo Coupe ( May 17 - Sept 19 )
EX : 95' 993 C4 Coupe ( Dec 10 - Oct 16 )
EX : 00' 996 C2 Cab ( Jul 09 - Oct 10 )
EX : 03' 986 Boxster S ( May 06 - Dec 08 )
 
  
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MJA911
Sepang


Joined: 10 Dec 2013
Posts: 2863
Location: Berkshire

2012 Porsche 991 Carrera

PostPosted: Tue Jul 14, 2015 6:51 pm    Post subject: Reply with quote

adamw wrote:
Ok
After trying all of the above the only one that comes close is "aib" who offered a high net worth policy through "hiscox"

Price was similar but they quoted some nice benefits:

Pros
-auto agreed\guarenteered value with no need to send proof
-can use whoever you like as a repairer in the event of an accident
-like for like courtesy car available
-UK and euro Breakdown
-legal cover
-6k per year mileage
-open driving... anyone can drive my car comp without being named (over the age of 30)..I can drive comp on anyone else's car.

Cons
-£500 xs (but this can be waivered if you don't take the courtesy car in the event of a claim)

Any experience of Hiscox, good bad or indifferent ??

Hmmmmm Question
Classic line and equity red star or aib and hiscox????

thumbsup


I did same as you and ended up with a aib/hiscox and classicline/equity red star shortlist. Both good outfits, but the more I compared the products the more of a no-brainer aib/hiscox were for me. Added my wife's car and will be talking about the house insurance when it's due.

Would have no concerns at all about Hiscox, they're a very long established high net worth insurer and the policy reads as such IMO. I found AIB a very helpful and professional broker too Thumb
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Past pleasures: 997.1 GT3, 997.2 C4S Cab, 993 C2, 997.1 C2S, 996.1 C4
 
  
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adamw
Estoril


Joined: 09 Jul 2009
Posts: 3962
Location: West Sussex

1998 Porsche 996 Carrera 2

PostPosted: Tue Jul 14, 2015 7:12 pm    Post subject: Reply with quote

MJA911 wrote:
adamw wrote:
Ok
After trying all of the above the only one that comes close is "aib" who offered a high net worth policy through "hiscox"

Price was similar but they quoted some nice benefits:

Pros
-auto agreed\guarenteered value with no need to send proof
-can use whoever you like as a repairer in the event of an accident
-like for like courtesy car available
-UK and euro Breakdown
-legal cover
-6k per year mileage
-open driving... anyone can drive my car comp without being named (over the age of 30)..I can drive comp on anyone else's car.

Cons
-£500 xs (but this can be waivered if you don't take the courtesy car in the event of a claim)

Any experience of Hiscox, good bad or indifferent ??

Hmmmmm Question
Classic line and equity red star or aib and hiscox????

thumbsup


I did same as you and ended up with a aib/hiscox and classicline/equity red star shortlist. Both good outfits, but the more I compared the products the more of a no-brainer aib/hiscox were for me. Added my wife's car and will be talking about the house insurance when it's due.

Would have no concerns at all about Hiscox, they're a very long established high net worth insurer and the policy reads as such IMO. I found AIB a very helpful and professional broker too Thumb


Thanks Thumb
Just struggling to understand why aib\hiscox don't require things like proof of value (for agreed value) and proof of no claims discount ??
I will be querying this with them but is this the case??
Is this usually how high net worth pols work?
Any downsides to a high net worth policy?

The only other thing is the xs...
Its £500 with aib\hiscox and only £150 with classicline\equity
The only thing is that if you don't take the courtesy car offered, aib\hiscox don't charge the xs (so effectively no xs)
I guess this would be ok as this isn't a daily drive..

Hmmmm, more questions to ask the companies I think...
Dont know
_________________
98’ 996 C2 aero, Swartz Black, GT3 style fixed buckets, GT3 momo steering wheel, GT3 wheels, KW’s + lots more

EX : 02' 996 Turbo Coupe ( May 17 - Sept 19 )
EX : 95' 993 C4 Coupe ( Dec 10 - Oct 16 )
EX : 00' 996 C2 Cab ( Jul 09 - Oct 10 )
EX : 03' 986 Boxster S ( May 06 - Dec 08 )
 
  
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MJA911
Sepang


Joined: 10 Dec 2013
Posts: 2863
Location: Berkshire

2012 Porsche 991 Carrera

PostPosted: Tue Jul 14, 2015 7:37 pm    Post subject: Reply with quote

adamw wrote:


Thanks Thumb
Just struggling to understand why aib\hiscox don't require things like proof of value (for agreed value) and proof of no claims discount ??
I will be querying this with them but is this the case??
Is this usually how high net worth pols work?
Any downsides to a high net worth policy?

The only other thing is the xs...
Its £500 with aib\hiscox and only £150 with classicline\equity
The only thing is that if you don't take the courtesy car offered, aib\hiscox don't charge the xs (so effectively no xs)
I guess this would be ok as this isn't a daily drive..

Hmmmm, more questions to ask the companies I think...
Dont know


I could be wrong and it's definitely worth asking, but I think AIB have discretion with Hiscox on what the agreed value should be based on their market knowledge and relationship with their client. With no claims discount, I did have to scan in and send my renewal letter from Admiral. I don't see any downsides to a high net worth policy, to me they are simply policies designed for that marketplace and consumer.

With the excess, obviously it's quite high if you wish to take the like-for-like courtesy car, but as they explained to me, the product assumes that whilst you may like that choice, you are very likely to have alternative transport, so you can leverage that and have the excess waived.

It was all these kinds of details, along with the reputation of Hiscox and the ease of dealing with AIB that appealed to me and I'm somebody who has used comparison websites and changed insurer frequently, whereas now, I can see the gigantic difference between mainstream insurance and these kind of products and for me they offer better value for money.
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Past pleasures: 997.1 GT3, 997.2 C4S Cab, 993 C2, 997.1 C2S, 996.1 C4
 
  
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adamw
Estoril


Joined: 09 Jul 2009
Posts: 3962
Location: West Sussex

1998 Porsche 996 Carrera 2

PostPosted: Tue Jul 14, 2015 8:07 pm    Post subject: Reply with quote

MJA911 wrote:
adamw wrote:


Thanks Thumb
Just struggling to understand why aib\hiscox don't require things like proof of value (for agreed value) and proof of no claims discount ??
I will be querying this with them but is this the case??
Is this usually how high net worth pols work?
Any downsides to a high net worth policy?

The only other thing is the xs...
Its £500 with aib\hiscox and only £150 with classicline\equity
The only thing is that if you don't take the courtesy car offered, aib\hiscox don't charge the xs (so effectively no xs)
I guess this would be ok as this isn't a daily drive..

Hmmmm, more questions to ask the companies I think...
Dont know


I could be wrong and it's definitely worth asking, but I think AIB have discretion with Hiscox on what the agreed value should be based on their market knowledge and relationship with their client. With no claims discount, I did have to scan in and send my renewal letter from Admiral. I don't see any downsides to a high net worth policy, to me they are simply policies designed for that marketplace and consumer.

With the excess, obviously it's quite high if you wish to take the like-for-like courtesy car, but as they explained to me, the product assumes that whilst you may like that choice, you are very likely to have alternative transport, so you can leverage that and have the excess waived.

It was all these kinds of details, along with the reputation of Hiscox and the ease of dealing with AIB that appealed to me and I'm somebody who has used comparison websites and changed insurer frequently, whereas now, I can see the gigantic difference between mainstream insurance and these kind of products and for me they offer much better value for money.


Thanks very much again..all sounds good and these are all details I'll clarify with them..
Another important point to me for my Le Mans trips is Euro breakdown cover...
Again I'll ask them tomorrow but do you remember is this was included ?

thumbsup
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98’ 996 C2 aero, Swartz Black, GT3 style fixed buckets, GT3 momo steering wheel, GT3 wheels, KW’s + lots more

EX : 02' 996 Turbo Coupe ( May 17 - Sept 19 )
EX : 95' 993 C4 Coupe ( Dec 10 - Oct 16 )
EX : 00' 996 C2 Cab ( Jul 09 - Oct 10 )
EX : 03' 986 Boxster S ( May 06 - Dec 08 )
 
  
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MJA911
Sepang


Joined: 10 Dec 2013
Posts: 2863
Location: Berkshire

2012 Porsche 991 Carrera

PostPosted: Tue Jul 14, 2015 8:13 pm    Post subject: Reply with quote

European Breakdown cover, page 25 Thumb

https://www.hiscox.co.uk/high-value-motor-insurance/
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