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bob k



Cabin : Club
Location : Hanham Bristol
Posts : 87
Join date : 2009-09-29

PostSubject: insurance   Wed May 03, 2017 8:27 pm

Hi every one
I have just received my insurance quote for 2017/18 from Safegaurd for my 2009 van at £423 (paying by instalments) can I ask what other people are paying and if you have had a claim was it dealt with quickly and satisfactory
Thanks
Bob k
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Tallulah

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Cabin : Flight 011
Location : Reading, UK
Posts : 4376
Join date : 2011-06-05

PostSubject: Re: insurance   Wed May 03, 2017 8:40 pm

Ours was £360 ish from Comfort Insurance and includes euro/UK breakdown cover.

Haven't made any claims.

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Rachelvw

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Cabin : Exec 077
Location : Ireland
Posts : 200
Join date : 2016-09-15

PostSubject: Re: insurance   Wed May 03, 2017 10:17 pm

I'm with Adrian flux was about 240 a year paying in instalments but never had a claim it's a 04 aircooled value 25k they never quibbled that either
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Tony880

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Cabin : Club
Location : Northern Ireland
Posts : 91
Join date : 2014-07-22

PostSubject: Re: insurance   Wed May 03, 2017 11:01 pm

My Initial in 2014 was about £270. I renewed with a company in NI called Brady who put me with the same underwriters (LV) for about £210. 2016/17 was about the same. May get a bit of a shock this time though!
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TimV
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Cabin : Flight 001
Location : Leatherhead, Surrey, UK.
Posts : 12267
Join date : 2009-09-27

PostSubject: Re: insurance   Wed May 03, 2017 11:42 pm

Comfort. 6000 miles per year. Euro Breakdown included. Friend as additional driver.

£326.

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beakyboy

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Cabin : Flight 019
Location : Dover
Posts : 1631
Join date : 2012-05-23

PostSubject: Re: insurance   Thu May 04, 2017 1:55 pm

Comfort for me too , paying around £300 with Euro breakdown. Only had to claim for windscreen which was painless.

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Voyager

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Cabin : Exec 044
Location : Alderley Edge
Posts : 859
Join date : 2013-08-10

PostSubject: Re: insurance   Thu May 04, 2017 2:46 pm

We're with Scenic, £383 with Euro breakdown, any driver over 25. We wanted to insure our children, and it worked out much better with Scenic than anyone else.
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harryhornet

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Cabin : Exec 027
Location : Fair Oak, Hampshire
Posts : 2269
Join date : 2012-04-19

PostSubject: Re: insurance   Thu May 04, 2017 4:06 pm

Comfort - £300. UK & Euro breakdown, one named, max 6k miles a year.
I did shop around when it was last due but couldn't find anything that matched.
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greenjc90

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Cabin : Exec 039
Location : Hants
Posts : 211
Join date : 2013-12-28

PostSubject: Re: insurance   Thu May 04, 2017 7:36 pm

I was originally with Comfort but shopped around and got it cheaper with Scenic on renewal. About £450, including breakdown UK & Europe, 8000 miles pa.
We did need to make a claim & the broker was not actually very good, but we got through it & got an apology. You gets what you pay ?
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greenjc90

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Cabin : Exec 039
Location : Hants
Posts : 211
Join date : 2013-12-28

PostSubject: Re: insurance   Thu May 04, 2017 7:37 pm

P.S One thing I did find is that the cost of insurance seems to be based on your postcode.
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AbsintheKombi

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Cabin : Exec 013
Location : Leyland, Lancs
Posts : 5601
Join date : 2011-07-25

PostSubject: Re: insurance   Thu May 04, 2017 7:52 pm

Most insurances have a rating factor that includes your home address. Claims stats vary widely even in neighbouring postcodes and the amount you pay will reflect where you live.

When our daughter moved from Leyland to Cheltenham her premium reduced significantly. Lancashire has some notorious "cash for crash" areas, although PR postcodes aren't as bad as BB for instance.

Other rating factors will include your age (although not your sex any more - allegedly), your claims history, where your van is kept overnight, whether you use it for work or commuting, how many miles you do and any modifications you've added.

That will give the insurers a base figure which they'll completely forget about when you tell them you've had a better quote somewhere else!

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Last edited by AbsintheKombi on Thu May 04, 2017 11:12 pm; edited 1 time in total
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Tallulah

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Cabin : Flight 011
Location : Reading, UK
Posts : 4376
Join date : 2011-06-05

PostSubject: Re: insurance   Thu May 04, 2017 8:06 pm

@Tallulah wrote:
Ours was £360 ish from Comfort Insurance and includes euro/UK breakdown cover.

Haven't made any claims.

8k miles and business use/commuting.

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Scooby

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Cabin : Flight 004
Location : Reading
Posts : 6603
Join date : 2010-12-12

PostSubject: Re: insurance   Fri May 05, 2017 8:54 am

Scooby is with Adrian Flux Cool
Always found them to be competitive.
Mileage limited to 7k a year with a premium of around £260 - I think! Rolling Eyes

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greenjc90

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Cabin : Exec 039
Location : Hants
Posts : 211
Join date : 2013-12-28

PostSubject: Re: insurance   Fri May 05, 2017 12:33 pm

That is without breakdown cover Scoobs ?
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Scooby

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Cabin : Flight 004
Location : Reading
Posts : 6603
Join date : 2010-12-12

PostSubject: Re: insurance   Fri May 05, 2017 1:42 pm

Yes it does not include breakdown cover - have full breakdown cover with AA for various vehicles Cool

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Ronnie Ringding

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Cabin : Exec 082
Location : Perranporth, Cornwall
Posts : 171
Join date : 2013-05-15

PostSubject: Re: insurance   Tue Jul 04, 2017 9:32 am

@Rachelvw wrote:
I'm with Adrian flux was about 240 a year paying in instalments but never had a claim it's a 04 aircooled value 25k they never quibbled that either

Exactly the same as mine but one off payment £240. Instalments are more expensive though.
Guaranteed value is an extra £42

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AbsintheKombi

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Cabin : Exec 013
Location : Leyland, Lancs
Posts : 5601
Join date : 2011-07-25

PostSubject: Re: insurance   Tue Jul 04, 2017 10:14 am

My advice (and it is an area I know a little bit about) would be to pay extra for Agreed Value.

In my experience, the biggest issue with large bent metal claims is always around quantum and rarely about liability. Most insurers won't understand our vans and will try to pay as little as possible in the event of major damage and may want to write off your van because they don't believe the repair is cost effective.

The other area to consider is around any modifications you've done to your van (and most of us have done something). If you don't tell your brokers/insurers (and get confirmation in writing) then you're leaving yourself wide open to having your claim repudiated. Arguing that the mod wasn't relevant to the accident is much more difficult after the event than informing them beforehand.

The latest Insurance Act has put more power in the hands of the consumer in terms of fairness, but this has led to insurance companies tightening up their terms and conditions at the inception of the policy. If you don't read the policy when it's issued and they've pointed out the main exclusions and conditions you'll find it very hard to obtain settlement after a claim, if you're in breach.

Insurers are losing money on car insurance at the moment (it's one of the few commodities which has a near perfect competitive market place in the UK) and the recent changes to compensation law will hit them very hard. Add in a Govt enforced increase in Insurance Premium Tax to 12% and you can expect your premiums to rise substantially this year.

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