Theft excess - WOW!

[zappy-chops]

Hi all. I haven't announced myself as a newbie yet but I will tomorrow (picking up a 2017 RS6 PE tomorrow ) Sorting out car insurance today and am getting wildly varying quotes. Some fine, some crazy - but that's always the case with insurance. Anyhoo, as my home cover is with NFU (and has been for many years) I thought I'd give them a try. Very happy with the quoted premium but rather astonished to learn they have a compulsory £1600 theft excess given the vehicle type. £1600! The premium they have quoted is only £480-ish.

Is this common? I've never owned an RS6 before. Lots of Porsches and other exotica. Do you folks all have stonking theft excesses too?

Cheers.

[MikeFish]

So far mine has been the same as my fire or accident excess which I think is about £500. I'm guessing it might go up this year then.

[535dboy]

Porsche’s don’t tend to get stolen but these do so whilst wrong , I could understand why some insurers would take that view

[Geoff A]

Has the NFU insisted on any additional security devices? Are does the offer of fitting extra security help to tame this issue?

[Iain]

Churchill for me - Mandatory Excess £500
parked driveway
no requirement for tracker ( was the same with LVE who I was previously with)

£540 annual premium (but me thinks that will increase when I finally get my points and fine through!!!)

[Mr Footlong]

Due to wife writing our Cayenne off in the summer, I took a voluntary excess of £1k when insuring the C7 with Swiftcover at the weekend as I keep her as a named driver (it is her daily driver after all). No special exception for theft excess, 8 years NCD and opted for the PI cover and recovery addon too. Still managed to come in under £600, which was great considering the £70k+ claim woman got us in to....

[zappy-chops]

Has the NFU insisted on any additional security devices? Are does the offer of fitting extra security help to tame this issue?

They gave a decent discount for having a Cat 5 tracker but didn't insist on it. I will go back and query the size of the theft excess given the tracker. I would have expected that to come down.

[zappy-chops]

rather astonished to learn they have a compulsory £1600 theft excess given the vehicle type. £1600!

Getting better. They will waive the theft excess entirely if the car is stolen from my garage (which has a commercial grade door and is alarmed)

[harrier]

Is your theft excess influenced by your postcode perhaps?

[zappy-chops]

Is your theft excess influenced by your postcode perhaps?

Would be strange if it was. I live in the countryside in a sleepy part of Scotland.