Insurance without tracker

Post by **anth8910** » Sat Jan 16, 2016 11:37 pm

Delivery looming. Time to sort insurance, whose got good deals without a tracker.
For the record I've tried Aviva who wouldn't touch it without a garage. Any tips?
Will be insuring to full invoice value this year as I asked the dealer would GAP cover the difference if I put it under 75k. They said it would probably cause trouble as "technically as its a new car you are deliberately undervaluing it" which could cause trouble If it came to a payout situation.

Post by **Andy_R** » Sun Jan 17, 2016 10:13 am

Try Admiral, I'm with them and no tracker required. On the gap front, Shop around. I used a broker in the end and got it for £250 for 3 years with £50k return to invoice.

Post by **S2GTR** » Sun Jan 17, 2016 10:29 am

I am with direct line, had 4 x GTR'S and the Audi RS6 insured with them without a tracker.
Dave.

Post by **anth8910** » Sun Jan 17, 2016 10:54 am

Admiral quoted. One thing I didn't know was they now bump your premium if you had to take a speed awareness course. What a con!

Post by **Paulm** » Sun Jan 17, 2016 12:10 pm

I am with Churchill 344 notes no tracker

Keep value below £75k and you will be fine. Above that and things go mental.

Post by **anth8910** » Sun Jan 17, 2016 12:14 pm

Paulm wrote:I am with Churchill 344 notes no tracker

Keep value below £75k and you will be fine. Above that and things go mental.

Did consider keeping the value under 75k but dealer advised it may cause problems with GAP should a payout incident arise.

Post by **HPsauce** » Sun Jan 17, 2016 12:18 pm

I've been with Direct Line for ages, never wanted a tracker on either of my S8's even after one was stolen (crashed by thief and repaired at considerable expense); parked on driveway not garaged.

Post by **Markp** » Sun Jan 17, 2016 12:40 pm

NFU. No tracker. No garage. 2 year replacement new car (so no need for GAP). Not the cheapest but their "we will not quibble" mantra has applied to every claim I have made over 20 years. No connection btw other than very satisfied customer.

Post by **Paulm** » Sun Jan 17, 2016 1:59 pm

anth8910 wrote:
Paulm wrote:I am with Churchill 344 notes no tracker

Keep value below £75k and you will be fine. Above that and things go mental.
Did consider keeping the value under 75k but dealer advised it may cause problems with GAP should a payout incident arise.

Be interested to hear how you get on. My insurance went mental over £75k most would not ever quote and some that did wanted thousands.

Post by **doodlebug** » Sun Jan 17, 2016 2:00 pm

But why would you advise less than market value? That's dubious in itself.

Post by **Paulm** » Sun Jan 17, 2016 2:03 pm

doodlebug wrote:But why would you advise less than market value? That's dubious in itself.

Has market value anything to do with it?. My invoice was less than £75k after discount.

Post by **doodlebug** » Sun Jan 17, 2016 2:08 pm

Well that's fair enough. But sticking down 75k when the invoice is 100k is just daft.

Post by **anth8910** » Sun Jan 17, 2016 2:11 pm

doodlebug wrote:Well that's fair enough. But sticking down 75k when the invoice is 100k is just daft.

After a PM with Eddie55 there is no way I'm putting less than invoice value. Not worth it.

Post by **doodlebug** » Sun Jan 17, 2016 2:12 pm

Agreed. Trying to bum an industry that will wriggle out of anything is just stupid.

Post by **Paulm** » Sun Jan 17, 2016 2:16 pm

doodlebug wrote:Well that's fair enough. But sticking down 75k when the invoice is 100k is just daft.

Yes definitely. I was more thinking if it was 75 or 76k something like that. Still dodgy I suppose

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