RS2 Insurance Tips Anyone?

[milistuart]

I'm currently on the look out for an RS2 and would be interested if anyone had any good tips on insurance companies who would understand this car!

[trevithick]

Post office, agreed value (£15k), old fart living in Cornwall = £254.00
Cheers
T

[DH79]

I pay much more.... Will have to check it out, due in Dec

Direct Line
30 and live in fairly central Bristol - iirc £700ish last year
They did okay when I needed to claim though, so not too upset. I just need to retire early to cornwall....

[DickyC]

T did well. An even older fart living in Berkshire paid £600 for the same car! (And thought he was doing well...)

[AlWyn]

Try Swinton they matched my best quote from elsewhere @ £360 and thats @ 38 years young with the lovely lady whos younger on too.

[darkhorse1210]

I pay much more.... Will have to check it out, due in Dec

Direct Line
30 and live in fairly central Bristol - iirc £700ish last year
They did okay when I needed to claim though, so not too upset. I just need to retire early to cornwall....

Yes, I'm with Direct Line too....

£490 (£540 with protected no claims) for 5k miles a year (I'm 33). I may consider insuring it as a classic next year though but you can only do this if you have another car insured in your name (correct me if I'm wrong) so the RS2 would be the '2nd car'

Pretty sure most classic policies will only cover up to 7k miles a year (at most).

Anyone got theirs on a 'classic' policy? If so I'd be interested in any details. Thanks

[darkhorse1210]

Try Swinton they matched my best quote from elsewhere @ £360 and thats @ 38 years young with the lovely lady whos younger on too.

Al, are you restricted to annual mileage below a certain level?

[trevithick]

The Post office is for 12k miles and protected no claims / legal etc and the mem is on it. I think I only paid £340 on the RS4, which was obviously newer, that was with swinton.
The knack with the PO is to go into the main branch and get the quote its' usually a lot less, they seem to boost it up for the tinternet.
I'll possibly move it to a classic policy next year and move my (15 years) no claims to another part of the fleet .
Hope this helps
T

[AlWyn]

Try Swinton they matched my best quote from elsewhere @ £360 and thats @ 38 years young with the lovely lady whos younger on too.

Al, are you restricted to annual mileage below a certain level?

iirc its 10k a year and i think it helps having 20 years ncd

[darkhorse1210]

Try Swinton they matched my best quote from elsewhere @ £360 and thats @ 38 years young with the lovely lady whos younger on too.

Al, are you restricted to annual mileage below a certain level?

iirc its 10k a year and i think it helps having 20 years ncd

Yeah, 20yrs ncd would help a little...

I'm gonna try and increase the mileage restriction next year for sure as 5k miles in this beast simply isn't enough...I need that adrenalin rush too much

Doesn't help that I've got a claim on there for a 325 coupe I had years ago...some scrotes decided to drill the locks out and steal the contents of the boot (which was fully loaded with camera equipment)

Funny how being the victim in these situations costs you twice over....

[ti1103]

Heritage will insure them on a classic policy at 15 yrs old. Price was approx £300

[DH79]

Just renewed with Greenlight... I understand the issue with having to use their repairer, but the saving of over 25% was too much to turn down. And their courtesy car deal is better than Direct Line's. Rest of the policy seems good.

[darkhorse1210]

Does anyone have any 'inside info' on what does and doesn't qualify as a claim with insurance companies?

To be specific I had an old Bimma a couple of years back for cruising around in. It was only worth about a grand so insured it under a classic policy. I couldn't use my no claims on this policy as they were being used on another car already.

To cut a long story short I was hit by a joyrider, forced into a hedge and the car was eventually written off. I made a claim and received the car's market value. As this wasn't my main policy do I need to declare this to my insurer when they ask 'any claims in the last 3/5 years?'

So far I have declared it just to make sure I'm covered but did I need to at is wasn't my main policy? Clearly if I didn't need to declare this my premium would fall as I have 8 or 9 years NCD.

All help appreciated.

[scillyisles]

Does anyone have any 'inside info' on what does and doesn't qualify as a claim with insurance companies?

To be specific I had an old Bimma a couple of years back for cruising around in. It was only worth about a grand so insured it under a classic policy. I couldn't use my no claims on this policy as they were being used on another car already.

To cut a long story short I was hit by a joyrider, forced into a hedge and the car was eventually written off. I made a claim and received the car's market value. As this wasn't my main policy do I need to declare this to my insurer when they ask 'any claims in the last 3/5 years?'

So far I have declared it just to make sure I'm covered but did I need to at is wasn't my main policy? Clearly if I didn't need to declare this my premium would fall as I have 8 or 9 years NCD.

All help appreciated.

You need to declare it as the insurer is assessing you not your main insurance policy. It should be declared as a claim where you got full recovery from the other persons insurance(if the joyrider had insurance) and it did not affect your non claims bonus i.e. a not at fault claim. If the joyrider did not have insurance and your insurance paid out then it will affect your insurance rating

[darkhorse1210]

Scilly

I thought as much, even though the other car was totally to blame (I had 2 cars coming at me side by side on a country road) the little Feckers didn't stop so the claim came off my insurance.

C'est la vie