Insurance - where is best to try

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Sammyb349
3rd Gear
Posts: 298
Joined: Sun Jan 24, 2016 6:47 pm

Insurance - where is best to try

Post by Sammyb349 » Thu Mar 16, 2017 3:20 pm

Started the annual process of trying to haggle a good deal for insuring my MY15 B8 RS4.

WTF - cheapest quote is £1,100 versus paying £750 last year.

How on earth has it gone up that much with no change in circumstances?! :bash: :thumbsdown: :dung:

For all the facts, I do about 5k Miles a year. 10+ yrs NCB, no accidents or penalty points. 1 car household. Wife as named driver. Kept on SW London street.

I asked about getting a tracker and that adds (!!) to my premium payable.

Apparently only way for this to come down is to move and put the car off-road and even better, in a garage.

Any ideas for insurance brokers? I've tried Adrian Flux.
Current:
- Audi B8 RS4 - Panther Black
- VW High Up! TSI - Red with Black Roof
Previous:
- BMW R56 Mini JCW - Black with Red Roof
- Peugeot 306 1.6 GLX - British Racing Green
- Ford Fiesta 1.1 Popular Plus - Sky Blue

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DeanoC
4th Gear
Posts: 537
Joined: Wed Aug 10, 2016 4:53 am

Re: Insurance - where is best to try

Post by DeanoC » Thu Mar 16, 2017 3:22 pm

Yea it must be the area and street parking? Mines only 600 at 31, 15k a year and speeding points.


Sammyb349
3rd Gear
Posts: 298
Joined: Sun Jan 24, 2016 6:47 pm

Re: Insurance - where is best to try

Post by Sammyb349 » Thu Mar 16, 2017 3:31 pm

I should have said I'm 31.

I'm also reading that the insurance tax has gone up significantly and so that too is partly to explain.

I will try and find out if there is an increase in car related incidents in my area
Current:
- Audi B8 RS4 - Panther Black
- VW High Up! TSI - Red with Black Roof
Previous:
- BMW R56 Mini JCW - Black with Red Roof
- Peugeot 306 1.6 GLX - British Racing Green
- Ford Fiesta 1.1 Popular Plus - Sky Blue

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FaisalJ
Cruising
Posts: 2713
Joined: Mon Mar 23, 2015 1:03 pm
Location: Surrey

Re: Insurance - where is best to try

Post by FaisalJ » Thu Mar 16, 2017 4:00 pm

I've been with sky insurance for both cars for a couple of years - nobody else had been able to beat their prices. Both cars have mods declared though.
Image
2007 RS4 B7 Avant
Phantom Black | Black Optics | MRC Stage 2 | JC Weldfab Exhaust | KW V3 coilovers | H&R ARBs | 20" Ispiri ISR-8 | Titanium wing mirrors | Driving Passion Diffuser | CF Air Intake | Manifold deflap | Alcantara/leather retrim | TT RS Steering Wheel | Pioneer Apple Carplay HU, JL amp and sub, Focal components | Clear Headlight Lenses, Black Internals, 6000K Bulbs | Trups LEDs | LED Tail lights |

mikep99
4th Gear
Posts: 716
Joined: Fri Jul 17, 2015 9:03 am

Re: Insurance - where is best to try

Post by mikep99 » Thu Mar 16, 2017 4:47 pm

Knocked mine down from 900 to 600 via confused.com.
Bad history incl. A ban and car being stolen recovered.,
Admiral I'm with now...


Sammyb349
3rd Gear
Posts: 298
Joined: Sun Jan 24, 2016 6:47 pm

Re: Insurance - where is best to try

Post by Sammyb349 » Thu Mar 16, 2017 8:28 pm

Thanks Faisal - will give them a call in the morning.
Current:
- Audi B8 RS4 - Panther Black
- VW High Up! TSI - Red with Black Roof
Previous:
- BMW R56 Mini JCW - Black with Red Roof
- Peugeot 306 1.6 GLX - British Racing Green
- Ford Fiesta 1.1 Popular Plus - Sky Blue

Sammyb349
3rd Gear
Posts: 298
Joined: Sun Jan 24, 2016 6:47 pm

Re: Insurance - where is best to try

Post by Sammyb349 » Tue Apr 04, 2017 6:40 pm

So after 2 weeks of solidly calling around everywhere Sky Insurance has come out on top. However, the insurer (Ageas) is asking for a tracker to be fitted. Does anyone have any experience with the Vodafone telematics one (formally cobratrak)? Any idea of cost for a thatcham 6 set-up?
Current:
- Audi B8 RS4 - Panther Black
- VW High Up! TSI - Red with Black Roof
Previous:
- BMW R56 Mini JCW - Black with Red Roof
- Peugeot 306 1.6 GLX - British Racing Green
- Ford Fiesta 1.1 Popular Plus - Sky Blue

Misanoredrs4
1st Gear
Posts: 70
Joined: Wed Jun 12, 2013 9:54 pm

Re: Insurance - where is best to try

Post by Misanoredrs4 » Thu Apr 06, 2017 1:25 pm

Have you tried Direct Line? Just insured my C7 RS6 PE for £559 for the year.
2015 RS6 Porsche Riviera Blue
2015 SQ5 Sprint Blue - Gone, not quite special enough
2015 Jag F Type V6s Ammonite Grey - Totalled!
2014 X5 40d M Sport - Meh
2013 TT 2.0 TFSI Manual in Samoa Amplified - nice but slow
2012 Q7 3.0 TDI Sport - Massive
2006 B7 RS4 Misano Red - panicked and sold big mistake
So much crap prior to this can't actually remember

samuk
3rd Gear
Posts: 267
Joined: Mon Aug 20, 2007 7:56 pm

Re: Insurance - where is best to try

Post by samuk » Mon Apr 10, 2017 8:45 pm

I used cornmarket insurance last year for my bike..

They were unable to give me a good price..however they do offer to beat any quote you get by 10%.

I gave them my login details they checked and gave me 10% off

They do this for cars aswell..
Worth a try.

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Gav66
3rd Gear
Posts: 383
Joined: Tue Apr 18, 2017 8:04 pm
Location: Scotland

Re: Insurance - where is best to try

Post by Gav66 » Sun May 14, 2017 4:37 pm

Mines with Admiral multi car policy, £235 12 yrs ncb and 51 years young 😎

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MikeFish
Cruising
Posts: 15588
Joined: Tue Aug 31, 2010 9:23 pm
Location: The Middle of Somewhere

Re: Insurance - where is best to try

Post by MikeFish » Sun May 14, 2017 7:42 pm

I found Adrian Flux were good for modified cars but not very good for standard cars.
Go compare seems to give a good baseline for the cheapest for me and i usually use this as bargaining with my current insurer.

With respect to Tracker prices this seems to be about the same as anywhere else charge and comapres features so quite handy:
https://www.trackerfit.co.uk/compare-trackers

If you are only getting the tracker for insurance purposes and don't actually want your car back if stolen then the cheapest insurance approved one will do.

Sammyb349
3rd Gear
Posts: 298
Joined: Sun Jan 24, 2016 6:47 pm

Re: Insurance - where is best to try

Post by Sammyb349 » Sun May 14, 2017 9:08 pm

I ended up with SkyInsurance in the end (thanks for the recommendation Faisal) and went with the Vodafone Connect 6 tracker. All in it was £300 cheaper than anyone else.
I needed the tracker because apparently central London thefts are ridiculous at the moment and the RS4 and Golf R are being really targeted.

I got the tracker fitted by VisualTelematics (http://www.just-tracking.co.uk) who were really good. My experience with 'TrackerFit' was awful however. It's real hit-or-miss so glad I found a good one.
Current:
- Audi B8 RS4 - Panther Black
- VW High Up! TSI - Red with Black Roof
Previous:
- BMW R56 Mini JCW - Black with Red Roof
- Peugeot 306 1.6 GLX - British Racing Green
- Ford Fiesta 1.1 Popular Plus - Sky Blue

User avatar
chunky79
Cruising
Posts: 11511
Joined: Sun Feb 25, 2007 11:51 am
Location: West Mids

Re: Insurance - where is best to try

Post by chunky79 » Mon Apr 30, 2018 8:29 pm

Has anybodys insurance gone up this year? Ours has gone up from £283 to £402, no change to the policy at all. Currently with Diamond (been with them/admiral for around 8 years now) and they've now also stopped the like-for-like cover on modifocations which is a pisser.
previous- Pug 205 gti, 306 gti, 309 gti Goodwood.
Audi S3, S4 V8 avant.
Porsche Macan Turbo.
Gone but NEVER forgotten - C5 RS6 Misano red avant.

Now - Empty garage

If you don't know where you're going, any road will take you there!

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jml3p
Neutral
Posts: 32
Joined: Fri Jan 05, 2018 6:50 pm
Location: Surrey

Re: Insurance - where is best to try

Post by jml3p » Tue May 01, 2018 3:50 pm

Hi
I have come from a Porsche 911 997 gen2 2010 and a Mercedes C220cdi estate 2014 and consolidated to a 2015 RS4 , when my insurance renewal came in from my broker it was sky high, £500 more than the 911 & C220!!!! So just tried Confused.dot.com and LV came in at £261. I am 62 with full ncd - i suspect my costs are going UP with age !!!!

Adam L
1st Gear
Posts: 58
Joined: Thu Aug 20, 2015 7:43 am

Re: Insurance - where is best to try

Post by Adam L » Fri May 04, 2018 3:57 pm

I would urge anyone not to use Adrian Flux, if the car is modified they will stick you with ERS (Equity Red Star), who are quite frankly the worst insurance company I have ever had dealings with!! I had a moped delivery driver overtake vehicles on a bend behind me while I was attempting to turn into a side road, as a result the moped rider could not see me indicating and went straight into the side of my car. This happened back on January 2016 and only had the case closed 3 weeks ago. It took 2 1/2 years to get the claim resolved, where I was found not at fault (it went to court and caused me and my pregnant partner no end of stress). Adrian Flux in the meantime have charged me additional premiums because of an ''open claim'' for the last two years. My insurance prior to the incident was in the region of £550. This year cost me £1000 at 32 years old with 10 years no claims bonus, which is an insult if you ask me. I have phoned AF so many times to complain, but they are not interested. I attempted to cancel my policy with them after 19 days of taking it out this year as I was so appauled by their service but they refused to refund me what I was owed (I pay my insurance annually, so I had paid £1000 upfront) So for 19 days insurance they would only refund me £260 and wanted to keep the £740 for fees and charges. I had no choice but to keep the policy in the end.

Now the case is closed I thought great, I'll be owed a substantial amount. They offered me £205 back for both years increased premiums, which resulted in me getting rather annoyed on the phone. They have only refunded me £111 and the remainder is for ERS admin charges.

Do not be fooled into buying insurance with these absolute con artists just because the price seems cheap to start with, you will pay for it in far more ways if anything happens in the term you're with them. Their customer service is truly shocking and they are only interested in robbing their clients with made up admin charges.

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