Theft excess - WOW!

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zappy-chops
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Joined: Wed Nov 14, 2018 10:20 am

Theft excess - WOW!

Post by zappy-chops » Wed Nov 14, 2018 5:21 pm

Hi all. I haven't announced myself as a newbie yet but I will tomorrow (picking up a 2017 RS6 PE tomorrow :rocker: ) 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.
Currently running:
18 plate Lamborghini Huracan Performante (5.2l of V10 naturally aspirated craziness)
67 plate RS6 Performance (fully loaded)
66 plate Range Rover Autobiography (for wafting around)
16 plate Mini Cooper S convertible (lots of fun but rather skittish when thrashed)

Favourite car ever owned:
1971 Citroen DS21 - The Goddess (pure art on wheels)

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MikeFish
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Location: The Middle of Somewhere

Re: Theft excess - WOW!

Post by MikeFish » Wed Nov 14, 2018 6:11 pm

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
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Re: Theft excess - WOW!

Post by 535dboy » Wed Nov 14, 2018 7:55 pm

Porsche’s don’t tend to get stolen but these do so whilst wrong , I could understand why some insurers would take that view
Currently :
2019 Porsche 992S (£21k of extra toys)
2019 Porsche Macan S (£18k of extra toys)
2015 Lotus Exige V6 ( c430bhp)
2019 Seat Ibiza excellence Lux! (115bhp, 3 cyl, dsg)
1987 Porsche 928S4
1967 Jaaag Mk2 3.4

Ex
2017 AMG E class wagon
2012 Audi RS4 (B8)
2012 Porsche Boxster S (981)

Geoff A
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Re: Theft excess - WOW!

Post by Geoff A » Thu Nov 15, 2018 9:35 am

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

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Iain
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Re: Theft excess - WOW!

Post by Iain » Thu Nov 15, 2018 9:38 am

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!!!)
2018 Brabus G63 Widestar
2017 RS6 PE -Nardo, Air, HUD, Pan.....Millie Non Res
2015 RS6 - with Added Milltek
2015 RRS - utter sh1te
2010 X5 4.0D M Sport Every conceivable extra
2010 X5 4.0D M Sport
2009 R8 V10 Manual
2004 Lambo Gallarado Manual
3 x 997 C4S / C2s
2003 Fezza 360 Spider - Airfix kit build quality
2007 M3 - car number 2 in the UK
2006 RS4 Avant
2000 RS4 MTM Stage 3 - R55 BYE
2001 RS4 - R500 FOR
1990 Dimma Cosworth H20 COS
2003 996 DMS Turbo
multiple 205's Dimmas

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Mr Footlong
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Location: Stalking Kate Beckinsale

Re: Theft excess - WOW!

Post by Mr Footlong » Thu Nov 15, 2018 10:25 am

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....
Current:

"Brutus"- C5 RS6 Avant - MRC stage 2 - Milltek non-res + 100 cell cats - Wagner ICs - PSS9 - H&R ARBs - OZ Superturismo LM - C6 Custom brakes - HD RNS-E - Various other bits - 555PS/832Nm

Gone:
"Taz"- C7 RS6 - MRC stage 2 - Milltek non-res + 100 cell cats, uprated fuel pumps, race plugs, 745PS/1095Nm
12' Cayenne Turbo, B7 RS4, S3, Cupra R, XJR, EVO VII, STI8,5,2&WRX, 106 GTI&XSI, other crap.

zappy-chops
3rd Gear
Posts: 303
Joined: Wed Nov 14, 2018 10:20 am

Re: Theft excess - WOW!

Post by zappy-chops » Thu Nov 15, 2018 10:26 am

Geoff A wrote:
Thu Nov 15, 2018 9:35 am
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.
Currently running:
18 plate Lamborghini Huracan Performante (5.2l of V10 naturally aspirated craziness)
67 plate RS6 Performance (fully loaded)
66 plate Range Rover Autobiography (for wafting around)
16 plate Mini Cooper S convertible (lots of fun but rather skittish when thrashed)

Favourite car ever owned:
1971 Citroen DS21 - The Goddess (pure art on wheels)

zappy-chops
3rd Gear
Posts: 303
Joined: Wed Nov 14, 2018 10:20 am

Re: Theft excess - WOW!

Post by zappy-chops » Thu Nov 15, 2018 1:33 pm

zappy-chops wrote:
Wed Nov 14, 2018 5:21 pm

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)
Currently running:
18 plate Lamborghini Huracan Performante (5.2l of V10 naturally aspirated craziness)
67 plate RS6 Performance (fully loaded)
66 plate Range Rover Autobiography (for wafting around)
16 plate Mini Cooper S convertible (lots of fun but rather skittish when thrashed)

Favourite car ever owned:
1971 Citroen DS21 - The Goddess (pure art on wheels)

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harrier
2nd Gear
Posts: 229
Joined: Mon Jan 19, 2009 12:26 am
Location: ENGLAND

Re: Theft excess - WOW!

Post by harrier » Fri Nov 16, 2018 1:55 am

Is your theft excess influenced by your postcode perhaps?
RS6 PE DMS, Daytona, Pano., 21" 5-V-Spoke Tit.Alloys, C/Ceramics, Dynamic Pack +, Parking Pack Adv., Assist. Pack, TV (MMI only), Road Angel (essential) + Python, A. Connect & Phone Box + S/phone Interface, Head-up Display and Night Vision Assist., RS6 Proj. Puddle Lights, Clear 3M Wrap.

Mini Cooper S ("hot"Chili) 265BHP; VW Fox 59BHP; Citroen C1 68BHP!!

RS4 (B7) w. TTS S/C, C/Ceramics - sold
Audi TT Coupe won at model launch, for 3 months, from Audi UK !

zappy-chops
3rd Gear
Posts: 303
Joined: Wed Nov 14, 2018 10:20 am

Re: Theft excess - WOW!

Post by zappy-chops » Fri Nov 16, 2018 6:54 am

harrier wrote:
Fri Nov 16, 2018 1:55 am
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.
Currently running:
18 plate Lamborghini Huracan Performante (5.2l of V10 naturally aspirated craziness)
67 plate RS6 Performance (fully loaded)
66 plate Range Rover Autobiography (for wafting around)
16 plate Mini Cooper S convertible (lots of fun but rather skittish when thrashed)

Favourite car ever owned:
1971 Citroen DS21 - The Goddess (pure art on wheels)

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