OK all,
I’ve just taken out a new insurance policy with Adrian Flux after phoning round a few of the most probable companies who would quote me and give me a reasonable figure here are my findings:
Male, 35
3 Years NCB
No Accidents, Claims, Convictions
Full Licence held since 1990
Driving 1992 GTO TT
Broker - Adrian Flux
Underwriter - Equity Red Star
Excess - £300
Windscreen Excess - £70
Limited Mileage - 5000 miles p/a
Courtesy Car - Yes
Legal Cover - Yes (F.O.C.) 50k court costs
Accident Personal Injury Cover - Yes (upto 20K per person)
Breakdown Cover - £45 (Includes 60days in Europe & Homestart)
Audio Cover - upto £400
Agreed Valuation - £8000
Modifications - All declared and replaced on like for like basis
Policy Cost - Fully Comp - £639 excluding breakdown cover (£684 with)
Broker - Allen & Allen
Underwriter - Highway
Excess - £350
Windscreen Excess - £60
Limited Mileage - 5000 miles p/a
Courtesy Car - Yes
Legal Cover - No (Optional £24 upto50k court costs)
Accident Personal Injury Cover - Yes (upto 20K per person)
Breakdown Cover - No
Audio Cover - upto £500
Valuation - £5000
Modifications - All declared - not replaced
Policy Cost - Fully Comp - £672.11 (£706.11 with legal cover and £10.00 professional arrangement fee!!! WTF!!!)
Broker - Sky Insurance
Underwriter - Chaucer
Excess - £300
Windscreen Excess - £70
Limited Mileage - 5000 miles p/a
Courtesy Car - Unknown
Legal Cover - No (Cost Unknown)
Accident Personal Injury Cover - Unknown and unlikely in lieu of above
Breakdown Cover - No
Audio Cover - upto £500
Valuation - £5000 max
Modifications - All declared - not replaced
Policy Cost - Fully Comp - £615
Broker - Premium Choice
After PM Sent, then post on their section I received a reply from Dave asking for my tel no. and that he will call me to sort out a quote - PM Sent with tel no. on - days pass by - no phone call received. Insurance desperately needed now so phone them on Saturday Morning - After a long wait, someone answers phone and tells me that they are very busy right now and that someone will phone me back…still waiting - no scratch that…too late premium choice, I have now taken out insurance with Equity Red Star through Adrian Flux.
The policy Adrian Flux obtained for me looked to provide the best all round cover - so whilst it wasn’t quite the cheapest - it was in line with what I paid Allen & Allen last year (they put it up about £100 this year), but i have better cover now (apart from slightly reduced audio cover), bt I have a lower excess, so it’s swings and roundabouts.
Hope this helps someone.
John