Insurance quotes, July 2015
Insurance prices and companies is something that always comes up on Blatchat, and it's always a bit of a struggle to find which thread has which information, so I figured I'd put my numbers in a blog post so as to be able to find them rapidly in future.
So, here's the July 2015 numbers:
2005 Roadsport SV / 1.8K / 140bhp / 7,000 road miles / fully comp / self+MrsH / garaged / suburbia / licences since 1989 and 1995 / no points / no convictions / one DVLA-aware medical condition / legal fee cover / no track / Caterham owners since 2012.
Excesses are total / windscreen replacement / windscreen repair, wherever we got that far on the call.
Company | Price | Excesses | Notes |
---|---|---|---|
Adrian Flux | £205.00 | (£100 / £75 / £0) | |
A-Plan | £209.00 | (£200 / £80 / £20) | |
Peter James | £212.01 | (£150 / £75 / £10) | Includes UK breakdown cover plus 35 days EU breakdown cover |
Glynwood | £217.00 | (£150 / £90) | |
Lloyd & Whyte | £228.27 | (£150 / £90 / £0) | 10,000 miles! |
MSM | £275.53 | (£150 / £75) | 7,500 miles. Includes 3rd party cover for driving other cars. Mirrors NCD on MrsH's sensible car (proof needed) |
Crosby | £282.51 | (£150) | |
REIS | £364.89 | (£250 / £50) | "If you're not going to be using it for track days, ours probably isn't the policy..." |
Osbourne & Sons | £371 or more... | -- | "Can't beat £228, ours starts at £371" |
Footman James | £426.67 | (£175) | |
2gether Insurance* | -- | -- | "Not going to be able to get near £228" |
Frank Pickles | -- | -- | Couldn't quote last year due to two claims on MrsH's sensible car (neither our fault!), so I didn't bother asking this year. |
*2gether were recommended to me by someone on facebook; the call lasted about 3 minutes until I told the nice lady the renewal I'd been offered was £228, when she said she'd not waste my time any further! I wish Footman James had said the same, that would have saved me 20 minutes.
It was a tricky choice this year.
Peter James offered inclusive breakdown cover which would have saved about £35 elsewhere (Autoaid); Fluxy quoted an incredibly good price, with a tiny excess, reasonable screen excess and zero excess on screen repairs (most of the others have a £10 excess); A-plan and Glynwood were both very competitive too, although A-plan's £20 screen repair excess counts against them, as we've needed 2 repairs in the prior 3 years.
7,000 miles seems to be a sticking point for some insurers; for REIS it's the absolute limit of road mileage they'll cover, and therefore "it's loading the premium up"; another of the cheapest four gave me a great price for 7,000 (as you can see) but similarly couldn't give me a price at all for 10,000. I can't remember who that was now, sadly.
In the end, Lloyd & Whyte have my business again, partly due to the hassle-free way they just handled a stone chip repair; mostly for the fact their policy includes a ridiculous 10,000 miles - which I won't get close to, but I might get near to 7,000 this year so that massive headroom means piece of mind. Who knows, it might also open up the option of a European road trip?
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