Got my renewal in, and premium has gone up 40%.
They've also sent through the renewal less than a week before policy expires, so a bit naughty as this doesn't give me a long time to shop around.
I've never claimed since 1991, so can anyone recommend an alternative to Adrian Flux?
Posted by: GKL 7 - 04 May 2011 19:37:31
[quote=beefykeefy]Adrian Flux?[/quote]
Been there,been stung,never again :thumbdn:
Try Footman James :thumbup:
Posted by: Mike Peckham - 04 May 2011 19:58:36
[quote='50 Karmann]
Try Footman James :thumbup:
[/quote]
I can second Footman James, Towergate are good too.
Mike
Posted by: Caledfryn - 04 May 2011 20:27:59
'Sheila' (my Oval) is with Footman James and they've always been very competiive. This time though I've asked for a multi-vehicle quote as I was sick of trying to remember to insure lots of cars. For a Mk1 Golf Gti, mk1 Sirocco GLS, 1954 Oval and T25 Westy California, they've quoted £493.
That's unlimited mileage and agreed values.
Posted by: harveypj - 04 May 2011 20:53:36
:thumbup: Footman James for me too, great policy great price, consistently around the £100 for my 58.
Posted by: beefykeefy - 04 May 2011 22:11:38
Thanks chaps.
I've just checked last years renewal and for my 67, agreed value with limited mileage was £80.
This year it's £119.20 for the same cover :?: . That's a 49% rise :omg:
I'll give Footman James a call tomorrow.
Posted by: Kev - 04 May 2011 22:45:22
I use Norton Insurance, I think they have always been fairly reasonable. Which reminds me the laid up insurance is due on my cabrio and they want me to get it revalued as it's been a few years since I agreed the value with them. Anyone know who can do this for me from photos (car has no MOT) do I need to join the Historic club again ?
Cheers
Kev
Posted by: GKL 7 - 05 May 2011 00:24:38
[quote=nev] Anyone know who can do this for me from photos[/quote]
Hi Kev
Bob Shaill does valuations.
Posted by: beefykeefy - 05 May 2011 13:08:17
Just called Footman James, quoted me £1.20 cheaper than Adrian Flux :thumbdn:
Anyone else think insurance companies load their cover with unnecessary packages, i.e. free roadside assistance (I have AA cover), European driving cover (I pootle around locally), flying goat attack cover...
Wonder how much premiums would be if you just paid for the cover you actually need?
Posted by: beefykeefy - 05 May 2011 14:27:43
[quote=beefykeefy]Just called Footman James, quoted me £1.20 cheaper than Adrian Flux :thumbdn:
Anyone else think insurance companies load their cover with unnecessary packages, i.e. free roadside assistance (I have AA cover), European driving cover (I pootle around locally), flying goat attack cover...
Wonder how much premiums would be if you just paid for the cover you actually need?[/quote]
Towergate quoted £320.48! WTF!?
Posted by: GKL 7 - 05 May 2011 18:30:59
[quote=beefykeefy] flying goat attack [/quote]
Dangerous they be.
Posted by: Rich Oakley - 05 May 2011 19:06:11
The guy who runs the 'Specialist Car Dept' at Footman James is a massive VW fan, I have been mates with him for fifteen years or so. I have six of my cars insured with them (agreed value, un-limited miles) and I think the total premium for the year is around £540. Great value in my opinion!
Posted by: Robb - 05 May 2011 19:39:30
Footman James here too! got the 67, and the 62 rag under the same policy for £90!
Posted by: beefykeefy - 05 May 2011 23:38:34
[quote=Robb]Footman James here too! got the 67, and the 62 rag under the same policy for £90![/quote]
See above for what Footman quoted me for my 67 alone! You must be more of a smooth talker :omg:
Posted by: Kev - 06 May 2011 12:19:13
[quote='50 Karmann]Hi Kev
Bob Shaill does valuations.
[/quote]
Thanks George, will give him a shout.
Posted by: Old Blue - 07 May 2011 14:10:19
Was with Aon for years then it became part of Footman James. My premium has increased by around 40% in the last two years. Also the policy is loaded with things not required including breakdown cover.
Posted by: GKL 7 - 07 May 2011 14:27:55
[quote=Old Blue]40%[/quote]
Unfortunately Old Blue,that is the figure the insurance industry is quoteing,for them having to cover the cost of fraudulant claims.
Cock and bull story i think.As car insurance is a legal requirment,within reason,they can go where they want to.
My daily driver insurance,thru' the same broker but a different company actually went down £60 this year.The business is all over the place.
Posted by: Old Blue - 07 May 2011 14:33:41
[quote='50 Karmann]Unfortunately Old Blue,that is the figure the insurance industry is quoteing,for them having to cover the cost of fraudulant claims.
Cock and bull story i think.As car insurance is a legal requirment,within reason,they can go where they want to.
My daily driver insurance,thru' the same broker but a different company actually went down £60 this year.The business is all over the place.
[/quote]
Jon (my son) is shopping around. Its a nightmare for him as he's a younger driver.
Posted by: beefykeefy - 07 May 2011 16:18:21
[quote=Old Blue]Was with Aon for years then it became part of Footman James. My premium has increased by around 40% in the last two years. [i][b]Also the policy is loaded with things not required including breakdown cover[/b][/i].[/quote]
All of them are doing it.
I've called several now and most bundle in European driving cover too... bit of a contradiction in cover, limiting your mileage, then offering you cover to go trundling across the Channel :p
Posted by: vintagebug - 27 October 2011 14:39:30
[quote=GKL 7]Hi Kev
Bob Shaill does valuations.[/quote]
Not any more, George. I spoke to him last night & he stopped doing it a while back.
Can anyone recommend someone who can do it? Do the Historic Club do valuations, and if so, who would be the person to contact?
Thanks in advance!
Dave
Posted by: AW - 27 October 2011 14:48:42
I am looking at the mo for a quote. been on Lancasters and it says £68 for me?????? talked to one and thay only went back as far as 63:omg: Has it been modified yes it has flashing indicators fitted and 12 volts (AGGGGGGGGGGGGGGG) Its modified we cannot cover you was one reply. Now seeing lots of vintage bugs have had motercycle type indicators fitted are you coverd :wink: Best to check.
Andy W
Posted by: vintagebug - 27 October 2011 14:53:13
[quote=Robb]Footman James here too! got the 67, and the 62 rag under the same policy for £90![/quote]
How did you manage that??!! I've just this minute run through their "Quick Quote" online & I was quoted over £200!! :omg: And that's for limited mileage on one car, not multiple cars! :thumbdn:
Posted by: AW - 27 October 2011 16:07:06
Flux has quoted me with our lass on the policy with 12 volt mod flashing indicators and wide steel wheels £101.02 foot man with the same broker £118.56. This was talking to them over the phone and not on websites that give you one price then load it up later.
Andy W
Posted by: six-o-one - 27 October 2011 17:03:39
[quote=vintagebug]Not any more, George. I spoke to him last night & he stopped doing it a while back.
Can anyone recommend someone who can do it? Do the Historic Club do valuations, and if so, who would be the person to contact?
Thanks in advance!
Dave[/quote]
Hi Dave,
It's John Maxwell who does the valuation letters [email protected]
He did a valuation for agreed value insurance (Footman James) on the Heb.
Malc
Posted by: GKL 7 - 27 October 2011 17:04:04
THE FLUX SUCKS.
BE WARNED.
Posted by: GKL 7 - 27 October 2011 17:06:53
[quote=vintagebug]Not any more, George. I spoke to him last night & he stopped doing it a while back.
Dave[/quote]
Depends who's asking Dave:wink:
:rofl:
Posted by: vintagebug - 27 October 2011 17:27:54
[quote=GKL 7]Depends who's asking Dave:wink:
:rofl:
[/quote]
As I said before George, I'm not in your little "Elite" club... :wink:
Funnily enough, when I mentioned your name to Bob last night, the phone suddenly went dead. I wonder why? :d :p
Posted by: vintagebug - 27 October 2011 17:30:14
[quote=six-o-one]Hi Dave,
It's John Maxwell who does the valuation letters [email protected]
He did a valuation for agreed value insurance (Footman James) on the Heb.
Malc
[/quote]
Thanks Malc. I'll drop him a line.
Dave
Posted by: RoRoVw - 27 October 2011 19:27:50
Yes, John Maxwell can do insurance valuations for Historic VW Club members.
Posted by: RoRoVw - 27 October 2011 19:31:52
[quote=AW]I am looking at the mo for a quote. been on Lancasters and it says £68 for me?????? talked to one and thay only went back as far as 63:omg: Has it been modified yes it has flashing indicators fitted and 12 volts (AGGGGGGGGGGGGGGG) Its modified we cannot cover you was one reply. Now seeing lots of vintage bugs have had motercycle type indicators fitted are you coverd :wink: Best to check.
Andy W [/quote]
I'd say best not to check if the only modification is additional indicators. Far more likely that your non standard wheels will put them off!
Posted by: GKL 7 - 27 October 2011 19:42:38
[quote=vintagebug] I'm not in your little "Elite" club... :wink:
[/quote]
You haven't been asked Dave,because we know you will never pay your subs.
Stingy Scot.
(oh! dear,i've started to sound like E.T now:oops: see what you've gone and done).
Posted by: AW - 27 October 2011 22:25:59
[quote=GKL 7]THE FLUX SUCKS.
BE WARNED.[/quote]
Up to now the cheepest with the mods. But still looking :shock:
Andy w
Posted by: six-o-one - 27 October 2011 23:46:07
[quote=AW]Up to now the cheepest with the mods. But still looking :shock:
Andy w[/quote]
As with most things, cheapest isn't usually the best! Might be worth asking if people have any experiences of how the various companies deal with claims should the worse happen? Do they pay out? Do they make you use one of their approved repairers? Salvage rights if it's written off? Etc.
Posted by: GKL 7 - 28 October 2011 00:14:46
[quote=six-o-one]As with most things, cheapest isn't usually the best! Might be worth asking if people have any experiences of how the various companies deal with claims should the worse happen? Do they pay out? Do they make you use one of their approved repairers? Salvage rights if it's written off? Etc.[/quote]
OK, here's my story with Adrian Flux.I would like to add that several people i have spoken to have had exactly the same expierience.
Ring the company and agree to a mutual value of the car.
Pay your premium by card over the phone.
Wait for your insurance documents to arrive......they don't,so you have to ring them.
They tell you on the phone that they cannot insure your vehicle for the previously agreed value.
You express that unless the agreed value is met,the policy is of little use to you.They won't move.
So you express the wish to cancel the policy.They then hit you with the line that has never been previously mentioned.
"This is a non-cancelable policy and if you wish to cancel,you will lose your premium".
So you're stuck with them,or you throw your money away.
Just to back this up,the car that they would only insure for £25K,i went on to sell six months later for £60K.And the new owner was more than happy to pay that much for the car.It, at the time was it's true market value.
This was a few years ago,and i have read on other websites,that their service has become even worse.
Cheapest is not the best.Take some time,do some homework and move rationally.
Posted by: RoRoVw - 28 October 2011 09:04:43
The 1959 Garnet Red was originally insured through Adrian Flux and the premium quoted sounded reasonable. They didn't argue about the agreed value but when the policy documents arrived they charged an extra £20 on top of the quoted premium to agree the value!
Now all the cars are with Footman James on a Multicar policy and I haven't had those kind of problems with them.
Posted by: lifeintheslowlane - 28 October 2011 10:06:32
[quote=GKL 7]...So you express the wish to cancel the policy.They then hit you with the line that has never been previously mentioned.
"This is a non-cancelable policy and if you wish to cancel,you will lose your premium".
So you're stuck with them,or you throw your money away.
[/quote]
In an event like this your first course of action is the call "Trading Standards" they will quickly tell you what is and what isn't permissible. Armed with that incontrovertible evidence you can either learn from your mistake or go back and get their next quotable line to use in evidence against them. This not only applies to insurance it applies to everything you buy.
If you have a dispute you should always check where you legally stand on the issue.
Posted by: vintagebug - 28 October 2011 12:01:57
[quote=GKL 7]So you express the wish to cancel the policy.They then hit you with the line that has never been previously mentioned.
"This is a non-cancelable policy and if you wish to cancel,you will lose your premium".[/quote]
Don't you have a legal right to cancel within a set time of taking out the policy? For example, a 14-day "cooling off" period?
Posted by: AW - 28 October 2011 12:43:40
Flux are only brokers not the insurance company the quote i got off them was with the same company that footman James gave me there best quote on and flux are cheeper :?
Andy W
Posted by: vintagebug - 28 October 2011 14:13:04
[quote=AW]Flux are only brokers not the insurance company the quote i got off them was with the same company that footman James gave me there best quote on and flux are cheeper :? [/quote]
They're cheaper possibly because they'll take a smaller commission from the insurance company than Footman James. Or maybe they put more business their way than Footman James do?
Posted by: vintagebug - 28 October 2011 14:15:29
[quote=RoRoVw]Yes, John Maxwell can do insurance valuations for Historic VW Club members.[/quote]
Ah so I need to be a member. It's been a long time since I was a member of the Historic Club, time to step up & re-join!
Posted by: GKL 7 - 28 October 2011 17:53:08
[quote=AW]Flux are only brokers not the insurance company [/quote]
Yes the policy would have been with Aviva.
So i rang them.They agreed they would insure the car for the required amount.I spoke to a valuer at the valuation department.
So i rang Flux back quoteing names and figures.They refused to change the agreed sum.Like banging your head on a wall.
As far as the right to cancel Dave.You see, no documents arrive within the cancellation period,so you know how it is, you wait a while incase they do.And then you're stuffed.
John,i was aware of the Trading Standards route.I was even contemplating contacting the Insurance Ombudsman and reporting the matter.But i was lazy and regarded it as hassle.Stupid of me.
They still send me e-mails,telling me what a great company they are and would i be interested in a policy. Errr! NO.
Posted by: vintagebug - 28 October 2011 18:08:12
[quote=GKL 7]As far as the right to cancel Dave.You see, no documents arrive within the cancellation period,so you know how it is, you wait a while incase they do.And then you're stuffed.[/quote]
Yep, I know what you mean.
[quote=GKL 7]John,i was aware of the Trading Standard route.I was even contemplating contacting the Insurance Ombudsman and reporting the matter.But i was lazy and regarded it as hassle.Stupid of me..[/quote]
You should've contacted me George- I would've got onto Trading Standards right away, to get my money back. After all George, as someone said recently, I'm a stingy Scot, aren't I? :wink:
[quote=GKL 7]They still send me e-mails,telling me what a great company they are and would i be interested in a policy. Errr! NO.
[/quote]
You can unsubscribe to those marketing emails. Do that & by law they're not allowed to send you any more of them, or you can report them for it.
Posted by: heb623 - 28 October 2011 18:48:00
[quote=vintagebug]
I'm a stingy Scot, aren't I? :wink:
[/quote]
[u][b][i]Tell me something new Dave!!!:[/i][/b][/u] :rofl: :rofl: :rofl:
:twisted: ET
Posted by: RoRoVw - 28 October 2011 20:17:22
[quote=vintagebug]Ah so I need to be a member. It's been a long time since I was a member of the Historic Club, time to step up & re-join!
[/quote]
That sounds like a good plan. The membership secretary, Nigel Wallace will be delighted to welcome you back - as we all will!
Join here:
https://www.historicvws.org.uk/
Posted by: AW - 28 October 2011 21:12:11
This is an intresting thread :thumbup: Still looking do vwoc GB recomend any one???
I know on another type of car forum thay have a special deal with a broker and you phone him up in person and he gives very good terms to enthusiasts. It seams he is in to the car that every one is in to on that site and thay do a load of buissnes. Pitty there is no one in the vintage VW world that can do the same (perhaps a buisnes oppatunity if a broker was to take it on board):o
Andy w
