chiark

This sticky thread will serve to provide a list of frequently asked questions and their answers for the Insurance forum.

It'll also provide a non-exhaustive list of insurers who are known to insure Subaru Imprezas of one sort or another.

Please post contact details of insurers on this thread. I will collate them and put them into a single post, deleting the newly-redundant posts as I collate (if that's OK with everyone)

Please post your FAQs and insurers on this thread.

Cheers,
Nick.
FAQ
----

Q: What is "No Claims Bonus" and why should I protect it?
No Claims Bonus is a percentage discount off a policy that you accrue through driving without making a claim on insurance (except glass claims). Even 1 year's NCB can be worth a significant discount, with most companies providing maximum NCBs of between 60% and 80%. Once you have had so many years NCB, you can optionally protect your NCB entitlement. This normally costs extra, but means that you can make a certain number of claims and still retain the same NCB entitlement.

Q: I have Protected NCB but my policy has shot up after a claim - what happened?
Your no claims bonus will have been 75% or so if you have maximum NCB. After a claim, you may be classified as a worse risk and hence your premium will go up. You still get 75% off the premium, but the initial premium is higher hence your quotation is higher. (Just imagine what it would be if you hadn't protected NCB)

Q: How does an endorsement (speeding etc) affect my insurance
Most insurers are not greatly concerned by up to two SP30 offences. Beyond that, or for other offences such as jumping red lights or drink driving, insurers will see you as a worse risk and will load your premium.

Q: Should I declare my mods or chance it?
A: Insurance cover can be voided if you fail to disclose all the facts about you or your car. It really isn't worth the saving as if you write your car off then that saving really isn't a saving. Besides, it is a criminal offence (gaining goods or services through deception)

Q: Why does someone who's personal details look fairly similar to mine get a much better deal with Company X?
Insurance looks at many factors: you, your driving history, where the car will be, what the car will be used for, what the car is, etc, and decides how much risk you present in order to calculate a premium. Even a different postcode can make a huge difference. So, what's good for one member of this BBS may be absolutely awful for other members.

PhilA

Keith Michaels PLC
0870 845 8888 or 020 8643 6006
Mods Yes
Imports I think so
http://www.keithmichaels.co.uk/ (poor website but good quote)

simb 2

iTrader: (3)

A bunch of telephone numbers that might be some use clicky

simb

paul_f

Admiral (or elephant - same thing) were the best for me! 31yr old full NCB on a MY03 WRX

IN THE STICKS

Churchill were the best for me £560 last year (36 year old ) don't like MODS though
Before that Elephant , but they just made the premium up as they went along !!

Dave

Tebo

Stephen L Knipe
Porthcawl Insurance Consultants Ltd
43 Mary Street
Porthcawl Mid Glamorgan
CF36 3YN
Tel: 01656 784866

They were the only company to quote me under £500 fully comp

Tebo
http://www.tebo.dsl.pipex.com

Oldfella

iTrader: (3)

I is new to this, when getting a quote is PPP regarded as a modification?

chiark

Yes. Definitely!

Oldfella

iTrader: (3)

Oh dear, rethink required, ta anyway

scooby_jim

L&V -

If you are under 30 and have an MY01+ i.e. Bugeye or later they WILL NOT insure you!! For some reason MY00- i.e. classic UK cars are OK under 30! Why, I don't know...

I'm still with Tesco but at £650 for myself and my wife at 28 with full NCD on a UK MY02 is pretty good...

Cheers

Jim

Tesco - require Tracker, http://www.tescofinance.com/personal/finance/,
Tesco Motor Insurance
Cote Lane
Leeds
LS28 5ZX

Customer Service Contact Number
0845 300 4400

Jay_bee

iTrader: (1)

Just got my renewal notice from Tesco this morning....

28 years old
4 years NCB
MY99 UKTurbo
No tracker required
£562.80...

HAPPY WITH THAT!!!
L&V could only do £760

chiark

L&V will not insure anyone under 30 on a car higher than group 17.

All classics (up to MY00) are group 17.
All new shape (MY01+) are group 19.

This is why L&V will not quote under 30s on new shapes, but will insure under 30s on old shapes.
Cheers,
Nick.

DEEDEE

http://www.confused.com
I tried this site and got a quote of £315 F/Comp 44 years + spouse full no claim protected Standard UK MY99 turbo.
Going to N/Union Direct £424

matieboy

Im 22 got some siily quotes put my car in my girlfriends name she only 19 but been with tesco's two 1/2 years £1500 fully comp for both of us on my 97uk turbo she can even insure sti's for 2k ish lucky bitch.

DJ Dunk

iTrader: (5)

Liverpool Victoria 0800 514514
Tett Hamilton & Co 01275 856618
Ashley Insurance 01785 214444
Schofield Insurance 0113 250 0377
A Plan Insurance [FONT='Arial','sans-serif']01635 874646.[/FONT]
[FONT='Arial','sans-serif'][/FONT]Bell Direct 0800 140 180
Adrian Flux 08700 777888
Randall Pace 01782 286311
Admiral Insurance 0800 600 800 _
Hyperformance 020 8939 3949
Eastwood 0141 6365822
Acadamy Direct 0800 731 4984
Catterall Insurance 01254 695055
Keith Michaels 0870 845 8888 or 0208 642 7868
Osbourne & Sons 020 8388 6000
A-One Insurance 01202 760022
Endsleigh 0141 2485444
Livingstone Ins 01935 706258
Crowne Thorne 01344 771626
Egger Lawson 0115 9415255
Performance Direct 0870 604 0136
Tesco Direct 0845 300 9900
Privilege 0870 243 5555 or 0113 292 5555
Footman James 0121 561 4196 _
Autonet 0870 2400999
Direct Line 0117 946 8846
Elstree Insurance 0208 3867766
Hill House Hammond01733 310899 or 0117 9051020
Lifesure Group 01480 474604
Noel Dazley Co 01276 25996
OPI 0870 242 0800
Premium Search 0800 109876
Roadsure 020 8989 3339
Super Car Insurance01604 615 400
Touchline 0800 207800
Axa 0800 0154292
Barclays 0870 600 1414 _
Bennetts 0800 068 3077
Budget 0800 801954
Churchill 0800 200 326
Cool Quotes 01923 690800
Coversure (Rallysure) 01829 733880
Dial Direct 0500 333 600
Eagle Star 0800 33 38 00
Greenlight Insurance 01277 263030 or 0870 7535455
Kwik Fit Insurance 0870 0507777 or 0870 0500870
Locker Insurance 01977 51 51 66
Masterquote 0870 2411572
NFU Mutual 01677 422517
Norwich Union 0800 888111 or 0800 092 9561
RAC 0845 3000755
Swinton 0800 6565631
Tangent 01923 254888
The AA 0800 444777
TSB 0800 7313687
AON 01384 455011
CIS 0845 7464646
Elephant 0870 0131072
Halifax 0845 6089913
Wilsons 0161 874 8011_or 0990 143424

Aztec Performance Ltd

iTrader: (234)

Liverpool Victoria state that they dont insure cars with 'performance enhacing mods'.



Bob

Matty B

SUBARU INSURED: tel 0870 770 6220

saved £106 over Direct Line

Bluesuit

Accept Direct Car Insurance can be found here http://www.acceptdirect.co.uk

hyphen

Just had a look at this website - they only appear to insure boats...

hyphen

Privilege seem the cheapest at the moment:

27, Full NCD, + Wife, Protected NCD, 0 Voluntary Excess, kept on driveway, no mods, tracker fitted, incl business mileage, fully comp - £723.45

Much cheaper than Tesco who were the closest @ £900+

Everyone else wanted £1000+

ricardo

L&V sometimes cause confusion for people on here because the web pages only apply to unmodified UK cars, with a disclaimer to that effect.

But don't despair, 'cos if you ring them you get a completely different story, mods are ok and some imports are ok. (Actually you can get a different story each time you ring them, so don't give up straight away !)

Age restrictions apply, but don't be put off by what it says on the Web pages...

crispmuncher

I only found out that Churchill now cover imports when I read www.insurancechecker.co.uk I was a bit dubious to start with cos their site might have been wrong, but i clicked on the link, and it was more than happy to quote me on my babeeeeeeeeeee :-) 10% online discount makes a decent difference when my last year's cover was £1900 fully comp.

andypugh2000

OK just to clarify about L&V, just got my renenwal, asked them about mods, they said the ONLY mods allowed now to new or existing customers is
1. A tow bar
2. A sunroof

and that is it, I now have to find alternative insurance as they sent the renawal but upon phoning them they declined my renewal

andy

baz69birds

A-plan did a GOOD quote for me 01635874646 £529.
N/Union bet it though by 1p. £528.99
Awaiting from my current insurer Provident (bet every1 last year by £400+)

my quotes this year for my 1994 uk edition,
me only driving
im 31.

FASTER MIKE!!

warwick davis ok with imports and mods under 400bhp
£980 fully comp sti type r with a few mods and lots of security
warwick davis or 08717502107

mike

Luminous

iTrader: (3)

You may all know this, but I got caught out so I shall post this info anyway.

Not all insurers have the same sot of policy, and some are obviously a lot worse than others in the amount of cover they will provide you.

It appears that the Admiral group and Tescos (this includes elephant.co.uk) have added a nasty little clause in their insurance quotes that bit me quite badly.

If in the unfortunately event that your car is deemed a write off, regardless of fault, they will cancel your policy from the date that they deem your car is a write off. They will offer no refund for the remaining period of your policy, and this loss is not recoverable through any of the "uninsured loss recovery services" that are available these days. This means that if you have just paid £1200 for a year’s policy and have the car written off in the first month you have just lost £1100.

The next unfortunate effect of having your policy cancelled is that you are no longer insured 3rd party on other cars. So now, not only have you had your pride and joy written off, lost the remaining value of your policy, but you are now no longer insured to take any replacement vehicles out for a test drive. There is also no form of insurance that you can buy that will cover you for a test drive (trust me I tried)

The final effect is that you have had a policy cancelled by your insurance company, and you have to tell other insurers this. Some of them take a very dim view of this, although most realise that it was not your fault that this happened.

Like I say, I have just been the victim of this when some fool pulled out in front of me and wrote my car off.

Every insurer that I have called I have asked about this situation to see where they stand. The good news is that 80-90% of the companies out their do things properly and do not cancel your policy. The ones that do are the Admiral group (including elephant) and Tescos. There may be others, so please post if you find one.

Please look into this before purchasing cover to see whether you think the risk of above is worth any discount in premium these companies may be offering you. It turns out that Privilege is cheapest for me anyway.

simon9

Just called adrian flux got a great quote for my my97 wagon, with full exhaust system, fmic, air filter, wheels, dump valve & strut braces. fully comp protected with my fiancee named £700.73. I am 35 with 9 years ncb (3000 ltd miles). My renewel came in today & was £495 from axa (no mods). So I think I will go & get these mods fitted.

Stringpants

I am about to get another Subaru...it will (I think) be an 03 2003 WRX UK model with PPP.

I am 44...clean record...NCB of 20 yrs...married....wife with same record.

Where should I try for my insurance...I called Tesco today..they had NO IDEA of what PPP is.

Its probably been covered already but I am just getting back into this family.

Thanks.

dexter

Just bought my first Scooby mate, 41 years young ( ), maximum NCB, wife the same, and have insured it with "A plan" for £600, no tracker required. Unfortunately, I have no PPP fitted, but try them anyway. It worked for me.

Stringpants

I was not happy paying around £250 extra insurance because a car has PPP...I have also decided not to renew with Tesco because of their insistance on the vehicle having Tracker or similar.

I have bought an 02 WRX and gone with A Plan...£489 inc. wife & protection.

Russ.