GolfGTIforum.co.uk
Model specific boards => Golf mk5 => Topic started by: CocoPops on 31 October 2008, 09:51
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My insurance is due in 3 weeks... so I called Admiral (that's who I'm with).
29/6yrs NCB Protected/19k value/20k miles a year.
Was going to be £586 to renew, but I declared the roundabout nudge in April... NON FAULT, total claim £500.
He goes away....
An EXTRA £170 on top of my premium for a SMALL NON FAULT claim! Suffice to say I will not be renewing with Admiral.
So....
Any recommendations for Mk5 GTI Insurance?
Thinking of trying a specialist now rather than the generic ones.
Cheers,
Lee.
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Greenlight Greenlight Greenlight!!!!!!!!!!!!!!!!!!!!!!
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So much for protected no claims! If it's unmodified, I've found esure to be the best price-wise. HIC might struggle but if you make sure you speak to Martin he always does his best.. and ofcourse you get the forum discount :tongue:
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I was soo cheesed off when he told me.
Thing is... I've never even phoned Admiral about the claim it was all dealt with by me direct with the 3rd party. So why load my premium by more than 33%!
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Wait.. you claimed off the other person's insurance? That has nothing to do with Admiral then and it isn't a claim at all. I've been with admiral for 7 years and found them always willing to listen to things like this... make sure you ring them in UK working hours though otherwise you get the call centre that aren't authorised to make decisions.
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privilage.com :afro:
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Going to say a non fault 3rd party (100% liability accepted) claim has nothing to do with your insurance, they dont get involved apart from maybe confirming you have insurance.
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You still have to declare it as a claim, even if not a claim on your own policy.
Not declaring it would be fraudulent.
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No not at all, because it wasn't you doing the claiming, it was the person who hit you!
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They ask you if you have had any accidents, claims or convictions ..... even if you haven't claimed you have had an accident so would have to declare it. To load your premium though as a result is a disgrace if non fault and no claim involved !
I literally renewed 2 days ago through Greenlight. They (for me with a remap coming) were £497, Elephant (who I am with) were £500 and the other quote I got through another broker specialising in modified cars was £586.
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You have a fair point - who does it go against if nobody was in the car? e.g. 3rd party bumper you car, accepted liability and you got the car repaired with their insurance paying - no different in my mind than you having a bump yourself and paying for it yourself
I told my wife's insurance when someone bumped hers, the 3rd party sorted the repair and my insurance have never asked anymore about it, they just made a not on the policy when I originally called to tell them. How would i know how much it cost etc..?
Anyway, slightly going off - just call Greenlight your quote will probably be around £470 :grin:
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I told my wife's insurance when someone bumped hers, the 3rd party sorted the repair and my insurance have never asked anymore about it
Same happened to me, with Admiral.. they send you a form to fill in and send back. Then that's the end of it. My premium wasn't increased because of it. They're yanking your chain Cocopops!
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Gonna give Competition Car Insurance a buzz.
I'll try Greenlight... anyone got a number handy?
Anyone else recommended for modded cars?
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Also my current claim is going through an accident management place so I currently have a 57 plate GTI on hire - which of course will go on the claim and increase the cost, a week so far which I expect wont be that cheap - did feel a bit cheeky but hey I need a car and the offer like for like - getting all my long journeys out the way ;)
Greenlight 01277 263 030 , Neil is a decent guy to speak to but anyone will help.
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Swiftcover is usually good for non-modified motors. Online only.
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And who are you with John... for your unmodified car :grin:
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Chris Knott seem to be the best so far...
£715 for 12months cover on an Ed30 with Sachs Coilovers, Miltek Full System and Bluefin map.
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You still have to declare it as a claim, even if not a claim on your own policy.
Not declaring it would be fraudulent.
I had this when becoming a named driver on me daughters car.
THEY told me about it
but it varies from company to company :rolleyes:
best of all, i was in bed when the neighbour crashed into me car :rolleyes: i didnt even tell my insurance, but they know about come renewal :angry:
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Chris Knott seem to be the best so far...
£715 for 12months cover on an Ed30 with Sachs Coilovers, Miltek Full System and Bluefin map.
Hmm, having said that...
Greenlight have just emailed @ £572! (I filled in the online quote form detailing mods etc). Might have to call them!
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I went with Admiral again this time, 26, 1 years no claims, £1020, I lost my (3 years) no claims when some b****** cut me up on a roundabout. Needed a new wing and wheel , and between Admiral and the other company they took 18 months to settle the claim, they're all in it together i tells ya.... :angry:
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Chris Knott seem to be the best so far...
£715 for 12months cover on an Ed30 with Sachs Coilovers, Miltek Full System and Bluefin map.
Hmm, having said that...
Greenlight have just emailed @ £572! (I filled in the online quote form detailing mods etc). Might have to call them!
Yep, exactly how it happened with me.
P.S. If you are planning any modifications over the next couple months, it may be worthwhile to get them to include them as of now - because they charge a £25 admin fee if you change the contents of the policy during mid policy.
They covered my remap, full TBE and intake for free - as they say that they have carried out independant research that found that drivers with those modifications (and im sure many others too), did not have a higher chance of crashing - therefore why should they charge more.
Decent company I say!!
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i asked (GreenLight) about this about putting mods onto policy before they may be fitted to the car, and they said it would invalidate your policy.
Its a big no no, if theyre not on, dont risk it.
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i asked (GreenLight) about this about putting mods onto policy before they may be fitted to the car, and they said it would invalidate your policy.
Its a big no no, if theyre not on, dont risk it.
Oh!
Fair enough - I didn't ask them, it just made financial sense to me! I did it, but the car was only insured for about 5 days before the modifications were put on. Didn't really fancy paying £25.
Thanks for clarifying that though Phil :) :)
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esure for the mkv and michael ward associates for the ferrari - confused.com is pretty good at filtering out the uncompetitive quotes :smiley:
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i asked (GreenLight) about this about putting mods onto policy before they may be fitted to the car, and they said it would invalidate your policy.
Its a big no no, if theyre not on, dont risk it.
Oh!
Fair enough - I didn't ask them, it just made financial sense to me! I did it, but the car was only insured for about 5 days before the modifications were put on. Didn't really fancy paying £25.
Thanks for clarifying that though Phil :) :)
They are not bothered if the mod is going on the car a week or so after the insurance starts .... any more than that and they are not happy. That's what I got told when I asked.
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try more than , but direct not through one of these robbing comparison sites , the beat my nearest quote by £100 s , worth giving them a try :smiley:
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I'm middle aged, car garaged overnight, country location, no claims, conviction or speeding, max protected NCB, Businees use for me and spouse, legal assist. Renewal is £336 @ £400 excess from MoreThan.
Did an online quote with MoreThan and for same cover it dropped to £267 + £350 excess, plus I'm entiltled to 20% discount for 2nd year and for every year after if no claims.
I challeneged MoreThan and they said they'd drop my current policy renewal to £296....
New online policies are a promo being run at the moment!!!
Sounds like that ad on TV for mortgage/savings... once your hooked we F**k you for more.... :evil:
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I'm middle aged, car garaged overnight, country location, no claims, conviction or speeding, max protected NCB, Businees use for me and spouse, legal assist. Renewal is £336 @ £400 excess from MoreThan.
Did an online quote with MoreThan and for same cover it dropped to £267 + £350 excess, plus I'm entiltled to 20% discount for 2nd year and for every year after if no claims.
I challeneged MoreThan and they said they'd drop my current policy renewal to £296....
New online policies are a promo being run at the moment!!!
Sounds like that ad on TV for mortgage/savings... once your hooked we F**k you for more.... :evil:
should never go with a re newal though , not from any company ! more than , quote was good though ??? service from them is pretty good too imo
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Right,
All covered with Greenlight :)
£50 per trackday if I want it as well.
Fantastic to deal with such a helpful company!
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Right,
All covered with Greenlight :)
£50 per trackday if I want it as well.
Fantastic to deal with such a helpful company!
Glad to hear that :) :)