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    Insurance

    Hi
    Does anyone know the best place to get insurance?

    Thanks in advance

    Mark

    #2
    I use K&K insurance 01646621374
    2013-2016 2005 S197 V6 Coupe Black
    2017-2018 2007 S197 GT Coupe Tungsten
    2019-Current 2005 S197 GT Convertible Black

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      #3
      Thank you I will give them a call

      Comment


        #4
        Probably depends on what car you are talking about.
        S550 might aswell just use various insurance search websites.
        S197 I found Graham Sykes to be very good indeed.
        Old car then use a specialist classic insurance company, plenty to choose from if you look through the forum.
        You have to try a few as different companies will class different people as a risk or not.
        Let us know how you get on.

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          #5
          How'd you get on? My '66 is due for renewal soon and Adrian Flux have upped the premium 15%, so looking elsewhere...

          n

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            #6
            I have my classic with Hagerty, comes with free recovery which is a bonus but I think most companies offer it. My S197 until this year was with Brentacre but this year it was worth switching to A-Plan. The Dodge remains with Brentacre as A-Plan could only match the premium and out of loyalty I stay with Brentacre.
            Editor Round Up
            2012 Dodge Challenger SRT8 6.4 Hemi Yellow Jacket
            2011 ROUSH Stage 2 Mustang
            1964.5 Vintage Burgundy 164hp 260ci V8 Convertible

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              #7
              Ok thanks! I got a quote of 221 with Lancaster which AF matched - 66 Mustang with some mods, agreed value of 23k, garaged, 2k miles per year (who's really going to check???), and breakdown included. Can't fault them for service really....

              n

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                #8
                Originally posted by ausnp84 View Post
                Ok thanks! I got a quote of 221 with Lancaster which AF matched - 66 Mustang with some mods, agreed value of 23k, garaged, 2k miles per year (who's really going to check???), and breakdown included. Can't fault them for service really....

                n
                not being a kill joy about the who’s going to check but if you did need to claim don’t be surprised if they ask for MOT certificates as they will try anything to get out of paying you. I do 3,500 a year max but have a 5,000 mile allowance to make sure, your call though.
                2013-2016 2005 S197 V6 Coupe Black
                2017-2018 2007 S197 GT Coupe Tungsten
                2019-Current 2005 S197 GT Convertible Black

                Comment


                  #9
                  Originally posted by Musti View Post

                  not being a kill joy about the who’s going to check but if you did need to claim don’t be surprised if they ask for MOT certificates as they will try anything to get out of paying you. I do 3,500 a year max but have a 5,000 mile allowance to make sure, your call though.
                  They can't ask for an MOT certificate because they don't need one! (and they can't make you have one)
                  You could disconnect your speedo if you got anywhere near the limit, of course I would never do such a thing!
                  When I had a classic policy on the Land Rover they didn't need or want the mileage as they know that 99.9% of classic owners never get near their mileage.

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                    #10
                    Originally posted by Musti View Post

                    not being a kill joy about the who’s going to check but if you did need to claim don’t be surprised if they ask for MOT certificates as they will try anything to get out of paying you. I do 3,500 a year max but have a 5,000 mile allowance to make sure, your call though.
                    Thanks.... but I work in insurance and know how the game works. A ‘66 doesn’t require a mileage-recording MOT and unless you’re splashing around on facebook grand posts about driving to Spain and back, they usually won’t check too hard. They’re waaay more interested in locked garages and non-reported modifications. Very interested.

                    My 2k figure is probably pretty accurate anyway.

                    n

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                      #11
                      True forgot about the new mot rule
                      2013-2016 2005 S197 V6 Coupe Black
                      2017-2018 2007 S197 GT Coupe Tungsten
                      2019-Current 2005 S197 GT Convertible Black

                      Comment


                        #12
                        Of course, no one fits a 'new' [2nd hand] speedo any more, do they? Do they??

                        In the end, limited mileage is going to be a 'trust' thing. Plus, adding a few thousand to one's limited mileage actually costs almost coppers. [In my case].
                        I use Hagerty. I find them helpful.
                        I also have my other oldfahrtspecial covered by them as well.
                        They want to renew my cover at the same price as last year [Couple of hundred pensionquids for both]
                        I suppose , regarding limited mileage, it helps having other vehicles covered in my name as well. Plus, I'm the only one living here..so kids, ex-wives and neighbours don't try to borrow any of my vehicles....[Daughter will have to wait till I die, to get the Mustang]
                        I only have just enough daylight hours in my life to do all I need to do, never mind driving everywhere at a trillion miles an hour!

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                          #13
                          Having worked in Financial Services, the common theme is that insurers are quite lenient until you make a big claim. Then they will look closely at the circumstances in order to find a reason for not claiming. So if you happened to run into a Roller or injure someone who was left unable to work for some time, or worse, then they would scrutinise the situation very closely and use any excuse they could not to pay out.

                          Insurers have the whip hand, so best to be straight with them.

                          As someone said, the cost difference is not great, and you can "play" on-line with various mileages to see what difference it makes.

                          I will have a problem on renewal as I specified 6,000 miles a year (the PCP limit) and will only do about 2,500 I think but am unsure if you can "carry forward" unused mileage or not ?.

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                            #14
                            I insured my classic 68 convertible on line last month with Grove and dean insurance. It was 85 for the year fully comp with 30k agreed value. I paid the extra for brake down cover so in all paid 110 for the year!! I still can’t believe how much of a smart move it seems to have been to buy a classic Mustang. Cheap to insure, cheap to maintain, no tax, no mot. Easy to work on easy to get parts that are also cheap. And it’s most likely going to only ever go up in value. Smart money I’d say.

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