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Classic Insurance

Discussion in 'Z3 Roadster & Coupé' started by Keith Lowes, Jan 5, 2018.

  1. Keith Lowes

    Keith Lowes Dedicated Member
    British Zeds

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    Any recommendations, on classic car insurance, decided to be a three car family again, Z no rain!
     
    #1 Keith Lowes, Jan 5, 2018
    Last edited: Jan 5, 2018
  2. hard top

    hard top Zorg Expert (I)
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    @BMBabe might be able to steer you in the right direction, even though she is no longer in the biz.
     
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  3. BMBabe

    BMBabe Zorg Guru (V)
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    A-Plan in Thatchem
    Hagerty - Phil Dunne
     
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  4. roadvoyager1

    roadvoyager1 Zorg Guru (III)
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    Have a look at Classicline. Not the cheapest, but for me a good package and I found the process for getting an agreed valuation ( extra £20 for 2 years) fairly straight forward.
     
  5. DaveP

    DaveP Zorg Guru (I)
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    I went A-Plan Thatcham and pleased with how easy they are to deal with.

    Dave
     
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  6. Bozzy

    Bozzy Zorg Guru (V)
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    My zed insurance is due for renewal within two weeks, do you mind me asking how much your agreed value policy cost ?.
    Been considering getting the same depending on cost and conditions imposed.

    Steve.
     
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  7. roadvoyager1

    roadvoyager1 Zorg Guru (III)
    British Zeds

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    Hi Steve,

    My policy is fully comp. Uk and Europe. 5K miles a year, includes breakdown cover and recovery plus track day use for MSA approved events (each one has to be confirmed by Classicline). This costs me £230. The agreed valuation is an extra £20 and valid for 2 years. There is a questionnaire covering condition and "restoration" completed plus photos to support ( I just did 5 of the exterior). If they agree with your valuation that's it. Mine is agreed for £5000 and it a 1999 2.8 preface lift with 98000 miles. Condition is declared as good and I have replaced suspension, sills and front wings plus brake overhaul, just the normal stuff. Hope that helps.
     
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  8. Bozzy

    Bozzy Zorg Guru (V)
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    That's very good v.f.m :wideyed:.
    My present insurance is £100 p.a more than yours through Manning u.k but for 10k miles,includes track day cover, which carries a hefty excess of £1500 if you claimed for a track incident. Doesn't include break down cover. Valued at current market price for the car, so a lot lower than yours.

    Think I'll give Classicline a call :whistle:.
     
  9. Dino D

    Dino D Zorg Guru (V)
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    I have agreed value with Manning (MS Amlin is the actual insurer) so worth checking which policy you have, I specifically asked for agreed value.
    They also guarantee salvage title if it was a write off.
    Their agreed value allowed commuting too which many don’t.

    The classicline deal does sound very good too though.
     
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  10. roadvoyager1

    roadvoyager1 Zorg Guru (III)
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    They may be able to give a better price than you are currently getting, worth calling them.
    We live in a semi rural area so that may keep the price down as may my "more mature years". Being retired I don’t have commuting included but it can be at a small cost.

    Be interested to hear how you get on.
     
  11. hard top

    hard top Zorg Expert (I)
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    Don't know how that works in the UK? Mine had always been so but got written off for the price of new parts.
    OK, it covered the repair of the car my car hit, even though I was not driving at the time.

    They wet themselves at the price of a new bonnet alone, Euro 1100 ...
    Also paid out less because I kept the car but at the time I could not find the parts I needed 2nd hand over here, so I sold the car on myself.
    Sods law as usual, some time later I found a chap on FB who brakes Z's up near the German border, he is now a member on here and a couple of Zorg members have bought bits from him.

    Don't think you can even get that over here.

    That is standard over here because we could be driving in any Euro country but I always took out 'Get Me And My Car Home' extra cover from the Dutch version of the AA / RAC etc when driving in the UK.


     
  12. t-tony

    t-tony Zorg Expert (II)
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    But that was only cos you were s*** scared of Spurs getting his hands on it;)

    Tony.
     
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  13. hard top

    hard top Zorg Expert (I)
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    Yeah, because he kills them, mine got a second chance as the bloke who bought it did so to race it.
    He spent a lot of money on it with upgrades etc and stuck a Chevy V8 short block in it and a Hamann hardtop on it I have been told and races it at Zandvoort among other tracks.
    I have never seen it though, mores the pity, even though I asked if he would keep in touch.
    The bloke is not interested in car forums like ours and for him it was just a purchase.
    I gave him a Zorg card at the time, he looked at it and gave it back to me ....
     
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  14. t-tony

    t-tony Zorg Expert (II)
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    That's a shame Mike, would be nice to see it in action.

    Tony.
     
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  15. roadvoyager1

    roadvoyager1 Zorg Guru (III)
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    As I understand it, if the price of repairs is near or higher than the trade in book price based on year and average condition it will be a write off. The fact that you have done loads of work on it, spending a lot of time and money, count for nothing. Agreed value offers some reassurance should the worst happen.
     
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  16. IJSK

    IJSK Zorg Addict
    British Zeds

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    Hi, I am another Classicline customer.

    My 2001 2.2i went through the valuation process as described above, and is comprehensively insured for my wife (50) and I (57) at £4,000, 5,000 miles per annum.

    Obviously no no claims bonus relevant on a “modern classic” policy.

    Premium was £319 plus £20 valuation fee.

    I used to have a Volvo 1800S which they insured too. I have always found them a good firm to deal with, with the personal touch.

    Hope this helps.
     
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  17. Bozzy

    Bozzy Zorg Guru (V)
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    @IJSK thanks for the feedback, it is helpful to see what different people think of their insurers as it can be a mine field trying to find the right deal. It's not always down to how cheap you can get insured for, it's getting a decent level of cover as well :).

    Steve.
     
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  18. Bozzy

    Bozzy Zorg Guru (V)
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    Tried Classic line today.
    Unfortunately no good for me as far as a reasonable cost policy goes.
    As we do around 10k miles p.a and the car isn't garaged but is kept on the drive, the cost was £680 for the year.
    The chap said the lower prices are down to the 5k miles p.a owners.

    So I phoned my current insurers, Manning and asked about an agreed value policy, very helpful.
    He said I would have to get a written valuation from a garage, pretty much from anywhere apart from the likes of Halfords or Formula one auto centres, send it to them along with six photos of the car and if they agree, it's about an extra £20.
    Which would bring the total cost to about £355, with unlimited mileage.
    Just have to approach the local garage man that we use for m.o.t's and jobs that I can't tackle. He is a really honest bloke and I trust him, so hopefully he'll oblige for a fee.
     
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  19. roadvoyager1

    roadvoyager1 Zorg Guru (III)
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    Sorry to hear Classicline didn't work out for you, but it sound like you now have deal that suits your mileage and is not costing a fortune.
     
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  20. Bozzy

    Bozzy Zorg Guru (V)
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    No worries it was always worth a try :).
    If the zed wasn't so addictive I wouldn't do so many miles :coolsteer).
     
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