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Well, I know it is a large onging cost for most owners, and thought it would be useful for us to share a little information for us to help get the best deals.
What I propose is a bit of info sharing, with members giving as mush info as possible, such as Insures name, and telephone/web address, drivers age, number of years no claims and location (rough, obviously don't post your address and postcode!), value of vehicle, and any extras included in policy, and of course the quote.
Full No-claims (8 years)(wife has 2 claims in past 18 months)
Protected Premium
Driveway Parking
Area Chelford, Cheshire
£48,000 Cayman S
Free trackday cover at Porsche Club GB track days. Free PCGB anual membership.
Quote £1120
Cheers
Jack
P.S. Please note, I will be editing this thread to keep it On-Topic and clean for just Insurance Info, not opinion. Nothing personal if I delete your post. Please start another thread if there is another linked topic you feel like discussing and avoid use of this sticky thread. Thanks.
My details as follows:
1) Porsche Cayman S registered Oct 2006 (£54000)
2) 33yrs age (optometrist)+ wife 34yrs age (optometrist)+ dad 66yrs age (retired)
3) Living in Hertord, Herts.
4) Admiral multicar policy
5) Premium of £692
6) Not sure about trackday cover (may include one day free?)
Cayman S
Jan 06 Car
£52 K new
8 years protected no claims
1 bump in last 3 years
Me 33yrs property developer
Girlsfriend 35 Accountant.
Dad 59
Kept on the drive in Halifax, west yorks.
Hmmm, almost embarrassed to tell you what I pay having read some of the above.
Self and wife, both 53. She works, I'm semi retired.
Cayman 2.7, value £37k.
Garaged. Low risk postcode area.
Fully comp, max NCB, both have clean licences.
I was with Direct Line, (for a 964 Carrera 2 no less!) but fell out with them as they wanted me to fit a Tracker, which I refused to do on religious grounds. (explanation ... it is against every Scotsman's religion to be forced into spending money he doesn't want to spend!) I used Confused.com to get a range of quotes, which varied wildly, but one company was way cheaper and no silly hassles about trackers.
Saga Insurance - £277 pa.
(since raised to £295 to cover travel to work for my wife)
Not actually received the car as yet, but have been doing quite a bit of investigation and the best quote I found is currently with directline (but, as John H says, I would have to get the tracker).
I am 29, Technical Architect, 10 years no claims, no bumps, no convictions etc, kept in South East London in a garage and was quoted £802 (although this will effectively be £978 with the tracker costs incorporated). Going to keep looking to see if I can get a better deal.
Cayman S
£48k
Self & wife (both 49) for Class A business use
Rurual location in Peak District
£550 from Norwich Union
Zero no claims (came from company car) but they did give me a 70% intro discount, plus another 10% as I have another car insured with them.
cheers
simon
PS they didn't require a tracker either (I'm not sure I'd want my car back after it's been nicked by some scroat.!!)
This whole Tracker nonsense is another in a long line of insurance company scams (IMHO). If the car gets nicked, I want money, not the car back, so the device is of most benefit to the insurer. The Porsche system costs over a grand, or about half that if you get an aftermarket system. This however means entrusting your pride and joy to some back street monkey, armed with a pair of pliers, a packet of Scotchlok connectors and a roll of insulating tape. On a car with fibre optics, more computer systems that the NASA moon lander, and worth anything up to £50K?
I think not!
In the last 3 or 4 cars I have owned, the ONLY unreliablity I have experienced has been to do with aftermarket alarms and immobilisers. I have been locked out of one car, another that would not start, and other random misbehaviour. In may last two Porsches I have paid someone to remove these blasted things. I was absolutely certain that no one was dictating to me that I waste money on something I did not want, AND compromise the most expensive single object (house aside) that I have ever bought. I'd bet a weeks wages that the insurance companies have shares in the firms that make these useless systems.
I HATE INSURANCE COMPANIES!
Useless? ... absolutely. To steal an expensive car with a tracker, all you need is a lorry and a shipping container. Steal the car, drive it into a steel container, which renders the tracker useless due a well known phenomenon known as a Faraday Cage, hoist it on to a lorry and drive off.
Agreed - trackers are awful, if my car is ever to be stolen and driven around by some chump i don't want it back. I managed to find an insurer who would provide cover without a tracker - Bell (a subsidiary or admiral), here are my details.
Me (Accountant) 27 - My mother (housewife) 50
Cayman S - £54k
3 years NCB
Parked on a driveway in london
Premium - £1480.
Although this includes a £1k excess. Also found that for someone of my age, putting your mother on the insurance (even though she's never likely to drive it) reduces the premium by around £600 - £700.
34 with full NCB
£48K value new
driveway parking
business use with 18000 miles/year estimate
£924 protected NCB (with parents onboard which lowered the cost)
No tracker required
North West postcode that probably isn't as good as I'd like it to be
£250 excess I think
Done through Admiral via confused.com search engine