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Hello guys need some help I need to insure my car and am looking for a good quote, I came across a company called mustard that is like a comparison site and they are the cheapest compared to go compare, confused, compare the market, but now I am wondering is this a proper company as i never heard of it and the cheapest quite from this site was from flux direct which I know are a insurance company,also has anyone had a good deal or a company that they use, another thing is a work colleague told me it's cheaper to insure your car in January compare to other months, just wondering how true this is, all help appriciated
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fazzer
Part of things
Posts: 213
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Dec 13, 2017 12:42:58 GMT
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I've been insuring my vw T25 with 2gether insurance been same price for last 3 years £150 fully comp.Never made a claim from them so don't know about their after care service.
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Dec 13, 2017 17:12:28 GMT
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Will have a look at them do they come up in comparison sites or do you have to go direct
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fazzer
Part of things
Posts: 213
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Dec 13, 2017 20:37:57 GMT
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Don't think they on comparison sites I found them in a vw mag.comparison sites are better for the daily drive cars never bothered trying to insure a classic or modified better off ringing them direct.
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Dec 13, 2017 22:13:46 GMT
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I am insured with footman James. Cost me about 400 fully comp, mods declared on a classic policy.
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Dec 13, 2017 23:21:41 GMT
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I see I will give them a call and see how it goes
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autojumbled
Club Retro Rides Member
Posts: 221
Club RR Member Number: 106
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Classic car insurance autojumbled
@autojumbled
Club Retro Rides Member 106
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Dec 14, 2017 15:00:50 GMT
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I am insured with footman James. Cost me about 400 fully comp, mods declared on a classic policy. Footman James cover modified cars? Last time I tried a quote with them (ST185 Celica) they said 'no mods' on a classic policy! |
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ems1
Club Retro Rides Member
Posts: 295
Club RR Member Number: 5
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Classic car insurance ems1
@ems1
Club Retro Rides Member 5
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Dec 15, 2017 21:13:56 GMT
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My Manta is insured with RH Insurance, just under £200 fully comp, mileage limit 5000 miles and all mods declared on a classic policy. When getting quotes for my renewal Brentacre was quite close. My old Manta was insured with Heritage.
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1985 Manta GT/E 16v
2001 VW T4 Caravelle
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I'm with Brentacre, having used Footman James for several years. FJ will cover certain mods (lowered a bit, wheels, that sort of thing), but I'd heard that big power increases are not covered. Their old offices were right by my work so I'd often just drop documents in rather than posting them.
Brentacre cover anything, and its on a performance basis. When I took out my policy I told them that the 44bhp 1500cc motor was due to be replaced with a 160bhp 2007cc motor. They quoted me £150 and told me just to let them know when the bigger engine was in. When I did, they updated the policy but didn't charge admin fees or anything like that.
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1968 Cal Look Beetle - 2007cc motor - 14.45@93mph in full street trim
1970-ish Karmann Beetle cabriolet - project soon to be re-started.
1986 Scirocco - big plans, one day!
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If it's standard classic then nothing beats 'Haggerty' - but like all things you pay for what you get - I made a claim on my policy last year and it could not have been easier - I think it's circa £250 a year for the Rover 3500 & the Jowett Javelin - it's barely gone up since the claim - I also undertook a repair on behalf of Haggerty for one of their policyholders and again it was so straight forward - paid my invoice out pretty sharpish too.
It's all too easy to think that that the cheaper policy will do the job - I experienced this earlier this year when I took a motor trade policy with 'Tradex' - £400 cheaper than everyone else - but what a nightmare - ended up cancelling the policy after 3 months it was so much hassle and went elsewhere
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Last Edit: Dec 16, 2017 9:51:53 GMT by Deleted
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scmick
Posted a lot
Posts: 1,492
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Dec 16, 2017 10:01:02 GMT
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I've always got a good deal from RH on the various SIMCAs I've had. They are OK with 'period mods' too.
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Dec 19, 2017 21:49:58 GMT
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Is RH insurance the actual name of the company or does RH stand for a longer name as in FJ for footman james
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ems1
Club Retro Rides Member
Posts: 295
Club RR Member Number: 5
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Classic car insurance ems1
@ems1
Club Retro Rides Member 5
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Dec 21, 2017 20:45:40 GMT
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They're called RH Specialist Insurance, no idea what the RH is short for!
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1985 Manta GT/E 16v
2001 VW T4 Caravelle
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scmick
Posted a lot
Posts: 1,492
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Dec 21, 2017 20:50:26 GMT
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Originally I think it was Richardson-Hosken or something like that.
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Dec 30, 2017 22:03:32 GMT
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I use Peter James or Classicline, both are excellent!
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Dec 30, 2017 22:30:45 GMT
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A recommendation for Peter James here.
I'm about to renew with them, I rang around and realised that nobody else can offer me the flexibility I want for anything like the same price.
With them I've got commuting, various agreements about where each car can be kept, no mileage limit, modifications, two cars with agreed value, currently three cars on the policy but there has been four. Adding or taking off cars has always been easy and cheap.
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Originally I think it was Richardson-Hosken or something like that. The name Richard Hiscox comes to mind from the early days. |
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Last Edit: Dec 31, 2017 0:23:35 GMT by Deleted
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You wouldn't believe the hassle I had when trying to insure my MK1 Pajero v6, it was a fricking nightmare.
I've owned most Japanese sports cars and never had a problem getting a good price or difficulty getting quotes..
The best companies in my opinion- price, service and rep-
Adrian Flux
Footman James
Christ Knott
Lancaster
Peter James (got to be 30yrs old but really cheap)
HIC
I ended up ringing/online quotes over 40 different companies and most couldn't even quote me including most of the above however I've dealt with them before so can recommend them.
Just be careful on comparison websites, there's a few shady companies who use them, they'll give you a good price so you ring them up and then they'll change the price over the phone (quotes aren't always as detailed as each other on comparison sites). They have really bad feedback because of this and I don't mean a couple neither. I think they're called performance direct and I can't remember the other one but it's basically the same company under 2 different names.
Insurance, although regulated, still has a lot of chancers/legitimate scammers who'll take your money and never give you anything in return apart from a "insured" on a database. The cheapest price isn't always the best and that's coming from someone who's never had an accident or needed to use his insurance cover other than to get recovered once!
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I avoid Adrian F**x these days. Declaring mid policy mods they pull your pants down and try to put them over your head 💩
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I usually have in the past if I'm honest but they were literally one of only a few companies who would insure it.
Couldn't fault their professionalism and due to the fact they're well known and rated (I have read the fair share of negative views though) it was worth taking out the policy knowing that ultimately they should be legitimate in an event of needing their services.
They added in quite a few extras including agreed value too.
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