silvasurfa Posted January 4, 2006 Share Posted January 4, 2006 Got a quote from Lancaster Insurance yesterday- It's classic insurance limited to 5000 miles- Came out at £477!!! Is it me or is that stupidly cheap?! I'm 26 with 4 years no claims and 'no bad things' driving a 1994 SZ, mods declared. They're gonna do that agreed value thing as well when they ask for 6 pics- It just seems too good to be true!!! Any thoughts anyone, I was gonna give the club insurers a go but now i'm not sure if I need to bother?!! Quote Link to comment Share on other sites More sharing options...
silvasurfa Posted January 4, 2006 Author Share Posted January 4, 2006 Additional perks are that unlike most classic insurance poilices I can still build no claims. And.. in the event of an accident they'll only take off two of my years no claims!!! On the phone they actually advised me against no claims protection as for what i'm already entitled to it makes no odds!!! Does this make sense to anyone because it just seems far too good!!! Quote Link to comment Share on other sites More sharing options...
supRo Posted January 4, 2006 Share Posted January 4, 2006 no harm to give Sky a call. But I found Lancaster to be 500 pounds cheaper than sky, on a normal policy with agreed value and 15,000 miles limit. Quote Link to comment Share on other sites More sharing options...
silvasurfa Posted January 4, 2006 Author Share Posted January 4, 2006 Someone on another site has just mentioned that I may need to have another car available to drive, does that sound right? I'm a named driver on my girlfriends Audi, will that be ok? Quote Link to comment Share on other sites More sharing options...
supRo Posted January 4, 2006 Share Posted January 4, 2006 Someone on another site has just mentioned that I may need to have another car available to drive, does that sound right? I'm a named driver on my girlfriends Audi, will that be ok? Policies can differ quite alot. Best to call Lancaster and clarify Quote Link to comment Share on other sites More sharing options...
toyotasuprauk Posted January 4, 2006 Share Posted January 4, 2006 That quotes amazing! I'm 25 and my sz is a 95 manual but the rest of my details except postcode are the same as you and my renewal quote from sky was just over £900. Don't see why you would need to be insured on another car, best to check that with them but being insured on the audi should be enough. I might try them but 5000 miles a year is a bit low for me. Quote Link to comment Share on other sites More sharing options...
toyotasuprauk Posted January 4, 2006 Share Posted January 4, 2006 Also I was surprised that I'd turned 25 and got an extra years NCB and my policy only went down about 9%. Quote Link to comment Share on other sites More sharing options...
ChrisSZ Posted January 4, 2006 Share Posted January 4, 2006 Got a quote from Lancaster Insurance yesterday- It's classic insurance limited to 5000 miles- Came out at £477!!! Is it me or is that stupidly cheap?! I'm 26 with 4 years no claims and 'no bad things' driving a 1994 SZ, mods declared. They're gonna do that agreed value thing as well when they ask for 6 pics- It just seems too good to be true!!! Any thoughts anyone, I was gonna give the club insurers a go but now i'm not sure if I need to bother?!! £470 fully comp - not limited milage/classic or anything. 4 years NCB - Churchills:D Quote Link to comment Share on other sites More sharing options...
Angarak Posted January 4, 2006 Share Posted January 4, 2006 With a Lancaster Classic Car Policy, you are not covered for 3rd party to drive someone elses vehicle like you usually are with normal policies. As long as your a named driver on your girlfriends policy, you'll be covered to drive her car. Quote Link to comment Share on other sites More sharing options...
silvasurfa Posted January 4, 2006 Author Share Posted January 4, 2006 Is that with guaranteed valuation Chris and how old is ya?!! Quote Link to comment Share on other sites More sharing options...
supRo Posted January 4, 2006 Share Posted January 4, 2006 With a Lancaster Classic Car Policy, you are not covered for 3rd party to drive someone elses vehicle like you usually are with normal policies. As long as your a named driver on your girlfriends policy, you'll be covered to drive her car. True, but the cheapest policy Lancaster offered me was a normal (non classic) policy which has protected NCB and I can drive any other car, 15000 miles limit and agreed value. Quote Link to comment Share on other sites More sharing options...
silvasurfa Posted January 4, 2006 Author Share Posted January 4, 2006 The quote theyve given says this mate "Policy gives Proposer Third Party cover when Driving Other Cars An Excess of £250.00 is applicable for Fire & Theft claims. Restricted Mileage Policy: 5000. Green cards are free for certain countries listed in the policy, providing main permanent residence is in the UK and the visit is a temporary one. Insured driver ONLY driving. Includes Windscreen Cover - Applicable Excess : £50 Unlimited cover, excluding Sun Roofs. If a specialist glass repairer is NOT used, the excess is £100.00." And yes, I am named on her policy... Quote Link to comment Share on other sites More sharing options...
supRo Posted January 4, 2006 Share Posted January 4, 2006 I told you individual policies differ quite alot! Quote Link to comment Share on other sites More sharing options...
GeordieSteve Posted January 4, 2006 Share Posted January 4, 2006 What mods declared? Quote Link to comment Share on other sites More sharing options...
silvasurfa Posted January 4, 2006 Author Share Posted January 4, 2006 I know YOU did supRo that's why the post's headed ANGARAK!!! Quote Link to comment Share on other sites More sharing options...
toyotasuprauk Posted January 4, 2006 Share Posted January 4, 2006 I just tried churchills 25 years old, 4 years NCB, 95 non turbo. At first I got a quote of £901 or £1104 with protected NCB. But then I noticed it had selected an RZ TT, so I changed it to SZ and it went down to £793 or £971 with protected NCB which isnt great but my best so far. The hunt continues! Quote Link to comment Share on other sites More sharing options...
silvasurfa Posted January 4, 2006 Author Share Posted January 4, 2006 What mods declared? Oh nothing extreme mate, just 18 inch OZ team toms, stereo and some skirts, nought on the engine side of things... Quote Link to comment Share on other sites More sharing options...
carl0s Posted January 4, 2006 Share Posted January 4, 2006 With a Lancaster Classic Car Policy, you are not covered for 3rd party to drive someone elses vehicle like you usually are with normal policies. Not any more. Renewals from now on with CIS and I think it's NU no longer give 3rd party on other cars. I posted about it a while back. Quote Link to comment Share on other sites More sharing options...
supRo Posted January 4, 2006 Share Posted January 4, 2006 I know YOU did supRo that's why the post's headed ANGARAK!!! lol, soz, I meant that for Angarak too! Quote Link to comment Share on other sites More sharing options...
Marty Posted January 4, 2006 Share Posted January 4, 2006 Mines similar, £460 on a uk twin turbo, fully comp with protection, 12k miles and mods declaired. Im 24 with 5yrs ncb Quote Link to comment Share on other sites More sharing options...
silvasurfa Posted January 4, 2006 Author Share Posted January 4, 2006 Ooooooooh that is good! Mines only NA, you've got an extra years no claims but two years younger!!! Is it garaged or do you live in Army base or something?!! Quote Link to comment Share on other sites More sharing options...
dangerous brain Posted January 4, 2006 Share Posted January 4, 2006 Army bases make it more expensive as being in the armed forces for some reason makes you a higher risk. Quote Link to comment Share on other sites More sharing options...
toyotasuprauk Posted January 4, 2006 Share Posted January 4, 2006 UK spec will always be cheaper to insure though, the word import mean print money in insurance language. Quote Link to comment Share on other sites More sharing options...
Marty Posted January 4, 2006 Share Posted January 4, 2006 Ooooooooh that is good! Mines only NA, you've got an extra years no claims but two years younger!!! Is it garaged or do you live in Army base or something?!! think its, as toyotasuprauk says, because its a uk spec, i also live in a low crime zone so that helps i imagine Quote Link to comment Share on other sites More sharing options...
Angarak Posted January 4, 2006 Share Posted January 4, 2006 I know YOU did supRo that's why the post's headed ANGARAK!!! lol, soz, I meant that for Angarak too! I was told they dont offer 3rd party on 'classic car' policies, but do on other policies. My policy specificly says no 3rd party cover on other vehicles, but I'd be happy to be wrong as I can give them a bell and see if they'll change it Quote Link to comment Share on other sites More sharing options...
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