Fleet insurance, help wanted!

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Citroenmad
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Fleet insurance, help wanted!

Post by Citroenmad » 30 Dec 2014, 09:55

Hi all,

The insurance for the Xantia HDi, Activa and Rover 75 is up for renewal on the first Jan, previously they have been covered under a trade policy but it seems that they have tightened things up and trade policies require proof of trading, either receipts of cars bought and sold or for parts from working on cars. I've tried going through a broker and speaking direct, some are less stringent on this but still work out insanely expensive.

I've been getting quotes for collector car policies (Glegg Gifford), multicar policies (admiral) and for each car as a single (through compare the Meerkat ..) but each way is prohibitively expensive ... Is insurance on the up? :shock:

By expensive I mean each option is between 1400-1700 quid, I can't justify that on 3 second, luxury cars.

I have my C1 on its own policy which costs less than £200 quid a year. The Ami 8 is on a classic policy for £135 a year.

I've always found insurance to be expensive for me, the Passat which I had a few months ago was costing almost £1200 a year alone! The HDi Xantia seems about £150 more to insure than the Activa 8-[ and the 75 is the cheapest of the lot.

The obvious thing to do is to sell some cars but my cars are my hobby, an expensive hobby but nevertheless. However that is the route I'm considering now, as some of them really don't get much use.

I could use just insure the Xantias for the time I use them, as they're always off the road over winter to keep them away from the salt, so that's a help and means I don't have to sort something this soon. The 75 shares my daily driving with my C1 and I've really taken to it. I might insure that on its own and make my Xantia decisions later ... :( I need to thin down the number of cars anyway.

I'm wondering what other people with a few cars do and what insurance companies you use, any help much appreciated :)

Northern_Mike

Re: Fleet insurance, help wanted!

Post by Northern_Mike » 30 Dec 2014, 10:56

I have all mine on single car policies. The C5, Berlingo and BMW are with Direct Line and the DRK is on a classic policy with Peter Best insurance. The C5 costs me around £178 , Berlingo £190, BMW £221 and the DRK £98.

One of the reasons I gave up on Xantias was the insurance. My Impreza cost less to insure than the HDi Exclusive I had.

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macAU
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Joined: 08 Apr 2014, 06:24

Re: Fleet insurance, help wanted!

Post by macAU » 30 Dec 2014, 12:04

Earlier in the year when I needed to insure my Raid Arctique car the most helpful people were Locktons. The cover was agreed value and a fraction of what others wanted.

isisalar
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Re: Fleet insurance, help wanted!

Post by isisalar » 30 Dec 2014, 12:49

I've recently found these people to be very competitive, cheaper than the comparison sites, and they are human!
http://www.flintinsurance.co.uk/" onclick="window.open(this.href);return false;
Give them a call.
Cheers
Paul

bxzx16v
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Joined: 29 May 2011, 22:11
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Re: Fleet insurance, help wanted!

Post by bxzx16v » 30 Dec 2014, 22:55

I've been through this myself Chris with the 406 coupe, no specialist would insure it on a restricted mileage policy ( I had the same problem with the Zx16v) , the only modernish Peugeot they would insure was a 206 Gti, after the best part of a morning on the phone I managed to get a good price from the meerkats using my ncd on the berlingo mirrored onto the 406 policy. The cost for the year was £236 comprehensive, I'd had some quotes at £600 plus. Tbh the so called specialist brokers were pretty poor, I hope you manage to get something sorted Chris.

Mark

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Stickyfinger
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Re: Fleet insurance, help wanted!

Post by Stickyfinger » 30 Dec 2014, 23:11

Does the Citroen Car Club (? name) not have arrangements with insurance companies ?...I do mt other car via the Healey Owners Club...I used to keep it 12 months a year, for £240 fully Comp agree value....


and

1400-1700 notes to insure an Activa....WTF is that about ??...I used my old addy and could not get one for more that 300 notes, changed address to my mates (iffy Luton "Estate" ), still came in at only £650 PA with 10 years NC with a garrage

bxzx16v
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Joined: 29 May 2011, 22:11
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Re: Fleet insurance, help wanted!

Post by bxzx16v » 30 Dec 2014, 23:18

I've tried the ones who advertise in the Citroenian and they wouldn't even quote me for my old Zx16v even though there were only 16 examples left on the road.

Mark

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daviemck2006
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Re: Fleet insurance, help wanted!

Post by daviemck2006 » 31 Dec 2014, 00:02

In all my time of insuring cars I have always had separate policies. Sometimes 3 different policies between me and the ex, and 4 if you include my daughter. Anytime I tried a multicar i always was quoted ridiculously more than them being on their own. I think some of Chris's problem is his age, being youngish. Sometimes it pays to be on the wrong side of 50 :rofl2: