Insurance for S2's

[audinut]

After talking to a few places and hearing all sorts of crazy things i finally have the s2 insured with all modifications declared and an agreed value!

I had alot of stipulations and wanted to make sure everything was covered both when the vehicle is parked at my work and at home

I dont really understand why we have insurance companys advertising on here when they cant offer what 90% of people on here require

Anyway give lancaster a call they will help you get what you need - very happy with the price too

[5cylinderman]

For what it's worth, I have learned through close experience over the years regarding insurance that you must still be careful. Not wanting to detract from any insurers involved through the Forum or causing a argument I would like to make a point..
Even with "agreed value" and "all modifications declared" on your policy and you walking away happy in the knowledge that your motor is fully covered I have one word of warning.
Even with mods and values declared when talking with a new insurance company, just ask them for a copy of their claim forms and/or package. As the old adage goes, they ask few questions to get you into to a policy but ask hundreds of questions when submitting a claim. Again, I don't mean to start trouble but, please be careful in reading the small print, policy documents and booklets.
I know several owners of both high and regular valued vehicles that have been rogered by their insurance companies by being quoted section blah, subsection blah blah which ends up with both an unpaid claim AND a "claim history" of said unpaid claim.
Food for thought.

[audinut]

well we all know there sharks anyway , was just telling people that a company actually listened to me

[Cottis]

Sounds good. Bizarrely, my renewal came through the other day and it was over £140 cheaper than the year before. Very odd but welcome.

I have kept the signed copy of the sale from when I bought the car and keep adverts of like for like cars that I see advertised occasionally. I know in the event of theft or bad accident that I would struggle to get full value on the car irrelevant of if value was agreed or not. Like you say, most insurance companies are a%8*holes but its good to hear of a company giving you the policy you have.

[skyinsurance]

I dont really understand why we have insurance companys advertising on here when they cant offer what 90% of people on here require

Can you be more specific?

[audinut]

just every one I tried (didn't try you guys) wouldn't offer me a policy fully comp with an agreed value , vehicle modifications and to be insured weather its stored at my home or place of work

I think everyone on here probably has modifications , we all know s2's are a dying breed and therefore classic and most people have put a lot of hard work into maintaining these vehicles increasing there value so agreed value is a must as market value doe not show the true amount an enthusiast's car is worth

[skyinsurance]

just every one I tried (didn't try you guys) wouldn't offer me a policy fully comp with an agreed value , vehicle modifications and to be insured weather its stored at my home or place of work

I think everyone on here probably has modifications , we all know s2's are a dying breed and therefore classic and most people have put a lot of hard work into maintaining these vehicles increasing there value so agreed value is a must as market value doe not show the true amount an enthusiast's car is worth

You sound like our typical customer, please get in touch next time around.

We an offer agreed value policies (usually for second cars with limited mileage) and we specialise in modified car insurance. If the car is stored at different addresses, you'll need to update us when the car moves.

Tel: 01707 642552

[audinut]

If the car is stored at different addresses, you'll need to update us when the car moves.

Tel: 01707 642552

already that's not a policy for me , why should I ring up to tell you where the vehicle is

insurance needs to be easier than that .....

[1781cc]

Try need to insure, speak to Gary, I've got my B3 with them, agreed value, modified, perfect price and no hassles

[audinut]

just to clarify - I have insurance now , I just think its pointless insurance company's advertising here when they cant offer what we want

[Sonic]

already that's not a policy for me , why should I ring up to tell you where the vehicle is

insurance needs to be easier than that .....

I don't think i've yet seen an insurance policy where you don't have to state where the car is kept, as that's surely factored into the risk which effects the premium?

[audinut]

I don't think i've yet seen an insurance policy where you don't have to state where the car is kept, as that's surely factored into the risk which effects the premium?

Hi sorry if that's misleading , I have stated where its kept when not in use and its at 1 of 2 address's

however the sky man is saying if I stored it at my second address id have to call them and tell them its there , then if the next day I took it home id have to phone again and say it now at home (who in there right mind is gonna do that !)

[1781cc]

Sorry, half read the first bit :-(

[skyinsurance]

already that's not a policy for me , why should I ring up to tell you where the vehicle is

insurance needs to be easier than that .....

Insurers need to know about the risk they are covering. A good insurer can faciliate what you require, I have similar circumstances to your self and have no issue.

[Sonic]

Is it not possible to say "the vehicle will be parked on the driveway at home overnight half of the year and in the office car-park at address x,y,z for the other half", rather like how you a place of work for where the vehicle is during the day?