Insurance

[toenheel]

Morning all

My insurance is due on the 30th and I'm with classic line currently, the only issue is my no claims will expire after another years insurance any suggestions for other providers who will accept supersprint and Ap's with guaranteed value??

Phil

[Bounce]

Morning all

My insurance is due on the 30th and I'm with classic line currently, the only issue is my no claims will expire after another years insurance any suggestions for other providers who will accept supersprint and Ap's with guaranteed value??

PhilHow many years can your no claims not be used before they expire then ?

[phoenixcsl]

How many years can your no claims not be used before they expire then ?

Two years IIRC

[toenheel]

Yep 2 years, it is "held" against my classic line policy so need to check if this means it won't expire. Who is everyone else using?

[Trawler]

I'm confused. I thought no claims years went up with every year you have been a good boy/girl. Never heard of no claims bonus expiring.

[toenheel]

I'm confused. I thought no claims years went up with every year you have been a good boy/girl. Never heard of no claims bonus expiring.

It's because classic line policy is a classic car insurance policy so they don't give you no claims. As no claims are valid for 2 years if I reinsure with them I run the risk of losing the no claims I've built up. I did ask for it to be held against the policy so need to check how long I can do this.

[Trawler]

It's because classic line policy is a classic car insurance policy so they don't give you no claims. As no claims are valid for 2 years if I reinsure with them I run the risk of losing the no claims I've built up. I did ask for it to be held against the policy so need to check how long I can do this.

Thanks. I need to check this out as I'm with classic line and niaevely thought my no claims bonus just rolls on. Will ring them tomorrow.

[Bounce]

I'm with Classicline and knew they don't use no claims,but said they would hold it for me,didn't realise it would expire 😳

[s.mac]

They told me they held it as long as you are with them, you just don't get anymore years added on, ie it's held at what it is when you start with them.

[Trawler]

So when we change insurance company will classic line send proof of no claims?

I remember I had to send proof to them.

[toenheel]

So when we change insurance company will classic line send proof of no claims?

I remember I had to send proof to them.

Thats what I'm just emailing them about now.

[toenheel]

Right I have some clarity now, basically Classicline will hold your no claims at the amount they were when you joined them, in my case 6 years. As and when I need them they will issue a letter for proof. I've just agreed £666 31 yr old, 56k mile CSL with supersprint and full AP's. Guaranteed value at £55k.

[Trawler]

Right I have some clarity now, basically Classicline will hold your no claims at the amount they were when you joined them, in my case 6 years. As and when I need them they will issue a letter for proof. I've just agreed £666 31 yr old, 56k mile CSL with supersprint and full AP's. Guaranteed value at £55k.

Still trying to get my head round this. Let's say you stay with Classic Line for 4 years and don't have a claim then if they issue a letter of proof are they going to to state you have not had an accident for 6 or 10 years? If I was obtaining quotes I would tell the insurance company I have 10 years no claims. This would not look good if I changed insurer & Classic Line then issued a letter stating 6.

[toenheel]

Still trying to get my head round this. Let's say you stay with Classic Line for 4 years and don't have a claim then if they issue a letter of proof are they going to to state you have not had an accident for 6 or 10 years? If I was obtaining quotes I would tell the insurance company I have 10 years no claims. This would not look good if I changed insurer & Classic Line then issued a letter stating 6.

The no claims is not used against the classicline policy just held with classicline so as not to expire seperately. At any point they will issue proof of your no claims if you need to take another policy out elsewhere but it will be for the amount of years that you had when you first contacted them to hold for you.

[Yanto]

Tried classic line today. Good quote, but there was another interesting perspective.

I asked about the protected no claims (mine is full) and they had quoted me without taking this into account. I.e no no claims.

I asked they run it again, and the quote was no different, telling me for these types of policies, no claims didn't really matter.

Then I said, what if I decide to move my insurance on from them to another provider at a future point, there was a convuleted explanation around other classic car insurance would prob honour it, but the mainstream firms might not because they have an expectation that a punters no claims bonus is used against their daily, not the car they're insuring with classic line. Now, even though I rarely drive CSL, it's my main insured car. The daily GTi is in wife's name.

So another consideration...depending on your usage and insurance set up with other cars

[Yanto]

That's to say, do not insure CSL through these guys if it's your main insured car.

Now I'm gonna have to buy an M2 to transfer my main insurance NCB to ;)

(what I told the missus)...

And run CSL through classic without NCB.

[Bounce]

They told me they would hold it until I moved on:smt108

[Trawler]

That's to say, do not insure CSL through these guys if it's your main insured car.

Now I'm gonna have to buy an M2 to transfer my main insurance NCB to ;)

(what I told the missus)...

And run CSL through classic without NCB.

Don't you just love man maths. Brilliant never heard this one before.

[Yanto]

Stuck with cci as no time to faff flipping stuff around.

Raised insured value from £35k to £50k (although not guaranteed value)
Added 3 points speeding pinch from last month
Reduced annual mileage from 6K to 4K (still more than I did last year)
Premium compared to last year is down ~30%

Ok I think ?

[0836whimper]

There are no universal 'rules' as such for NCD, it's really vague.
I agree with the post above that if it's your main insured car, I wouldn't insure through Classicline as their risk models/policies don't really work in a world of 'building up' NCD. They don't risk model it, or track it.

They have said they will keep proof on file to be passed on to a future insurer, but you are relying on the future insurer to accept it.

(and underneath all this it's just a tick in an electronic box to feed into a machine....)

[mouser73]

Stuck with cci as no time to faff flipping stuff around.

Raised insured value from £35k to £50k (although not guaranteed value)
Added 3 points speeding pinch from last month
Reduced annual mileage from 6K to 4K (still more than I did last year)
Premium compared to last year is down ~30%

Ok I think ?

Mine's with cci. They wanted a tracker for anything valued over £40K:-( my car has one but when I tried to reactivate I was told by Tracker that the battery was probably flat and their trackers only lasted for 10 years.

Cheers.

[CraigMillwardCroft]

Mine's with cci. They wanted a tracker for anything valued over £40K:-( my car has one but when I tried to reactivate I was told by Tracker that the battery was probably flat and their trackers only lasted for 10 years.

Cheers.

Mine came with a Tracker and one call they came out changed it to my name serviced it at my house, and offered a lifetime of the car cover so happy days :thumbs:

[Yanto]

Mine's with cci. They wanted a tracker for anything valued over £40K:-( my car has one but when I tried to reactivate I was told by Tracker that the battery was probably flat and their trackers only lasted for 10 years.

Cheers.

Yeah missed that on original post, needs tracker

[Pip1968]

Ha ha the Classic Cars tracker fiasco. I had to get one for my Porsche as it was over £40,000. I paid for the lifetime cover after the first year. Whilst it was fitted to the car it kept on sending false alarms ie they would ring me every time I went out to ask if I had moved it. In the end fed up of getting the calls I asked them to fix it.

They then charged +£100 to come over and look at it. The bloke suspected the unit's battery was kaput but was too fat to reach it with the cage and bucket seats :hahaha:. I had to therefore squeeze in myself and dismantle the covers for him to be able to reach the unit with numerous socket extensions. Still got charged though.

I have never had any other calls since even though it has been into the garage for work in Germany and Blighty so not sure they will find it if it gets stolen. :whistle:

Pip

[Trawler]

Is the requirement for a tracker in the small print? They never asked for one when I took out the policy with them. Best I go and read the small print. :banghead:

[mouser73]

Is the requirement for a tracker in the small print? They never asked for one when I took out the policy with them. Best I go and read the small print. :banghead:

I'm not sure, but I know it's a stipulation. They only told me about it when I had my Spyder last year. Which means; A. All my previous cars ensured through them were uninsured. Or B. It's a recent thing.
I've booked in for a cobra tracker for £230 fitted and £130 subscription PA.

It feels like another tax.

Cheers.

[Trawler]

I'm not sure, but I know it's a stipulation. They only told me about it when I had my Spyder last year. Which means; A. All my previous cars ensured through them were uninsured. Or B. It's a recent thing.
I've booked in for a cobra tracker for £230 fitted and £130 subscription PA.

It feels like another tax.

Cheers.

Had a quick look at the paper work and the only stipulation I can find is regarding the immobiliser. Will have to give them a ring.

[mouser73]

Had a quick look at the paper work and the only stipulation I can find is regarding the immobiliser. Will have to give them a ring.

Please let me know what they say. I'd rather not get one if I don't have to.

Cheers.

[Trawler]

Please let me know what they say. I'd rather not get one if I don't have to.

Cheers.

They just confirmed it depends on where you live.

[mouser73]

They just confirmed it depends on where you live.

Crazy! I live in one of the lowest risk postcodes and they demand I have a tracker:banghead:

Will have to give them a call.

Cheers.

[Bounce]

Crazy! I live in one of the lowest risk postcodes and they demand I have a tracker:banghead:

Will have to give them a call.

Cheers.Im OK,no tracker required,is your post code 1R AQ :hahaha:

[Bounce]

I do have to have one on the Range Rover though :bigcry:

[mouser73]

Just tried to call CCI, but they've closed their offices! I'm hoping it's a computer problem!

Cheers.

[cslgirl]

I was with Flux Direct. This time when I went to reinsure they wouldn't insure the csl to the agreed value without a tracker :( it would of worked out about £310 and then had to get a tracker.

So I contacted classic line and fully comp with agreed value £370 :beer:

[mouser73]

finally managed to get hold of CCI today and renewed my insurance. They told me that any vehicle with a value of £40K+ must have a tracker regardless of area.
It's a pain. But I need the track cover. And their package is really competitive.

Cheers.

[Bounce]

finally managed to get hold of CCI today and renewed my insurance. They told me that any vehicle with a value of £40K+ must have a tracker regardless of area.
It's a pain. But I need the track cover. And their package is really competitive.

Cheers.Classicline do track cover ;)

[0836whimper]

Classic Line also include breakdown. Although it's not valid on a trackday, and neither is the RAC's...as a mate discovered yesterday when he lunched the diff on his e36 M3 track car.

He waited outside the cafe at Donington but they refused to pick him up.
The AA and others will recover from a trackday though.

Couple of CSL's at Donington yesterday ensuring the GT4's and Cayman R's didn't get away :thumbs: It was super sticky !

[CraigMillwardCroft]

Classic Line also include breakdown. Although it's not valid on a trackday, and neither is the RAC's...as a mate discovered yesterday when he lunched the diff on his e36 M3 track car.

He waited outside the cafe at Donington but they refused to pick him up.
The AA and others will recover from a trackday though.

Couple of CSL's at Donington yesterday ensuring the GT4's and Cayman R's didn't get away :thumbs: It was super sticky !

When my RS500 let go, got it towed to outside the track at Brands then called recovery :thumbs:

[Stumpy]

I was with Flux Direct. This time when I went to reinsure they wouldn't insure the csl to the agreed value without a tracker :( it would of worked out about £310 and then had to get a tracker.

So I contacted classic line and fully comp with agreed value £370 :beer:


What value did you put against it?

:whistle:

[Yanto]

I've just put a cat 5 tracker on my car, insured value £50k with CCI. Still with 5 TDs.

High risk area (e14). In secure underground car park.

Good looking owner and beautiful wife. ~£850 pa. full NCB. Protected.

[Stumpy]

I've just put a cat 5 tracker on my car, insured value £50k with CCI. Still with 5 TDs.

High risk area (e14). In secure underground car park.

Good looking owner and beautiful wife. ~£850 pa. full NCB. Protected.


That's expensive - the premium, not your waff!
But, I suppose 5x TDs will add a fair premium as will E14?

[glendog74]

I've just put a cat 5 tracker on my car, insured value £50k with CCI. Still with 5 TDs.

High risk area (e14). In secure underground car park.

Good looking owner and beautiful wife. ~£850 pa. full NCB. Protected.

£50k? :whistle:

[glendog74]

Renewed mine with CL last week: £352 with agreed value £38k (81k miles).

I'd forgotten I get European breakdown cover thrown in :thumbs:

[Yanto]

That's expensive - the premium, not your waff!
But, I suppose 5x TDs will add a fair premium as will E14?

Yeah, postcode is the killer. Slightly less risk than Beirut :)

[Yanto]

£50k? :whistle:

London weighting bro ;)

[CraigMillwardCroft]

Do you have a number for them. As CCi mine this year mine £368 with 5 TD's value £39999 due next month.

[pops]

Do you have a number for them. As CCi mine this year mine £368 with 5 TD's value £39999 due next month.

Do you mean for Classicline?

If so, 01455 639 000

[Stumpy]

CL just quoted me £375pa with a £50k agreed value & <5,000 miles (no Tracker, but garaged).

This compares against £310 with LV without agreed value.

[CraigMillwardCroft]

Do you mean for Classicline?

If so, 01455 639 000

Cheers :thumbs:

[Bounce]

Renewed mine with CL last week: £352 with agreed value £38k (81k miles).

I'd forgotten I get European breakdown cover thrown in :thumbs:Agreed value 42k on mine with CL,85k miles :blalalala:

[glendog74]

Agreed value 42k on mine with CL,85k miles :blalalala:

Lol! I put mine up by £5k value over last year's policy :hahaha:

[Trawler]

Just trying to obtain insurance for another car. Classic car insurance no claims bonus not recognised hence no discount. :banghead: Typing this while listening to some crap recording while hanging on the line with some other broker. Sure they do this to rack up your phone bill. :banghead:

[Yanto]

Post #15.

[Bounce]

Just trying to obtain insurance for another car. Classic car insurance no claims bonus not recognised hence no discount. :banghead: Typing this while listening to some crap recording while hanging on the line with some other broker. Sure they do this to rack up your phone bill. :banghead:I spoke to them last week about this and they assured me everything would be fine when it came to taking my No claims with me if I move:banghead:

[Trawler]

I spoke to them last week about this and they assured me everything would be fine when it came to taking my No claims with me if I move:banghead:

They provided me with a letter proving my no claims, however I have encountered the following

They will only provide a letter quoting 5 years max no claim.
Other insurance companies do not recognise no claims bonus from classic car type policies
Brokers & insurance companies will not use the central data base to check you have not had a claim.

Basically I am having to pay more because the no claims from classic is not recognised and my previous insurer will also only quote a max of five years no claims. This seems to me a scam on their behalf to increase premiums and deter one from moving to another insurance company.
:banghead::smt068:smt068

[Yanto]

Thought it was a bit smelly mate.....hence my earlier post, opting out and paying a little more...although I had to fork out for a tracker and the £50k is not guarantee value like CL.

[0836whimper]

Mmm - thought this might happen.
So 'keeping your no claims on file' means very little if no-one values it.

They all make up the no claims process as they go along, needs regulating really.

As far as I can tell protected no claims and retaining it if an uninsured driver hits you, all that stuff has no real universal recognition really either. I am not even sure what this central database is and who looks after it.

Only hope is to insure via other family members. And if you can't I wouldn't use Classicline.

[Stumpy]

Suppose it books down to the agreed value then.
I could save £60 by going elsewhere, but that's not a large enough margin in my opinion.

[Trawler]

Your old no claims bonus is only valid if you renew within two years. That's what I was told talking to brokers.

Had my fill with insurance companies. Wife's policy went up by nearly £200 because someone hit her while stationary and the third party has not admitted liability hence there is still a claim against her name. We did not have to pay the excess as her insurance company is holding the other party 100% responsible, but they will not accept a no claim when renewing her policy.

[CraigMillwardCroft]

Agreed value 42k on mine with CL,85k miles :blalalala:

Where do you get a value from :thumbs:

[Trawler]

Where do you get a value from :thumbs:

He picked a number out of the air. :hahaha:

I came up with a value then classic line checked & agreed

[CraigMillwardCroft]

Spoke to them this morning they do not give track day cover, you have to be a BMW member and they want £200 for each track day including Europe so did not continue with the quote stick to CCi with track day cover :thumbs:

[0836whimper]

BMW club track days are free with CL, other ones are £50 each

[Yanto]

Spoke to them this morning they do not give track day cover, you have to be a BMW member and they want £200 for each track day including Europe so did not continue with the quote stick to CCi with track day cover :thumbs:

Where the smart money goes imo

[Bounce]

Spoke to them this morning they do not give track day cover, you have to be a BMW member and they want £200 for each track day including Europe so did not continue with the quote stick to CCi with track day cover :thumbs:I have track day cover with CL,just don't get a chance to use it :bigcry:

[Yanto]

I have track day cover with CL,just don't get a chance to use it :bigcry:

Don't make me reach for that thumb image again....

[Bounce]

Don't make me reach for that thumb image again....:bigcry::bigcry:

[cslsuperfan]

I have track day cover with CL,just don't get a chance to use it :bigcry:


Spa in August Brett??

There's a mini gathering developing!!

[Scott]

Spa in August Brett??

There's a mini gathering developing!!

When are you going to Spa?

[Yanto]

Spa in August Brett??

There's a mini gathering developing!!

Fancy this, who's it with Ben ?

[CraigMillwardCroft]

Spa in August Brett??

There's a mini gathering developing!!

What date is this as there on 4th/5th Aug :thumbs: