[Silversword]

Fellow UK drivers,

As per the title: Does anyone have any recommendations on decent insurers for a 718 (or indeed any Porsche)? I won't be putting a lot of miles on it (most likely under 7000/year) as it's a weekend car, but its my first true performance/prestige car and I am wary of some of the mainstream policies with their lack of agreed value, or insistence on their choice of repairer if something needs fixing.

Also in the same vein, any horror stories of companies to avoid?

 

[RotorOver]

I went with Leland-West after initially using my primary insurance and getting a quote from Haggerty as well. Leland-west beat Haggerty and was $600 a year cheaper than my primary insurance carrier. I went with 6000 miles a year to play it safe, but won’t drive that many. Keep in mind this is agreed value insurance as well, so much better protection and is based on actual drivers (just me in this case) not automatic coverage for all drivers in the household.

Just re-read you are UK based. Not sure if Leland West does business there, but I’d recommend similar agreed value insurance if you can find it.

 

[kmacuk]

Hi

We have standard ( Aviva, £280) insurance, however despite not being on pcp we still have 4 year back to invoice GAP, with £35k of shortfall cover. Cost is only £350 one off payment with discount code.

 

[Peter]

Every year I change to a new business quote as opposed to renewal quote. Through Compare the market.com or similar. I went with LV this year and Aviva last. If car over £70K they both insist on having tracker so you have to weigh up the £235 annual subscription for that. Admiral quote was without tracker and worked out about the same total cost. They don't insist on using their own repairer. The other two don't either except they add £200 extra to the excess if don't use theirs.

 

[Nosmo]

Aviva - Tracker required but otherwise reasonably priced. The suggestion to get on a price comparison site is sound

 

[Silversword]

Thanks guys. When I check Go Compare (quotes for the same car came out cheaper than Compare The Market - go figure...) Admiral come out as the best value, and Aviva I have heard good things about, so will see what they can do for me.

My car isn't over 70K and the tracker seems to be a waste of money in that I wont see close to £235 off my premium, and why would I want my car recovered after some scrote has over-revved it to bits?

 

[718Niko]

Have you all opted for a gap insurance?
I m with Admiral btw. It was the cheapest for my other car and i was getting a discount by adding a second one...

 

[Nosmo]

Maybe a random post although Insurance related. I wrote off a rear tyre recently and had to replace a set on the same axle as a consequence. I used ALA Insurance Link here. I paid £311 for 3 years of insurance and up to 5 claims. Max pay out per tyre is £150.

I made a claim which was approved with absolutely no hassle. Highly recommended if like me your tyres attract nails and other sharp objects incompatible with the integrity of the tyre.

 

[grasmere]

(UK only) other than kmacuk (Aviva £280), no one has said what their annual insurance is actually costing, savings mentioned. but no costs, I’ve just renewed mine as follows,

Now Age 66, max no claims, retired, 5k annual miles 2018 CS
Last year when still working and 10k miles LV cost was £460 inc commuting. (Already have 3 yr GAP alloy/tyre ins)
Last weeks renewal quote was £560
Checked through conf!sed.com for multi quotes Phoned LV expressed anger at 20+% increase and changed details to retired and 5k and got renewal modified to £397, saving £160 on one phone call with the same company!

So, any better options of company / annual cost out there? I don’t see any need for ‘specialist’ prestige insurance companies unless someone knows otherwise . . . Thanks

 

[Scubaregs]

Scotland, 56, full NCD. Aviva multi car £480pa 10,000 miles pa on both the 718 and a corsa DD, Fully comp. myself and Fiancée named drivers.

 

[Peter]

Similar predicament. 67, retired and under 5000 miles a year. Car is a 911 worth sub-£70K. Picked up 6 points last year (first this century) so LV renewal quote went up from £285 to £340. Haggled down to £323 with phone call. Not bad except they insist like last year on having the tracker which costs £235 a year to Vodafone. So £558 in total. All others like Admiral and Churchill were more than £700 without tracker and not much less with. Some like Aviva not interested in quoting online. However, Tesco quote (under-written by Aviva) through Confused.com is £439 and don't need tracker. So effectively I'm getting the tracker for £119 if I stick with LV. But do I want the tracker? It's a pain in the arse to make sure it's always with you.

 

[piran]

WAS: AVIVA last year (similar cost AFAIR) but they got greedy/greedier at the automatic renewal stage, needed human intervention (minus point in my book) - they would not back down despite me threatening to walk - recalled them with new SAGA quote - offered them a further opportunity to match, they declined, so walked as promised to SAGA

NOW: 718 Cayman GTS (2019 model) - Cornwall - 64yrs - full NCD - protected NCD - 9,000 miles per year (pre-lockdown) - SAGA £322 - named drivers: spouse & I (both retired) - SDP (social domestic & pleasure) - tracker required - must be garaged overnight 11pm - 7am when car at home - applied on-line with no human intervention (plus point in my book)

 

[Peter]

Yep, I was with Saga with my 2017 718S year before last, renewed with them in 2018 and a month later I swapped to a 2016 911 not much higher value as a year older. Astronomical addition to premium to change car on policy and cancellation charge was nearly the whole premium but I still had to cancel, forfeit 90% of the premium paid with nearly 11 months left to go. And then took out a new policy with LV for the 911 only very marginally more than the 718 had been with Saga. Not sure about Saga's business ethics. They portry themselves as the old person's friend when in fact they're just a private business like any other

 

[Scubaregs]

Aviva gave me a crap renewal and would not back down over the phone.
However.......I simply ran a new quote on their online site and got a far cheaper quote. When I accepted it I got a message to make sure I had the correct dates as I already had a policy to ensure they did not cross over.
So the website knew I was already insured with them, but was happy to supply a much cheaper quote and allow me to buy it.

 

[piran]

Agreed. Have been with both before. The renew algorithms worsen by successive consecutive year. Brand loyalty is non-existent. Their internal reward algorithms appear to perform more bullishly if a brand-switch can be achieved. Will remember that same-brand 'new' login trick for next year and for my other cars hereabouts. Never done it before as feared a downgrade due to multiple quotation attempts (eg that for creditworthy ratings or loans etc).