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    Oct 12, 2004 1:23:10 PM

    robbo
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    robbo
    Loc: essex, uk
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    strange insurance quotes for 997s in uk

    Hi guys i am awaiting my 997s, so i am in the process of trying to find the best insurance quote for me(36 year old male with clean licence and 12years no claims discount,living in a quiet area 30 miles outside London.)This is to be my first Porsche and have been rather suprised by the difficulty in getting insurance at a reasonable price.Many large insurance companies i have phoned have said thy dont insure cars over the value of Pounds50,000,while others have said they will insure me at a price, but the car must have a tracker fitted.I dont know if its because the 997s has a bigger engine than a gt3 but two companies i have phoned wanted Pounds1500 fully comrehensive insurance for a 997s yet they would insure me on a 996gt3 or turbo for Pounds1100 Can anyone explain this bullshit and for all you uk guys, who are you insured with?

    Oct 12, 2004 1:44:36 PM

    Seven
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    Seven
    Loc: Zurich, Switzerland
    Posts: 210, Gallery
    Registered on: Jul 21, 2004
    Reply to: robbo

    Re: strange insurance quotes for 997s in uk

    I don't think that's a lot for a comprehensive cover. In Switzerland I have to pay about the same. Including Parkschaden (which pays for damage caused when your car is parked somewhere) you pay even more. At least here you can have a change_over_plate. You put the plate on the car you drive (of course only one at a time) and you only pay for one car (of course the more expensive, max. of 3).

    Would be interesting to compare the different countries.

    Sorry robbo! That doesn't help you at all. Just good to see you are not alone.

    Oct 12, 2004 2:19:16 PM

    senator
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    senator
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    Reply to: Seven

    Re: strange insurance quotes for 997s in uk

    My 997 is due in January and I haven't sorted the insurance yet, but having had similar problems with my old 996s I now deal through a broker called Peart Associates

    http://www.peart.co.uk/

    These guys managed to get me a far more reasonable quote when others said as they did to you either no quote over Pounds50k value or ridiculous premiums.

    HOWEVER, I don't think that the quote you've had is too unreasonable. I live in Notting Hill and despite having a locked and patrolled garage will be pleased to get away with around Pounds2,000 a year despite being mid-30s and having a full no claims and a clean licence.

    I can imagine I could end up parting with the best part of Pounds3000 for cover.

    As for the 996 being cheaper I think that probably represents a reasonable premium for the desireability factor in terms of theft and the fact that on initial production runs parts availability in crash situations makes repair and incidental costs more expensive.

    Oct 12, 2004 5:56:52 PM

    Ando
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    Ando
    Loc: London, England.
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    Registered on: May 11, 2004
    Reply to: robbo

    Re: strange insurance quotes for 997s in uk

    Robbo,
    My 997S is due in the next three weeks from Chiswick and I too have been calling around on the insurance trail!
    With my previous 996 and my Boxsters before that I was with Liverpool/Victoria. I used to be with Privilege but L/V beat them easily one year.
    I am in a similar position to you, I live in Herts. about 15 miles from London, the car is kept in an alarmed garage but I am 42 (that might help a bit) and advanced driver trained with the police (some companies give a bit for that), i have max NCD. You are right about the Pounds50k thing, 80% of companies don't want to know straight away.
    Privilege wanted Pounds950 with Pounds700 xs and insisted on Tracker.
    L/V wanted Pounds1055 with Pounds500 xs (their maximum) but don't want Tracker at all. Obviously Tracker is going to cost over Pounds300 to fit, then maintainance of course. It may be that I still get Tracker installed anyway but thats another debate)
    Both companies had problems finding the 997 on their systems (this was 2 weeks ago) but both quotes are guaranteed for 60 days.
    From what I remember L/V have a good policy aswell so I'll probably go with them.
    Try both, good luck and let us know how you get on!
    Andy

    Oct 12, 2004 6:31:19 PM

    Ando
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    Ando
    Loc: London, England.
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    Reply to: robbo

    Re: strange insurance quotes for 997s in uk

    Further to the above; both companies said that when I had an actual registration for the car the quote may come down a bit, they should have the car on the system by then!
    Have you guys specc'd the phone? Don't know whether you saw my recent post but I'm trying to get round to requirement for swapping the sim card around all the time?? Limited options at the moment, looks like going for a cheap 'pay as you go' and diverting calls at the moment, not ideal when you need to make lots of calls!

    Oct 12, 2004 7:22:37 PM

    robbo
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    robbo
    Loc: essex, uk
    Posts: 319, Gallery
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    Reply to: Ando

    Re: strange insurance quotes for 997s in uk

    Cheers for responses guys ,Ando thanks for your help will certainly try your suggestion tomorrow. I have ordered the phone and am basically gonna order a "pay as you go" sim too unless 02 will sought me out a second sim,i still have till december so will wait and see.Thanks again

    Oct 13, 2004 8:40:39 AM

    JohnA
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    JohnA
    Loc: Durham, UK , United Kingdom
    Posts: 264, Gallery
    Registered on: May 13, 2004
    Reply to: robbo

    Re: strange insurance quotes for 997s in uk

    Thanks for the pointers about insurance companies, I am on Pounds957 with privilege with a Protected no claims(Only Pounds100 more than my XK8 Cab with Churchill), but Liverpool Vic will not quote since they do not have the car on their system yet, still waiting for Peart to get back to me.

    Oct 13, 2004 9:02:18 AM

    dreamcar
    Rennteam VIP
    dreamcar
    Loc: Hampshire , United Kingdom
    Posts: 8797, Gallery
    Registered on: Apr 19, 2004
    Reply to: robbo

    Re: strange insurance quotes for 997s in uk

    Will any of these companies give a NCD on more than one car?
    Zurich will but their initial, albeit indicative quote is silly money. Also, we have had a couple of non-fault accidents, all sorted, excess refunded by third parties but they tell me that that still counts against? Any more than two NON-FAULT claims in 5 years and they won't entertain a group 20 car?

    Oct 13, 2004 9:04:46 AM

    Ed J
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    Ed J
    Loc: London
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    Registered on: Aug 4, 2004
    Reply to: dreamcar

    Re: strange insurance quotes for 997s in uk

    I live in London and have been trying to get a garage in which to put the 997. However, when I phoned my insurance company (Egg) to ask them how much this would reduce my premium (currently estimated to be around Pounds2k) they said that it would reduce it by Pounds16!!! How ridiculous is that?

    Oct 13, 2004 9:13:35 AM

    Rich C (UK)
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    Rich C (UK)
    Loc: Mortimer, UK
    Posts: 1098, Gallery
    Registered on: Jul 11, 2004
    Reply to: Ed J

    Re: strange insurance quotes for 997s in uk

    Have found Tesco's to be very competitive - was thinking along the 911 lines a couple of times os got a couple of quotes before deciding on going for the Boxster again. Cover seems good (had it before but never needed to use it (thank god)) although they do insist on Tracker - had the Monitor on my old Boxster but for a friends CLK AMG they insisted on the Horizon system. But thy were so much cheaper than anyone else that it made financial sense too despite the tracker.

    Oct 13, 2004 9:30:40 AM

    senator
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    senator
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    Reply to: robbo

    Re: strange insurance quotes for 997s in uk

    Quote:
    robbo said:
    Cheers for responses guys ,Ando thanks for your help will certainly try your suggestion tomorrow. I have ordered the phone and am basically gonna order a "pay as you go" sim too unless 02 will sought me out a second sim,i still have till december so will wait and see.Thanks again



    Robbo

    I have a Vodafone dual sim, which gives me two sim cards on the same line although I've heard that they're not giving these out anymore. My problem is that actually when the 997 arrives I will need 3 as my X5 has the professional phone kit which needs a sim card, so will the 997 and I need a mobile. It becomes ridiculous. I don't understand why Porsche can't do a bluetooth kit like everyone else.

    Oct 13, 2004 9:55:06 AM

    dreamcar
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    dreamcar
    Loc: Hampshire , United Kingdom
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    Registered on: Apr 19, 2004
    Reply to: senator

    Re: strange insurance quotes for 997s in uk

    Quote:
    senator said:
    Quote:
    robbo said:
    Cheers for responses guys ,Ando thanks for your help will certainly try your suggestion tomorrow. I have ordered the phone and am basically gonna order a "pay as you go" sim too unless 02 will sought me out a second sim,i still have till december so will wait and see.Thanks again



    Robbo

    I have a Vodafone dual sim, which gives me two sim cards on the same line although I've heard that they're not giving these out anymore. My problem is that actually when the 997 arrives I will need 3 as my X5 has the professional phone kit which needs a sim card, so will the 997 and I need a mobile. It becomes ridiculous. I don't understand why Porsche can't do a bluetooth kit like everyone else.



    Pounds550 seems a shed load of money for the "telephone module". Why do you go for it?

    Oct 13, 2004 10:56:58 AM

    robbo
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    robbo
    Loc: essex, uk
    Posts: 319, Gallery
    Registered on: Aug 11, 2004
    Reply to: dreamcar

    Re: strange insurance quotes for 997s in uk

    Hi Dreamcar went for the phone as think its something people expect in aPounds70,000 car these days,i will also use it myself .I ordered Nav too(again something people now expect) so i think the phone ties in nicely with it on the central display screen.With regards to the sim cards it really is a pain that phone companies will not send second or even third sims(Senator ) out readily.
    Insurance companies that i have had best quotes from are Norwich Union direct,First Alternative and Privelege.

    Oct 13, 2004 11:19:19 AM

    dreamcar
    Rennteam VIP
    dreamcar
    Loc: Hampshire , United Kingdom
    Posts: 8797, Gallery
    Registered on: Apr 19, 2004
    Reply to: robbo

    Re: strange insurance quotes for 997s in uk

    I am having navigation in the Boxster but as I have very limited phone use in the car I probably won't have the telephone module. Mildly annoying that various buttons on the PCM won't work, I suppose. I agree with you that nav is becoming more and more expected these days, possibly more so in the 997 than the Boxster, especially when Renault, Toyota etc offer it as standard in some Laguna's and Avensis.
    On insurance I will certainly be shopping around, Zurich don't seem to be into high group cars. Not a high demand in Bangalore

    Oct 13, 2004 2:18:08 PM

    JohnA
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    JohnA
    Loc: Durham, UK , United Kingdom
    Posts: 264, Gallery
    Registered on: May 13, 2004
    Reply to: dreamcar

    Re: strange insurance quotes for 997s in uk

    I have just had a day on insurance, but since I reckon to have saved Pounds500 it is well spent, beating Churchill by Pounds500, Tesco by over Pounds200, and Priviledge by Pounds100, the winner is Peart (the brokers which were recommended by Senator -Thanks ) Pounds932 for me (Everybody wants a tracker and not just the basic model either!).

    Oct 13, 2004 2:36:39 PM

    dreamcar
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    dreamcar
    Loc: Hampshire , United Kingdom
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    Registered on: Apr 19, 2004
    Reply to: JohnA

    Re: strange insurance quotes for 997s in uk

    Thanks for the info. I will use your list when the time comes. Zurich's initial quote, albeit indicative, was Pounds1,200 for a Boxster "s" value Pounds47k. 6000 miles/yr, garaged, myself and wife, max NCD, no fault claims, 2 non-fault. Protected NCD + legal cover. Low risk area. And they also cover my car, my wife's car, home and contents. Boxster would be additional car.

    Oct 13, 2004 3:05:12 PM

    robbo
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    robbo
    Loc: essex, uk
    Posts: 319, Gallery
    Registered on: Aug 11, 2004
    Reply to: dreamcar

    Re: strange insurance quotes for 997s in uk

    Hi guys just phoned Norwich Union Direct,and they made me happy Pounds1125 fully comp,but Pounds700 excess,but NO tracker required(just thatcham 1 alarm /immobilizer required)which i presume is standard on the 997s.Speaking on the phone to the lady and i said you sound distant and she said "yes we are based in India now "

    Oct 13, 2004 3:46:56 PM

    Rich C (UK)
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    Rich C (UK)
    Loc: Mortimer, UK
    Posts: 1098, Gallery
    Registered on: Jul 11, 2004
    Reply to: dreamcar

    Re: strange insurance quotes for 997s in uk

    Quote:
    dreamcar said:
    Thanks for the info. I will use your list when the time comes. Zurich's initial quote, albeit indicative, was Pounds1,200 for a Boxster "s" value Pounds47k. 6000 miles/yr, garaged, myself and wife, max NCD, no fault claims, 2 non-fault. Protected NCD + legal cover. Low risk area. And they also cover my car, my wife's car, home and contents. Boxster would be additional car.



    Only 6000 miles a year!!!! Got to get the car out more than that when you get it!!!

    Oct 13, 2004 6:23:23 PM

    dreamcar
    Rennteam VIP
    dreamcar
    Loc: Hampshire , United Kingdom
    Posts: 8797, Gallery
    Registered on: Apr 19, 2004
    Reply to: Rich C (UK)

    Re: strange insurance quotes for 997s in uk

    Quote:
    Rich C (UK) said:
    Quote:
    dreamcar said:
    Thanks for the info. I will use your list when the time comes. Zurich's initial quote, albeit indicative, was Pounds1,200 for a Boxster "s" value Pounds47k. 6000 miles/yr, garaged, myself and wife, max NCD, no fault claims, 2 non-fault. Protected NCD + legal cover. Low risk area. And they also cover my car, my wife's car, home and contents. Boxster would be additional car.



    Only 6000 miles a year!!!! Got to get the car out more than that when you get it!!!



    Hopefully Rich! But will not be a work car either for my wife or me, so no commmuting mileage. Turning up in a shipyard with such a toy would get some unwanted negative vibes - particularly when I am not a senior member of staff there. And then there is the rush hour grind into Southampton! Plan to do some touring in it, starting with Yorkshire in June. Some weekends away as well. Hopefully when a few of us "Rennteamers" get our cars we can arrange some social meets. And there is always the Owners Club. I will start with 6,000 miles can always adjust later.

    Oct 13, 2004 10:28:40 PM

    Nilesh
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    Nilesh
    Loc: London, UK
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    Registered on: Jun 23, 2004
    Reply to: dreamcar

    Re: strange insurance quotes for 997s in uk

    anyone tried elephant.co.uk?
    i think on a car like this you are always going to be looking at a Pounds1000 to Pounds2500 quote!

    Oct 13, 2004 10:48:42 PM

    vtrader
    Veteran
    vtrader
    Loc: Los Angeles
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    Registered on: Jun 6, 2004
    Reply to: robbo

    Re: strange insurance quotes for 997s in uk

    For those that do not live in England, what is a tracker?

    Oct 14, 2004 3:38:38 AM

    DD694
    Co-Pilot
    DD694
    Loc: SoCalifornia, USA
    Posts: 281, Gallery
    Registered on: Jul 16, 2004
    Reply to: vtrader

    Re: strange insurance quotes for 997s in uk

    Like LoJack.

    Oct 14, 2004 12:06:55 PM

    stone
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    stone
    Loc: Taunton, UK
    Posts: 216, Gallery
    Registered on: Aug 13, 2004
    Reply to: DD694

    Re: strange insurance quotes for 997s in uk

    I am surprised that nobody has mentioned porsche insurance, who I found to be good as they quoted Pounds1200 for both me and the wife ( and yes -just in case we at a party ! ) and I also have a few points on the licence from low speed camers before I got a snooper - - no alarm needed either

    Oct 14, 2004 12:17:36 PM

    Ando
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    Ando
    Loc: London, England.
    Posts: 99, Gallery
    Registered on: May 11, 2004
    Reply to: Ed J

    Re: strange insurance quotes for 997s in uk

    Quote:
    Raven said:
    I live in London and have been trying to get a garage in which to put the 997. However, when I phoned my insurance company (Egg) to ask them how much this would reduce my premium (currently estimated to be around Pounds2k) they said that it would reduce it by Pounds16!!! How ridiculous is that?



    That is BONKERS!!

    Oct 14, 2004 4:15:01 PM

    Ando
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    Ando
    Loc: London, England.
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    Registered on: May 11, 2004
    Reply to: robbo

    Re: strange insurance quotes for 997s in uk

    Quote:
    robbo said:
    Hi Dreamcar went for the phone as think its something people expect in aPounds70,000 car these days,i will also use it myself .I ordered Nav too(again something people now expect) so i think the phone ties in nicely with it on the central display screen.With regards to the sim cards it really is a pain that phone companies will not send second or even third sims(Senator ) out readily.
    Insurance companies that i have had best quotes from are Norwich Union direct,First Alternative and Privelege.


    Absolutely right Robbo. People do do expect phone and nav in 911's. I sold my previous 996 cab in August to make way for the 997 and I had problems because it didn't have nav & phone, loads of people didn't even come to see it because of that despite it being an immaculate, low mileage and (otherwise) well spec'd car. In my previous experience with Boxsters people aren't really bothered and this is reflected in the price difference between those with and those without at Porsche dealers.

    Oct 16, 2004 2:15:06 PM

    Prashan
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    Prashan
    Loc: London, UK
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    Registered on: Jun 28, 2004
    Reply to: Ando

    Re: strange insurance quotes for 997s in uk

    Guys

    Try ATS Insurance 0870 024 2464 - they've quoted Pounds1200 for me - I live in Herts, car will be garaged, 33 years old, full no claims but speeding conviction.. so not too bad... will try Peart though as well.

    Rgds
    Prashan

    C2S Due March 2005.
    Seal Grey/Ocean Blue

    Oct 16, 2004 7:01:28 PM

    Ando
    Junior
    Ando
    Loc: London, England.
    Posts: 99, Gallery
    Registered on: May 11, 2004
    Reply to: Prashan

    Re: strange insurance quotes for 997s in uk

    Quote:
    Prashan said:
    Guys

    Try ATS Insurance 0870 024 2464 - they've quoted Pounds1200 for me - I live in Herts, car will be garaged, 33 years old, full no claims but speeding conviction.. so not too bad... will try Peart though as well.

    Rgds
    Prashan

    C2S Due March 2005.
    Seal Grey/Ocean Blue



    Not bad that Prashan, do they require Tracker?

    Oct 17, 2004 5:30:41 PM

    Prashan
    Co-Pilot
    Prashan
    Loc: London, UK
    Posts: 208, Gallery
    Registered on: Jun 28, 2004
    Reply to: Ando

    Re: strange insurance quotes for 997s in uk

    ATS are quite incosistent when it comes to Trackers - BMW 330Ci COnv in 2002, yes, they wanted a Tracker. The same car but a SPORT model in 2003, they didn't. I recently got a quote for a 1.8 SLK Merc and they wanted a Tracker... so, I have to assume Yes for the 997... but in March 2005, one never knows...


    Rgds
    Prashan

    Oct 17, 2004 6:51:33 PM

    stone
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    stone
    Loc: Taunton, UK
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    Registered on: Aug 13, 2004
    Reply to: Prashan

    Re: strange insurance quotes for 997s in uk

    Ando
    - please explain the thats BONKERS reply ? As the information is factul and true !!

    Oct 18, 2004 2:22:32 PM

    Ando
    Junior
    Ando
    Loc: London, England.
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    Registered on: May 11, 2004
    Reply to: stone

    Re: strange insurance quotes for 997s in uk

    Quote:
    stone said:
    Ando
    - please explain the thats BONKERS reply ? As the information is factul and true !!



    Im sure it is factual and true but I meant that it sounds crazy that the difference between having a garage and not in central London can only be Pounds16 pounds, one would have thought that the discount would have been significantly more if someone makes the effort to get their car off the street??

    PS I tried your Porsche Insurance recommendation (underwritten by Norwich Union) and they were about Pounds700 more than my best quote so far, worth a try though.
     
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