insurance renewal refused

[checkrail]

Heritage brokers cannot renew my insurance with Kinetic because my Plus 2 is my only car, I do not have the use of an 'Everyday Vehicle'. They cannot quote with any other company.
I had this problem a few years ago and after many 'phone calls came up with KInetic, I'm in my late 70's and been with Heritage years and years and always had a classic.
Called Peter James and got insured with no problems for almost the same cost as last year..

Interested to know if anyone else has had this silly situation Thanks John

[mark030358]

Try classicline insurance...

cheers
Mark

[UAB807F]

I think the problem is that it's your only car, at that point they expect you to use it daily, or at least whenever you want to go somewhere.

We're similar ages and I don't drive anything like I used to do, Tesco delivers, the Internet sells most stuff I can't get from walking distance, etc, but I bet that was their reasoning.

Brian

[h20hamelan]

I insure a 50cc motorbike (now electric) as my daily. £70/yr.

[Frogelan]

I'm sure if I got into detailed discussions with my insurer, I would have a similar issue. However, here in France, insurers are reconsidering this issue as many townies no longer have cars and indeed, the insurers wish to be seen as modern thoughtful citizens.

As I commute by train/metro and hardly ever used my "modern" I decided to follow the advice of Brian Buckland along the lines of "sell this, sell that". The amount of time and money saved is tremendous...and it is invested in 26/4022.

I'm no fan of deliveries (except if something cumbersome is needed for the domestic goddess) and keep fit by doing all my shopping with my trusty 1982 Holdsworth bicycle and Ortlieb bags.

[checkrail]

Brian, I presume then that your insurance company have your Lotus as your only vehicle.
Are you also with Peter James?
John

[UAB807F]

Brian, I presume then that your insurance company have your Lotus as your only vehicle.
Are you also with Peter James?
John

I'm with Heritage for the Elan & Europa and that's all they have but I also have a Cayman with Directline as my "daily". Which is rather silly because it does very little mileage these days, probably less than the combined Lotus, but it ticks the box they need.

I'm also a named driver on the wife's car which I think ticks their "not your only car" thing.

I can understand the reasoning if there's an unlimited mileage on the classic policy but if you've opted for a restricted mileage policy then I don't see how having another car makes any difference. If you've paid for 3k, 5k or whatever then that's what the risk should cover ?

Brian

[mbell]

If you've paid for 3k, 5k or whatever then that's what the risk should cover ?

They'd probably argue there different risk per mile.... a Sunday drive in the classic is probably seen as lower risk than commuting to work in rush hour traffic or going to the supermarket and parking in busy car park etc. If you have a daily car your likely to use it for those high risk trips most of the time, reducing the overall risk for them and allowing them to charge a lower premium.

[cliveyboy]

When I was younger I always had a classic as my only car.
Some of the (upmarket) Classic car insurers will happily insure your £1M car collection, but not your £10K classic if its your only car. Its just not the market they want.
You need to ask some of the other Classic car insurers as they specialise in different parts of the classic market such as young drivers, modified, only car etc.
I have had classics and performance cars from an early age and always got insurance. Its just down to asking the company that likes a specific type of customer or vehicle. My 3 vehicles are all insured with different companies because they are 3 very different cars.
Clive