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Churchill car insurance renewal £743.68😳

LV exactly the same excesses etc £401.12

 

Churchill says it can’t match, come back  next year and it will give me a new customer discount 🙄- how about keeping your good customers and giving them the discount you know you can 😕.. 

Oh well thanks to good advice from here I’m £300 better off ✅ 

really is better to swap and change each year 

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Just swapped to LV myself after my previous 'modified specialist' insurer wanted over £700! Didn't even bother trying to knock it down, bye bye, my business now lost.

 

LV £400.60 including all mods, perfect!

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For me it's "Induction Kit" and "Engine Tuning" (which to me means a tuning box) covered on my policy. Full ECU remap tended to make a big jump in premium when I testing the prices when getting a quote....

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I didn’t have any mods apart from ghost and dash cams - front and back, but I do have a named driver with points for going too fast! And another names driver who got tail ended a few years ago - all adds to policy. And still a really good deal I’m happy. 

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It's a postcode lottery....me based in Manchester just did LV quote...56 yr old male..no accidents..no convictions...over 25 yrs no claims....full unblemished licence...protected NCB

 

and the quote for my mk7.5 = £709 and with the wife added as additional driver £604

 

WTF 😠😠😠

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9 minutes ago, AFLConsult said:

It's a postcode lottery....me based in Manchester just did LV quote...56 yr old male..no accidents..no convictions...over 25 yrs no claims....full unblemished licence...protected NCB

 

and the quote for my mk7.5 = £709 and with the wife added as additional driver £604

 

WTF 1f620.png1f620.png1f620.png

Add another person- seriously as I added more the price came down. Try it- I’ve got me plus 2 

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As you've said it really depends on the location and how well that insurers knows the postcode as to whether they feel the risk is low. Despite being a pain it's always worth phoning around each year, and a good thing now is insurers must tell you in the renewal what your last years premium was to compare

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Moved from Admiral due them wanting an extra £300 a year for 2 cars.

 

Got in touch with LV, the cost for my Golf R Hearse dropped to £220 quid.

 

total cost both cars about £500 including business insurance and other bits.

 

not bad for Wolverhampton drug dealing, armed robbery, multiple car thefts post code.

 

the entire insurance game is utter bollox.

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For me it's "Induction Kit" and "Engine Tuning" (which to me means a tuning box) covered on my policy. Full ECU remap tended to make a big jump in premium when I testing the prices when getting a quote....
This is interesting as LV told me they would not insure a tuning box so they refunded me the remainder of my premium when I changed insurer.

What did you put down for the tuning box? Remap?

Sent from my SM-A300FU using Tapatalk

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9 hours ago, Bridges said:

This is interesting as LV told me they would not insure a tuning box so they refunded me the remainder of my premium when I changed insurer.

What did you put down for the tuning box? Remap?

Sent from my SM-A300FU using Tapatalk
 

 

No, as it definitely isn't a remap.

The ECU isn't touched at all so I consider it "Engine Tuning" (which is clear as mud I know) from all of their modification options listed.

 

They made absolutely zero attempt to make me clarify what "Engine Tuning" I have done so as far as I am concerned it's declared.

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I’ve read conflicting reports about LV and mods. 

When I had my 300bhp Type R I was with Greenlight but it was covered by LV. Don’t know if I try them come renewal or Sky insurance for the ability to modify. It’s a real shame Greenlight don’t cover anything over £20k. They were a great company for mods. 

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This is interesting as LV told me they would not insure a tuning box so they refunded me the remainder of my premium when I changed insurer.

What did you put down for the tuning box? Remap?

Sent from my SM-A300FU using Tapatalk

I had a tuning box declared and covered on my Jag with LV along with lowering, aftermarket exhaust & wheels and tinting I think they said up to 5 modifications were covered.
Only thing added to the R so far is spacers and they said they didn't count just made a note on my policy that I've added them

Sent from my SM-G935F using Tapatalk

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