trigolf Posted December 28, 2017 Report Share Posted December 28, 2017 Hi all, I have just received my insurance renewal quote from FJ. It's gone up again - from £234.32 to £261.12. This is for a Vit 2 litre convertible, with agreed value, unlimited mileage, kept in garage off road etc. It also includes RAC roadside recovery, onward travel and European motoring assistance, legal protection etc. I might be out of touch with current premiums etc, but I wonder if this represents value for money based on the following facts : I rarely manage to exceed 1 thousand miles per year now. I already have RAC roadside recovery etc.to cover my modern car. I live only two miles from my place of work, so don't bother using the Vit - as it's a main road and very congested, especially in summer. I've used FJ for many years now - as they point out in their letter - but they don't seem to acknowledge that fact by offering me a discount for instance. To cap it all they are charging me £15.00 as an arrangement fee ! Am I being unreasonable ? Link to comment Share on other sites More sharing options...
dougbgt6 Posted December 28, 2017 Report Share Posted December 28, 2017 Try Peter James, my GT6 was £80 odd, similar cover, but no European stuff and my agreed value is not as high as it should be. Doug Link to comment Share on other sites More sharing options...
AidanT Posted December 28, 2017 Report Share Posted December 28, 2017 I'm with Peter James to. 98 quid with European and UK cover and unlimited mileage but this was May 17 so expecting it to be just over the 100 pound mark in 18 I'd tell FJ where to get off Aidan Link to comment Share on other sites More sharing options...
Paul H Posted December 28, 2017 Report Share Posted December 28, 2017 Im with Carole Nash for my mk2 vitesse saloon. 3k per year .garaged. european and uk recovery . Agreed value with submitted photos .£130 pa Paul Link to comment Share on other sites More sharing options...
Guest Posted December 28, 2017 Report Share Posted December 28, 2017 44 minutes ago, trigolf said: I've used FJ for many years now - as they point out in their letter - but they don't seem to acknowledge that fact by offering me a discount for instance. To cap it all they are charging me £15.00 as an arrangement fee ! If you think that financial institutions are bothered about customer loyalty then I regret to inform you that is no longer the case - you are merely a policy number, nothing more. Sounds harsh I accept, but that is reality. I was with Carole Nash and found them to be fine as a broker, however the price did creep slightly each year for both my classics. As such swapped to PJ as mentioned above and their price structure is excellent - £98 for the Vitesse and with the Alpine bolted on as an additional classic they only charged another £65 despite the high value of the Alpine. The policy is identical for both cars along with fully comprehensive breakdown recovery, unlimited mileage. Additionally I took advantage of the TSSC AIV scheme via PJ, of which I was not charged extra for the agreed value. So in answer to your question, you are not being unreasonable but it is most certainly time to move on IMHO. Good luck. Richard. Link to comment Share on other sites More sharing options...
trigolf Posted December 28, 2017 Author Report Share Posted December 28, 2017 Ok, thanks everyone. Some very informative info there.....I think I'll make some enquiries... Gav. Link to comment Share on other sites More sharing options...
Pete Lewis Posted December 28, 2017 Report Share Posted December 28, 2017 Amd its always best to phone rather than on pre scripted online enquiries Pete Link to comment Share on other sites More sharing options...
thescrapman Posted December 30, 2017 Report Share Posted December 30, 2017 FJ have share holders to keep happy, that may help you work out why their premiums may be higher. I tired of them doubling my premiums every year then me negotiating the increase back to about 10% so I moved to PJ. Link to comment Share on other sites More sharing options...
hugh Posted December 31, 2017 Report Share Posted December 31, 2017 Have a multi vehicle policy with PJ which has a 1972 panelcraft 4 door range rover (unique), a rover 45tdi and an mg zs180, (no triumph at the moment), costs me £625 a year you are all getting away cheap Link to comment Share on other sites More sharing options...
Pete Lewis Posted December 31, 2017 Report Share Posted December 31, 2017 Post codes have a big effect on risk/prices i pay PJ 640 for the 15 plate Grande Picasso and the 2000 all unlimited ,euro rescue , breakdown, protectedNCD thats in LU3 if i moved to the contryside it would halve it. Pete Link to comment Share on other sites More sharing options...
AndyTV8 Posted December 31, 2017 Report Share Posted December 31, 2017 Quite right Pete, many forget the effect of postcodes and concentrate purely on the car/age/value/mileage, once the policy-proposer is over-25 postcodes have the single biggest effect on premiums. (I’m assuming they don’t have numerous arson convictions as well!!) Link to comment Share on other sites More sharing options...
hugh Posted January 1, 2018 Report Share Posted January 1, 2018 But i have one of the cheapest postcodes in the country, but I suppose it is for 3 cars, Link to comment Share on other sites More sharing options...
dougbgt6 Posted January 1, 2018 Report Share Posted January 1, 2018 On 31/12/2017 at 8:34 AM, hugh said: 1972 panelcraft 4 door range rover (unique) Hugh, I think the word "unique" would strike fear and trembling into any insurer! Doug Link to comment Share on other sites More sharing options...
Gully Posted January 1, 2018 Report Share Posted January 1, 2018 The other key factor is access to a garage. I found last year after my agreed value increased that Peter James was considerably more interested in the security of my car port! Apparently (for them) there is a £15k AV tipping point beyond which you are expected to have a garage. Gully Link to comment Share on other sites More sharing options...
AndyCrews Posted January 1, 2018 Report Share Posted January 1, 2018 My PJ policy for my Spitfire (AV £7.5k) says that it HAS to be in garage if at home between 10pm and 6am. Andy Link to comment Share on other sites More sharing options...
AndyTV8 Posted January 1, 2018 Report Share Posted January 1, 2018 The last time I spoke with PJ on the subject about 3 years ago) they would only honour the agreed-value part of the insurance if the vehicle was over £15k if it was garaged overnight. Only the agreed-value part of the policy was inactive if ungaraged during the overnight period. As always, please check with the insurer/broker to be sure, and get anything you may need to refer back to in writing - ‘I read it on the internet’ isn’t going to help if you are in dispute. Link to comment Share on other sites More sharing options...
AndyTV8 Posted January 1, 2018 Report Share Posted January 1, 2018 4 hours ago, AndyCrews said: My PJ policy for my Spitfire (AV £7.5k) says that it HAS to be in garage if at home between 10pm and 6am. Andy If you stated in your proposal that the car would be garaged overnight then that clause will apply.... given your AV, you could state that your car is is not garaged and they would (at least in the past) honour you AV if the worst happened - but your annual premium may be a little higher for stating it isn’t garaged overnight. for some folk, that may be the better approach - all down to personal circumstance Link to comment Share on other sites More sharing options...
trigolf Posted January 3, 2018 Author Report Share Posted January 3, 2018 Hi all, I spoke to FJ and got the AVI premium down to £180.00, if I did away with the the breakdown cover/ European cover and put a mileage limit of 1500 miles a year on it . I then got an AVI quote from PJ which included breakdown cover/ European cover etc AND unlimited mileage all for £98.00. Result - thanks everyone ! Gav 1 Link to comment Share on other sites More sharing options...
Clive Posted January 3, 2018 Report Share Posted January 3, 2018 I really think FJ are no longer interested in classics.....where as PJ are real supporters. Link to comment Share on other sites More sharing options...
thescrapman Posted January 4, 2018 Report Share Posted January 4, 2018 On 01/01/2018 at 1:50 PM, hugh said: But i have one of the cheapest postcodes in the country, but I suppose it is for 3 cars, I am in a fairly low postcode and have 8 cars for my £450. But I am 50 so pretty old. Link to comment Share on other sites More sharing options...
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