Peter James Insurance price hike

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Lotus-e-Clan
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Re: Peter James Insurance price hike

Post by Lotus-e-Clan »

Hawaiis0 wrote:
Mon Nov 16, 2020 22:13
Lotus-e-Clan wrote:
Mon Nov 16, 2020 22:05
...if i ever fell on hard times I know which car would be the last to go! :lol:
After the wife of course :)
Ah yes. But her pensions are just coming in so I need her like I've never done before! :wink:

Oh yes another weird one ... Adrian Flux's asked how much mileage I wanted on EACH car (separate policies remember).
So I said 'errrmmm.... 1500 Clan, 3000 Lotus and 4000 for Camper.' ...
  • 'Just hold-on' she said .....
    'It seems you did 6000 miles in the Lotus last year and 4000 mile in the Clan' she said!
    'How do you know' I said.
    'It's online' she said.
    'NOT true' I said!
    'Just doing my job!' she said
    'BUT it's NOT true' I said!
So I looked up the MOT record for each and sure enough there was 6000 miles between the last two MOTs for the Lotus and 4000 miles between the last two MOTs for the Clan!

EXCEPT ...for the Lotus the last two MOTs were 2016 and 2019 (it was off the road during 2017/18 when I did the clutch and flywheel))
and for the Clan it's not needed a MOT for years (Historic), so clearly she had not looked at the dates!!!! (and in any case both were on UNLIMITED mileage under Peter James' policy)

But the point is BEWARE! The new online MOT records are being used to check if you have gone over any LIMITED mileage policies you have.
And if you do exceed the mileage then technically you're effectively uninsured - PLOD might catch-on-to that too!! :?
Peter K

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Alan_M
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Re: Peter James Insurance price hike

Post by Alan_M »

I’m watching this with interest as I have both my Lotus with Peter James on one policy which was renewed in August. At that time they were the cheapest and my policy has unlimited mileage via Club Lotus membership.

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Lotus-e-Clan
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Re: Peter James Insurance price hike

Post by Lotus-e-Clan »

Alan_M wrote:
Tue Nov 17, 2020 10:46
I’m watching this with interest as I have both my Lotus with Peter James on one policy which was renewed in August. At that time they were the cheapest and my policy has unlimited mileage via Club Lotus membership.
Maybe because my 3 vehicles are able to be categorised within different specialist contexts then having one underwriter for all three is disadvantageous. For example, the camper underwriter is now a motorhome specialist, the Clan can be called a kit-car so its underwriter is now a kit-car specialist, and the Lotus is still a Lotus! So that also explains why I was told that (only) for the Lotus, I must remain a club member as a policy condition (I've been a Club Lotus member since the 80's).

So one policy underwriter for two similar Lotus would makes sense for you.

One other drag with having the 3 policies ...I had to pay separately for each - therefore I read my debit card number 3 times over the phone cos she said she couldn't (wasn't allowed to ) remember it! :shock:
Peter K

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Lotus-e-Clan
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Re: Peter James Insurance price hike

Post by Lotus-e-Clan »

Oh and another thought!

She tried really hard to encourage me to upgrade the standard 3rd party cover enabling me to drive anybody's car, to fully comprehensive to a max value of £20,000, for an extra £25 on the premium.

I declined.

But it does raise the question why there isn't a universal insurance policy to cover the person (similarly limited in value) to drive any car -and scrap the policy per car stuff! :?
Peter K

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Hawaiis0
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Re: Peter James Insurance price hike

Post by Hawaiis0 »

Two speedos might help
Umm! What to do next?

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Hawaiis0
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Re: Peter James Insurance price hike

Post by Hawaiis0 »

Lotus-e-Clan wrote:
Tue Nov 17, 2020 12:53
...

But it does raise the question why there isn't a universal insurance policy to cover the person (similarly limited in value) to drive any car -and scrap the policy per car stuff! :?
Interesting comment. Whilst serving Aunty Betty overseas, I was required to take out local German insurance, and that was set against the driver not the vehicle. So once insured, you drive anything and you are covered. Plus if you prang a friends car whilst driving you are paying, not him.

It's a rip off Britain Scam to force multiple policies for the the cars you dont drive, whilst only driving one at a time.

Again, whilst overseas, I cancelled the insurance on the car left on the UK drive taxed but unattended and got £90 fine for an uninsured motor.
Umm! What to do next?

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