The Lotus Grand Tourers

It's insurance renewal time again so I've just had a new valuation carried out by Club Lotus - £14500, which I was very happy with.

My current insurer, RH, want to put my 3000 mile agreed value premium up to £203 and wouldn't budge on it. I've had a couple of cheaper quotes than that, with the cheapest being Peter Best at £94...

Too good to be true? Has anyone ever had any experience of claiming with them - price isn't the only thing to consider with insurance, of course. Are there any other recommendations not just for good price, but good service too?

Many thanks....

Recently renewed mine with footmanjames, the basic premium wasnt far over £100 but by the time I added legal protection, agreed value, salvage retention etc it ended at over £200. Sorry cant remember exact sums but I suppose it depends whats covered.
Bash

RH put my insurance up 40% last year (£100 to £140 )

Swapped to lancaster and got the elite done for £110

Recently renewed mine with footmanjames, the basic premium wasnt far over £100 but by the time I added legal protection, agreed value, salvage retention etc it ended at over £200. Sorry cant remember exact sums but I suppose it depends whats covered.
Bash
I think I need to get mine revalued, its currently at £10k, perhaps the thread 'value your excel if you dare' should be resurrected with more current values, prices have gone up.
Sorry, this has partly double posted, no idea why.

Off topic alert!!

Nice avatar Stu!!

Pete

Pete Boole wrote: Mon May 16, 2022 18:55

Nice avatar Stu!!

Pete

Just need Bash's daughter to do a proper job with it

If you’re a member of Club Lotus you could try Peter James. I’ve all 3 of mine covered for £250 with unlimited mileage (due to being a member of Club Lotus)
That includes breakdown cover etc.

Never had to claim so can’t comment on that bit.

Ive shown my daughter your artwork Stu, she likes it too !!
Bash

I did have one difficult claim with Peter Best, but that was 24 years ago so it might be unfair to hold that against them still!

I was unfortunate enough to have an accident in my MG BGT - I was stationary in a street, waiting to pull in to a parking space, when a Corsa pizza delivery van drove into the back of my car. Front of the Corsa looked wrecked, rear of the BGT had a broken tail light . But structurally the body was bent underneath (evidenced by a crease in the rear wheelarch, and the bootlid didn't close quite so well) so the car was written off.

The issue was that I'd taken photos and sent the Agreed Valuation form off only a day or two before the accident, and it hadn't been processed and approved yet.

The Agreed Valuation department went ahead with their thing (probably unaware of the claim), and duly agreed the value I'd asked for. Meanwhile the claims department did their thing, and looked for the Agreed Valuation certificate, found it, and said that since it was dated after the accident it wasn't valid, and they were only going to give me what they wanted to give me, which was about 2/3 the value.

I pointed out that, even if the certificate wasn't valid, they themselves had still said it was worth what I was claiming, so that's what they should pay. They then claimed that the photos appeared to be old and not representative of the state of the car, which was bollox (apart from the photos not showing the accident damage!).

Eventually they conceded, and paid me what I wanted. Just shows that even specialists try the standard tactic of initially trying to get away with a low settlement, in the hope that you'll just take it (and I bet plenty do), but if you persist you can get a fair settlement - not the only time I've been through that cycle!