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Discussion Starter · #1 ·
Hi chaps.

I'm an insurance Broker just thought i would post this. Alot of you may be insured by
Norwich Union (As I Am) on your EVO's

I received an internal memo today stating the certificates of insurance are 2 b amended
to exclude track day use as your policy comes due for renewal. This will obviously be hidden in
the small print so be aware.

Shame really as it was a good point on a not to unreasonably priced policy.
 
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Discussion Starter · #2 ·
Andy.....Norwich Union do allow 5 per year now at £78 per event. Trouble is I've used all my 5 and the only other port of call is Edgar Lawson who are twice or three times more expensive for less comprehensive cover.

Are there any other alternatives?

Steve
 
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Discussion Starter · #3 ·
I am not with N.U. but thanks for the warning, duly noted. I assume that is forthwith?
I would be interested to hear your comments on which are the better companies for claims, i.e. the least hassle or do you not get involved with that side of things?
Email me if you don't want to post slanderous material on here ;)

I read an interesting article in the paper today about car insurance. Apparently we are paying 40% more than most of the rest of Europe for car insurance although the UK has the lowest fatality rate on the roads than any other EU country. We do have a lot of smaller accidents than most other EU countries though (density of traffic I suppose). Of course the blame on the price hikes (they reckon another 20% rise next year in premiums) is put on more people using the 'Accident Claimline' sharks sueing everyone if they break a fingernail or mess their hair up in a smash. I only hope this country doesn't end up like America in that respect :(.
 
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Discussion Starter · #4 ·
This is not entirely true. All the NU policies do say this as someone who did not have track cover claimed against NU and won!

Track cover varies from broker to broker. A-One Insurance, who I use, provide track cover as part of the policy (no extra cost, just 1000 excess) - provided by NU. The policy wording says no track cover, but what you have to do is call before you go, and they issue you with a cover note for the track day - which means you are covered.

Different brokers provide different things. A-One seem brilliant. With all my mods and trackdays, I pay nothing more than I did when I took the policy out for my (then) RSX with stage 1. I pay £1260, living in Reading, full business use, unrestricted mileage, including missus, trackdays and mods. Beat that!
 
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Discussion Starter · #5 ·
On of the problems we have with Norwich Union and indeed most other big insurers is they have at least
85 fingers on each hand all stuck in a different pie. Dependant on which Broker you are with, particulally
the specialist ones means that your policy may be tweaked. As my firm is not involved with a great deal of motor insurance mine is the standard policy, thus cover will be excluded. However if you are with a performance car insurer/broker it may well be endorsed to include the cover.

All I am saying really is watch out at renewal. We also tend to find that insurers are like sheep (I dont mean stupid) one does something and they all follow, which is quite likely when a company the size of NU amend something.

On the issue of taking an insurer to court. NU have the David and Goliath approach, we can afford it can you ? for most of us the answer is no.

So just pointing out what I know. Be carefull guys as track days become more popular watch out. Also I
dont suppose it will be to long before those scum claims line compensation types are at the track side, He cut you up !! you can sue for compensation you know
 
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Discussion Starter · #6 ·
Direct Line covers trackdays implicitly. When I called them to confirm this they (grudgingly) confirmed it and said they were not planning on changing the policy wording.

Two days after my enquiry I even received a letter from them ... a single sentence saying Further to your enquiry we can confirm you are covered for trackdays on the above policy etc. etc . No caveats, exclusions or additional premium Pleasant surprise.

Ian.
 
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Discussion Starter · #7 ·
Oh and by the way Blade

Beat that !!!!!!!!!!!!!!!!!!!!!!!!!
It aint what you know ??

Full business use,unlimited milage £100 excess - £560.00 per year (five hundered and sixty pounds)
Not wanting to rub salt into the wound but that also includes my girlfiriend who is 23.
 
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Discussion Starter · #9 ·
Andy E - What about track cover and near Group A spec :D :D :D ??????

Think that might alter your price a little!

BTW, you are a lucky ******* for having a 23 year old girlfriend.

Can't remember what 23 year old flesh feels like.... but you can!

DAMN DAMN DAMN!!!

Oh, hope my wife isn't reading this ..... love you darling :D :D :D (****!)
 
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Discussion Starter · #11 ·
Blade

Forgert the feel and go for the taste yum yum yum - Bearing in mind I am 34 I'm fiinding the situation
hard to live with. The only thing I can find thats a better ride that my EVO is ?????

Onwards and upwards
 
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Discussion Starter · #12 ·
Andy, I will swap a ride in my car for one with your girlfriend!!!

No, didn't think you would say yes to that :D
 
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Discussion Starter · #13 ·
Sorry Blade

There is room for 4 in my EVO

Can't say the same about my girlfriend

She's only a single seater.

Sorry pal
 
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Discussion Starter · #14 ·
I'm with Privilege Insurance, part of Direct Line, first time I've been impressed with an insurance company in 18 years! Excellent service and free unlimited fully comp trackday insurance.
 
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Discussion Starter · #15 ·
HH6, your facts about the insurance being cheaper in some European countries is probably true for the ones with lower buying power, f.e. Portugal and Greece. It sure ain't true for Germany. Fully comp. insurance here is ludicrous, I'd pay about a thousand pounds more if I'd insure my car for the whole year here than what I paid in the UK. Another example, an E55 AMG costs about 5000 pounds fully comprehensive!!
 
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Discussion Starter · #16 ·
In my evo, there's space for 5. But I do not recommend you take other people with you in it.
 
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Discussion Starter · #17 ·
Michael,

Is it true that, in Germany, it's often cheaper to insure very rare high-risk cars than it is to insure common high-risk cars (e.g. 7.3 litre Brabus vs. AMG E55)? I've seen it quoted more than once in the UK motoring press and was wondering if it was BS or not.

Ian.
 
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