Tony Lockhart
Avoiding Stress, at Every Opportunity
Jeepers. So you think a Porsche 911 is best described as a Chelsea Tractor?
What the hell do you drive? A postman Pat pedal car?
My New Car (warning more Porsche content)
- Thread starter gintonic
- Start date
Jeepers. So you think a Porsche 911 is best described as a Chelsea Tractor?
What the hell do you drive? A postman Pat pedal car?
Amber Audio
This is the Day
He's likely referring to the Macan in post #1 from a couple years back
Tony Lockhart
Avoiding Stress, at Every Opportunity
Ahaaa, but he says he read the whole thread, so can’t possibly be referring to that!
gintonic
50 shades of grey pussy cats
My existing insurer won't cover a 911 - after shopping around, Adrian Flux was the best value. Luckily change over will be easy, old policy expires on Saturday, and new car comes on Friday....perfect timing. Interestingly despite my renewal on the Macan with AXA coming down by £50 over last year, the new policy for the 911 is still £400 cheaper...… 
Tony Lockhart
Avoiding Stress, at Every Opportunity
If speed was the only factor, that'd be a sort of valid comment.
What are the other valid factors ? That a 911, driven by the same person as the Macan , is necessarily more risky ?
Seeker_UK
Feelin' nearly faded as my jeans
As most premiums are based on statistical evidence, then it would seem to be the case.
And your 20/30/40 year individual driving record means what ? 911 drivers should have the lowest % premiums of the lot: they are terrified of hurting their babies.
Tony Lockhart
Avoiding Stress, at Every Opportunity
Cost of repair is the major factor for most cars. Then a mix of driver’s postcode, driver history, that particular car’s chance of delivering a claim.. in the mid-2000s one in three Citroen Saxo VTS gave their insurer a claim each year. How many 911s produce a claim each year?
It’s all stats, can’t be anything else really.
Seeker_UK
Feelin' nearly faded as my jeans
You get a good no claims discount. Like drivers of any other marque.
As Tony L says. Premium is a function of P(claim received by insurer*) x most likely of claim cost to insurer. Most insurers have to base a decision on statistics and consider correlation not causation; to consider each individual on merit would be impossible for the volume of customers they have.
My advice is that if you have a car that is not a regular, volume-manufactured car (and yes, that includes Pork) then you're better off going to a specialist broker like Carole Nash, Footman James, Adrian Flux et al who will look at each driver / car on a case-by-case basis.
Ahh that could be it.
I know how insurance works in general. I was questioning the logic why an insurer will insure someone in a Macan Turbo, but refuse the same person (presumably with a good record and now older) in a 911.
Anyway the solution is a specialist broker with a brain as pointed out.
Tony Lockhart
Avoiding Stress, at Every Opportunity
If it’s a production 911 there’s no need for a specialist insurer. The required data is available so any insurer can make a decision.
stephen bennett
Mr Enigma
kennyh
pfm Member
After G&T said he'd saved £400 on his premium from the Macan I thought Jeez how much is this policy. Then realised he's maybe insuring it with unlimited mileage and using as an everyday/business car....whereas if I'd bought it I'd be looking at probably a 1500/2000 mile limited policy which does cut a huge slab off it if it's the second toy.
gintonic
50 shades of grey pussy cats
I have a policy capped at 8k per year. I do have bus miles as I need to move between multiple sites.
AXA were undoubtedly ripping me off, and I am intrinsically lazy. A few years back AXA supported me through a long and tortuous claim, and the claim was ongoing through an annual renewal. The claim was finally sorted in 2018 (it took 2 years). When my Macan renewal came in this year it was about £90 less than last year, and I though that was ok, and didnt give it a second thought. Combined with being lazy and time poor, I didnt even think about shopping around until AXA said they wouldn't insure a 911.
So I guess a combination of factors lead to the reduction. For those interested, AXA renewal for Macan was £940, and Adrian Flux for the 911 was £560.
kennyh
pfm Member
Yep, unlike road tax your insurance premium can vary wildy.
I've been amazed in the past when running the details past the Meerecat and had quotes ranging from £350 to £2000+ in the same list.
As an aside, returning to specialist insurers, I too used these for many. many years. FJ. Reiss, Haggerty, Flux etc. then saw blokes on forums saying "normal" and big named companies were beating their prices. I run a couple of cars past them and sure enough it was true. I only use speciality companies now for heavily modified vehicles which these "normal" insurers just won't touch with a barge pole.
stephen bennett
Mr Enigma
If my MR-2 insurance was £400 cheaper my insurer would be paying me £300.
Stephen
Stephen
cutting42
Arrived at B4 Hacker Ergo
Its weird how they pick and choose though. My wife's old Saab 93 Aero was insured with Sheilas Wheels and when we replaced it with the 335i they would not insure it. We had been with them for over 12 years I think but that made no difference.