how much do you guys pay for your insurance for your ludes?

h10ndr · Post by **h10ndr** » Tue Jul 17, 2012 1:42 pm

Pushki wrote:
48 years old
Best gen' 1994 BB4 (Grey Import)
Full no claims discount
No points
All mods declared - like for like replacements
Windscreen cover
Legal expenses cover
Guaranteed vehicle value £2500

£632.20 Fully comp. (Chaucer Insurance via Sky).

How come more than one person on here is getting the "agreed value cover" from Sky when they told me it was no longer available last year?

Mine was covered like this for about 3 yrs.- then I restore it - and cant have it anymore...

106pete · Post by **106pete** » Tue Jul 17, 2012 2:31 pm

I use trade insurance, I'm 27 and have 1 sp30 on licence and have upto £5000 in car value insured.

Basically as long as its not a scooby/Porsche/evo/cosworth etc they don't have a problem, and I can be insured without even telling then as long as its no longer than 2 weeks. And anyone can drive my car under my insurance as long as I'm in the car. I believe I can add family to the cover aswell. All social and commuting covered too

And it cost just £550

Post by **indigolemon** » Tue Jul 17, 2012 3:09 pm

h10ndr wrote:How come more than one person on here is getting the "agreed value cover" from Sky when they told me it was no longer available last year? Mine was covered like this for about 3 yrs.- then I restore it - and cant have it anymore...

I asked about this. Sky are a broker so it seems to depend on the insurer they find for you whether this can be done. Depending on your postcode etc, you will likely end up with a different insurer to the guys who are still getting agreed value.

Post by **RattyMcClelland** » Tue Jul 17, 2012 4:44 pm

I have a motor trade insurance but they wont cover me on group 18-20 cars and wont touch imports. Gay as Type S is group 18 and import.

h10ndr · Post by **h10ndr** » Wed Jul 18, 2012 12:50 am

indigolemon wrote:
h10ndr wrote:How come more than one person on here is getting the "agreed value cover" from Sky when they told me it was no longer available last year? Mine was covered like this for about 3 yrs.- then I restore it - and cant have it anymore...
I asked about this. Sky are a broker so it seems to depend on the insurer they find for you whether this can be done. Depending on your postcode etc, you will likely end up with a different insurer to the guys who are still getting agreed value.

I was getting cover originally by Chaucer Insurance via Sky...I wonder if I could go direct to Chaucer next time - and bypass Sky - I did with their breakdown cover...(wouldn't cover it because car over 14yrs old - contacted same breakdown company direct - got cover straight away~ just not european) same price.

Post by **Drax** » Thu Jul 19, 2012 4:50 pm

first year i insured my lude i got it down to £190

and its about £260 atm for the last two years

Post by **si import** » Thu Jul 19, 2012 5:13 pm

I have motor trade insurance . I'm 24 and can drive anything up to insurance group 16 until I'm 25 . After that I can drive anything which I can't wait for because I can then drive my evo. I pay around a grand .

Shiny · Post by **Shiny** » Thu Jul 19, 2012 6:33 pm

I take it you chaps with motor trade insurance are actually self employed motor traders and operating a legitimate business for profit and can evidence this in the event of a claim?

Watch the wordings on cheap road risks policies too, as they often exclude modified vehicles.

106pete, the mid 14 day ruling only applies to you own sales stock which is passing through as such, ie in your possession for less than 14 days. If you intend keeping it, or it goes over 14 days, you need to then notify the mid.

Also, you arent covered for anyone as long as you sit next them. You are only covered for prospective purchasers when your vehicle is being driven for demonstration cover, provided of course that sales is noted in your business description and you do have accompanied demonstration cover listed on your certificate of insurance.

God bless motor trade insurance, miss-sold by brokers and misunderstood by clients since time began.

Post by **RattyMcClelland** » Thu Jul 19, 2012 7:17 pm

Mines a motor trade policy for Chipsaway franchisees. I can drive any customers cars up to group 17 to and from the place of work when a repair is carried out. Im personally covered on my own vehicles up to group 17 and are not imported or modified for Social, domestic please etc..

Shiny · Post by **Shiny** » Thu Jul 19, 2012 7:38 pm

Yours is fine