Sid
04-03-03, 11:26 AM
Just phoning around now...
I've got "Project NovaStyle" to insure, along with a 1.2L Nova...
I might as well insure Novastyle now although its still being made, as I have the 1.2 to drive now ...no point in taking out two seperate policies...
or should I ...just in case I give the 1.2 to my Mrs to drive
(dilemna)
Novastyle has everything checked off on the insurance companies checklist (engine through to paint) :cool: ...4 yrs NCB to go on that. (26yrs)
1.2L is bog standard. 1 yrs NCB
QUESTION 1:
Dilemna... do I insure them both on one policy, or two seperate ones?
4 yrs NCB protected for 2L 16v (all mods declared)
1 yrs NCB on 1.2L
The reason for the dilemna is ...if I later on in year give the 1.2 to my girlfriend to drive ...do I really want to take the risk of having her on the same policy so that IF she does have a prang, I don't really want my insurance to go up (even when protected the premium goes up!)
QUESTION 2:
Do I want agreed value insurance?
I can get agreed value on the Nova to around ?7k. so if I need to recover the whole cost, that is what I get back, or otherwise on a normal policy I would get back the market value, of around ?1500.
But the cost is alot more for this type.
THIS IS WHAT I HAVE DONE TODAY:
LIVERPOOL VICTORIA Insurance 0800 404 014
on same policy for BOTH cars, with me to drive, Fully Comp. no mileage restrictions. Only me to drive. (protected NCB)
?727.01 with ?150 accidental damage
or ?602.56, with ?300 accidental damage
separately they are (for me):
2L 16v ?363.30
1.2L ?239.26
with girlfriend:
2L 16v 589.37
1.2L 338.78
HIC INSURANCE 08451 290 290
2 separate policies,
2l 16v, 4 yrs NCB, as agreed value (around ?7k), limited to 6k miles a year, fully comp. ?784 with ?350 accidental damage. (no protection of NCB) just me to drive.
with unlimited mileage it is ?940.
1.2L, as TPFT, 1yrs NCB, no mods, for me & girlfirend to drive ?307.00
SO WHAT DO U THINK GUYS & GALS?
Sid
I've got "Project NovaStyle" to insure, along with a 1.2L Nova...
I might as well insure Novastyle now although its still being made, as I have the 1.2 to drive now ...no point in taking out two seperate policies...
or should I ...just in case I give the 1.2 to my Mrs to drive
(dilemna)
Novastyle has everything checked off on the insurance companies checklist (engine through to paint) :cool: ...4 yrs NCB to go on that. (26yrs)
1.2L is bog standard. 1 yrs NCB
QUESTION 1:
Dilemna... do I insure them both on one policy, or two seperate ones?
4 yrs NCB protected for 2L 16v (all mods declared)
1 yrs NCB on 1.2L
The reason for the dilemna is ...if I later on in year give the 1.2 to my girlfriend to drive ...do I really want to take the risk of having her on the same policy so that IF she does have a prang, I don't really want my insurance to go up (even when protected the premium goes up!)
QUESTION 2:
Do I want agreed value insurance?
I can get agreed value on the Nova to around ?7k. so if I need to recover the whole cost, that is what I get back, or otherwise on a normal policy I would get back the market value, of around ?1500.
But the cost is alot more for this type.
THIS IS WHAT I HAVE DONE TODAY:
LIVERPOOL VICTORIA Insurance 0800 404 014
on same policy for BOTH cars, with me to drive, Fully Comp. no mileage restrictions. Only me to drive. (protected NCB)
?727.01 with ?150 accidental damage
or ?602.56, with ?300 accidental damage
separately they are (for me):
2L 16v ?363.30
1.2L ?239.26
with girlfriend:
2L 16v 589.37
1.2L 338.78
HIC INSURANCE 08451 290 290
2 separate policies,
2l 16v, 4 yrs NCB, as agreed value (around ?7k), limited to 6k miles a year, fully comp. ?784 with ?350 accidental damage. (no protection of NCB) just me to drive.
with unlimited mileage it is ?940.
1.2L, as TPFT, 1yrs NCB, no mods, for me & girlfirend to drive ?307.00
SO WHAT DO U THINK GUYS & GALS?
Sid