GR86 Insurance

Insurance for the GR86 renewed through @HowdenSpecialistInsurance again, albeit with a different underwriter this time. Admittedly, it came in at £70 more expensive than my cheapest 'comparethemarket' comparison, but that said; the car is now insured to my declared value (as opposed to the calculated market value that most underwriters use) and all of my modifications are covered 'like-for-like' in the event of an incident. For those interested my listed modifications are: Cosmetic Exhaust System. Front Dashcam. Rear Dashcam. Wider Tyres. Uprated Brakes.
The cost at renewal was £395 for declared 'leisure' mileage of 7k per annum.
 
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Sonic said:
Insurance for the GR86 renewed through @HowdenSpecialistInsurance again, albeit with a different underwriter this time. Admittedly, it came in at £70 more expensive than my cheapest 'comparethemarket' comparison, but that said; the car is now insured to my declared value (as opposed to the calculated market value that most underwriters use) and all of my modifications are covered 'like-for-like' in the event of an incident. For those interested my listed modifications are: Cosmetic Exhaust System. Front Dashcam. Rear Dashcam. Wider Tyres. Uprated Brakes.
The cost at renewal was £395 for declared 'leisure' mileage of 7k per annum.
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Dash cams bring premiums down, so I hope they didn’t load them on the premium.

My renewal was AA with add on full roadside recovery, and hire car. £435 64yo, 19 NCD, clean licence, Dorset. Exhaust, and spoiler as mods.

Howdens were £420, but no roadside or hire car.
 
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Chris Mc said:
Dash cams bring premiums down, so I hope they didn’t load them on the premium.
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I general they do for the safety aspect, but it’s still a £700+ mod sitting on the car, so having like-4-like on them works for me. It’s the tyres and brakes that usually load the premium as I found with ‘Swiftcover’ - they wouldn’t cover me at all when I mentioned brake modifications, even though it was an upgrade! 🤷
 
Sonic said:
‘Swiftcover’ - they wouldn’t cover me at all when I mentioned brake modifications, even though it was an upgrade! 🤷
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It's an upgrade in the opinion of the owner but not the insurance company. They see it as a deviation from an OEM design , something that's gone through alot of engineering and development. You have in theory slapped on something never designed for the car, without any engineering assessment. They won't know it's impacts, or if it's even suitable, therefore it's a risk to them, who knows if it affects brake bias, the operation of the ABS or stability control systems, can meet the minimum requirements for stopping the car or has produced to the same manufacturing quality standards for reliability and longevity. They are protecting themselves.

Not having a dig at all, but I do understand why insurance companies are like that, at least we don't have it as strict as the likes of Germany where everything has to be TUV approved.
 
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ZN8 said:
It's an upgrade in the opinion of the owner but not the insurance company. They see it as a deviation from an OEM design , something that's gone through alot of engineering and development. You have in theory slapped on something never designed for the car, without any engineering assessment. They won't know it's impacts, or if it's even suitable, therefore it's a risk to them, who knows if it affects brake bias, the operation of the ABS or stability control systems, can meet the minimum requirements for stopping the car or has produced to the same manufacturing quality standards for reliability and longevity. They are protecting themselves.

Not having a dig at all, but I do understand why insurance companies are like that, at least we don't have it as strict as the likes of Germany where everything has to be TUV approved.
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Id imagine a similar train of thought occurs when the seemingly nonsensical outcome of insuring your car stored in a garage being more costly than on a driveway. Despite those of us who frequent this forum being careful enthusiast owners most of the general public will have some sort of incident involving a lawnmower, child’s bike, 5L pot of paint precariously balanced on a high shelf or any other bits of detritus landing on or against the car with a costly repair being the outcome.
 
Hachi-roku said:
Id imagine a similar train of thought occurs when the seemingly nonsensical outcome of insuring your car stored in a garage being more costly than on a driveway. Despite those of us who frequent this forum being careful enthusiast owners most of the general public will have some sort of incident involving a lawnmower, child’s bike, 5L pot of paint precariously balanced on a high shelf or any other bits of detritus landing on or against the car with a costly repair being the outcome.
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Exactly that. I would hazard a guess to say they see the risk of total loss being higher. Your driveway doesn't contain lots of flammable materials, liquids or any sources of ignition.
 
Barely enough room in my garage for me to walk through, let alone park a car in it. As for the driveway, I’ve now had to put plastic spikes along the gutters because a pair of thuggish Magpies seem to enjoy dropping moss onto the bonnet.. 🤬
 
Sonic said:
Barely enough room in my garage for me to walk through, let alone park a car in it. As for the driveway, I’ve now had to put plastic spikes along the gutters because a pair of thuggish Magpies seem to enjoy dropping moss onto the bonnet.. 🤬
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Don’t ever live 300m for a 100 hectare bird santury, and 1 km froma 4 mile beach.

There’s a lot of birds here. Gulls have no manors.
 
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Has anyone managed to get a combined policy for daily and a few trackdays on the policy too ? On a previous car I used to keep them seperate but multi - day quotes from Moris are pricey in addition to a road policy for this car.
Green light are a potential option but at the GR86 values they want an additional immobiliser, and tracker fitting!

Anyone gone down the combined route?

Edit : Keith Michael's PLC insurance and Howdens provide this type of cover , couple of options there for any one else looking!
 
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Got my renewal through at £1104 with Admiral. Was £971 last year. Years ago I had it in my mind that insurance would get cheaper with age. I'm 53 driving 35 years no convictions, but one claim which was my fault last year. I live in greater manchester, have business use (social worker - I know that whacks it up). We also got burgled a couple of years ago though it wasn't my car that was stolen. Tried compare and the best I got was £888 with Hastings but an excess of £650! These cars really are a lot to insure it seems. It went up over a £100 when I changed from the GR Yaris.
 
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