Les, I believe this is very much a case for "you get what you pay for". I use Richard Egger and yes the cost is higher than I would like - BUT - I know I am fully insured and in these days of increasingly litigation its worth the peace of mind. Richard Egger understands what a trials car is, and what the modifications are, and accepts them. I know of only a very limited number of other insurers who offer a similar policy and they have all been at least as much. Of course you can insure a vehicle under a fairly standard policy and cover yourself on events using the "on-event" insurance the clubs offer. But are you then going to lower the car again between events? Are you going to ensure the wheels are factory standard? That you havent made any other modifications that the insurer will either charge you a ridiculous amount to cover you for, or worse still, that they will then use an excuse not to pay out should you have an accident if they weren't fully declared. I believe, possibly unfairly, that most insurers will avoid paying out if they feel they can justifiably do so, and a lot of modifications we make would give them such justification. Therefore if you want to be sure you are covered its best to use a speciailist insurer. I use Richard Egger simply because their quotes were as good as any others I got and they sponsor various Trials Championships as well as donating to the ACTC Annual Awards evening. Giles
My car is beetle based buggy and is insured as a kit car. The insurers know exactly what it is and even have photos on record. Richard Egger's quote for the same cover (without trials) was nearly twice the price. The extra cover for trials was 짙60 which I thought was quite reasonable. For the time being I think I'll stick with paying the blanket cover for each trial.
Les
Giles wrote: > ----------------------------------------------------------- > > New Message on Classical Gas, For Trials enthusiasts > > ----------------------------------------------------------- > From: Giles > Message 3 in Discussion > > Les, I believe this is very much a case for "you get what you pay for". I use Richard Egger and yes the cost is higher than I would like - BUT - I know I am fully insured and in these days of increasingly litigation its worth the peace of mind. Richard Egger understands what a trials car is, and what the modifications are, and accepts them. I know of only a very limited number of other insurers who offer a similar policy and they have all been at least as much. Of course you can insure a vehicle under a fairly standard policy and cover yourself on events using the "on-event" insurance the clubs offer. But are you then going to lower the car again between events? Are you going to ensure the wheels are factory standard? That you havent made any other modifications that the insurer will either charge you a ridiculous amount to cover you for, or worse still, that they will then use an excuse not to pay out should you have an accident if they weren't fully declared. I believe, possibly unfairly, that most insurers will avoid paying out if they feel they can justifiably do so, and a lot of modifications we make would give them such justification. Therefore if you want to be sure you are covered its best to use a speciailist insurer. I use Richard Egger simply because their quotes were as good as any others I got and they sponsor various Trials Championships as well as donating to the ACTC Annual Awards evening. Giles >
I use
ReplyDeleteCompetition Car Insurance
0115 941 5255
http://www.competition-car-insurance.co.uk/
I don't know if they will be much cheaper than Richard Egger though, worth a try though.
James
Les, I believe this is very much a case for "you get what you pay for". I use Richard Egger and yes the cost is higher than I would like - BUT - I know I am fully insured and in these days of increasingly litigation its worth the peace of mind. Richard Egger understands what a trials car is, and what the modifications are, and accepts them. I know of only a very limited number of other insurers who offer a similar policy and they have all been at least as much. Of course you can insure a vehicle under a fairly standard policy and cover yourself on events using the "on-event" insurance the clubs offer. But are you then going to lower the car again between events? Are you going to ensure the wheels are factory standard? That you havent made any other modifications that the insurer will either charge you a ridiculous amount to cover you for, or worse still, that they will then use an excuse not to pay out should you have an accident if they weren't fully declared. I believe, possibly unfairly, that most insurers will avoid paying out if they feel they can justifiably do so, and a lot of modifications we make would give them such justification. Therefore if you want to be sure you are covered its best to use a speciailist insurer. I use Richard Egger simply because their quotes were as good as any others I got and they sponsor various Trials Championships as well as donating to the ACTC Annual Awards evening. Giles
ReplyDeleteMy car is beetle based buggy and is insured as a kit car. The insurers
ReplyDeleteknow exactly what it is and even have photos on record. Richard Egger's
quote for the same cover (without trials) was nearly twice the price.
The extra cover for trials was 짙60 which I thought was quite reasonable.
For the time being I think I'll stick with paying the blanket cover for
each trial.
Les
Giles wrote:
> -----------------------------------------------------------
>
> New Message on Classical Gas, For Trials enthusiasts
>
> -----------------------------------------------------------
> From: Giles
> Message 3 in Discussion
>
> Les, I believe this is very much a case for "you get what you pay for". I use Richard Egger and yes the cost is higher than I would like - BUT - I know I am fully insured and in these days of increasingly litigation its worth the peace of mind. Richard Egger understands what a trials car is, and what the modifications are, and accepts them. I know of only a very limited number of other insurers who offer a similar policy and they have all been at least as much. Of course you can insure a vehicle under a fairly standard policy and cover yourself on events using the "on-event" insurance the clubs offer. But are you then going to lower the car again between events? Are you going to ensure the wheels are factory standard? That you havent made any other modifications that the insurer will either charge you a ridiculous amount to cover you for, or worse still, that they will then use an excuse not to pay out should you have an accident if they weren't fully declared. I believe, possibly unfairly, that most insurers will avoid paying out if they feel they can justifiably do so, and a lot of modifications we make would give them such justification. Therefore if you want to be sure you are covered its best to use a speciailist insurer. I use Richard Egger simply because their quotes were as good as any others I got and they sponsor various Trials Championships as well as donating to the ACTC Annual Awards evening. Giles
>