Insurance!

General General Lotus Talk
1

Well the time has finally arrived for me to buy me an Exige. I’ve found the perfect car and am just sorting out the details now.

Can anyone please recommend me a decent insurer? I got a quote of �1700 from AON and they refused me cover for trackdays because I am 28

So, the best quote I have is �1100 but there is no track day cover. This is with 6years no claims too!

Does anyone have any suggestions for insurance companies? Or does anyone know any good companies for 1 off track day insurance as I’m probably only going to be able to do 1 this year.
Thanks!

2

Have you tried Autotorque?

0161 278 5226

3

I would recommend THB Egger Lawson, who are a specialist Lotus and Caterham insurer. I’ve used them for the last two years and they have been great. They are very competitive with price and along with your policy you get 4 free track day insurances! www.eggerlawson.co.uk

4

tesco do me (25) for about a grand i think, 8 years NCD

5

I have the 111R, the exige and the F355 plus some other stuff insured through A-Plan. They dont do trackday cover but nobody else came close on quotes. They were also helpfull, knowledgeable and informative which was also a bit of a shocker.

6

THB cover me (36) with 5 yrs NCB on my 240 Cup for about �550.

7

Have you tried Autotorque?

0161 278 5226

Who is best to speak to there at the moment Russ?

8

Another vote for A-plan from me. Im 25 and they saved me over �400 compared to Tesco. You do need experience though!
HTH cheers Ed

9

Admiral beat Autotorque on my last quote so I moved to them. Smaller excess too.

10

i would say elephant.co.uk if you want cheap, as im 21 and they said �1600 (4yncb) for me on exige s… but no track days!

on that point, im going to nurburgring in may, do i need track insurance as best quote i got was �3500 for 4 days with �10000 excess… how crazy is that!

11

on that point, im going to nurburgring in may, do i need track insurance as best quote i got was �3500 for 4 days with �10000 excess… how crazy is that!

I would be surprised if your road insurance covers you on the Ring - even if it is a public road. Have you checked that it covers you for non UK Europe, anyway?

12

Another vote for A-plan from me.

Never heard of them - got any contact details or web address?

13

Thanks for all your suggestions, I tried Admiral and… WOW, �840 with protected noclaims, �750 excess but hey I’m not gunna crash it

I used to drive my VR6 on the ring when I lived in Luxembourg, normal road insurance is fine as it is classed as a public road, however if you crash you pay a fortune for any damage and recovery.

14

A-Plan Insurance on 01635 874646

Alot of the Scottish guys use them. They are a broker and all their policies i believe are through a company called Markerstudy. Sadly no track cover but i dont bother with that anyway!
Cheers Ed

15

http://www.pistonheads.com/gassing/topic.asp?t=257425&f=15&h=0


From the sticky on Pistonheads forum

Edited to add… they charge me about 350ish each for the Elise and the Exige and less than 400 for the F355.

16

I used to drive my VR6 on the ring when I lived in Luxembourg, normal road insurance is fine as it is classed as a public road, however if you crash you pay a fortune for any damage and recovery.

Was that with UK insurance or Lux insurance? In any event, I suggest that you double check that your UK policy automatically covers you for non UK Europe (because some don’t!), plus I’d get them to put it in writing that you are covered fully comp. for driving (after paying) on the Ring.

17

on that point, im going to nurburgring in may, do i need track insurance as best quote i got was �3500 for 4 days with �10000 excess… how crazy is that!

I would be surprised if your road insurance covers you on the Ring - even if it is a public road. Have you checked that it covers you for non UK Europe, anyway?

currently insured with elephant (cheap) they are happy for me to go anywhere in europe aside poland?? but inform me that “although the ring is a public road, we know its used for racing and so this is excluded from your cover”

i hate them, and its not worth changing companies mid policy!

is it better for me to drive the ring uninsured (cant afford �3500 for 4days!) or to go with friends as planned and just spectate?!?!?

18

is it better for me to drive the ring uninsured (cant afford �3500 for 4days!) or to go with friends as planned and just spectate?!?!?

Only you can answer that! Also bear in mind that you won’t have third party cover either, if you damage someone else (car/person).

19

Edited to add… they charge me about 350ish each for the Elise and the Exige and less than 400 for the F355.

Please expand upon level of cover/excess, & which circuits are covered (ie UK only, or incl. Europe) - thanks in advance.

20

I used to drive my VR6 on the ring when I lived in Luxembourg, normal road insurance is fine as it is classed as a public road, however if you crash you pay a fortune for any damage and recovery.

Was that with UK insurance or Lux insurance? In any event, I suggest that you double check that your UK policy automatically covers you for non UK Europe (because some don’t!), plus I’d get them to put it in writing that you are covered fully comp. for driving (after paying) on the Ring.

That was with Lux insurance, but nothing special, just normal insurance from Zurich.

As long as the insurance covers europe you should be ok at the ring but some insurers do make it an exception so it is best to check.