At 55 y/o guess what I was just quoted for a 911 turbo?

Caddyman

I am looking to insure a 996 turbo on a fully comp basis and with no claims ever and a clean licence for over 30 years I just got quoted €3,450! This is a second car for me so they said I have ZERO no claims discount as the discounts are used for my daily work car. Holy crap I though these figures were for 18 year olds looking to insure a VW GTI or something like that. :eek:
This was with my current insurance company who are probably the biggest in Ireland and based on a max 5,000 miles a year and a €500 excess.

What company will insure me a for a 'reasonable' premium??
Any help would be much appreciated

Carbon125

I guess you would need to move north of the border to get a reasonable premium.

I do hope that someone with deep pockets will one day take it upon himself to challenge this 'your no claims discount is used up by your first car' nonsense in court. Since our lovely government isn't doing anything to stamp out absurdities like this...

Liam McPoyle

Caddyman wrote: »

I am looking to insure a 996 turbo on a fully comp basis and with no claims ever and a clean licence for over 30 years I just got quoted €3,450! This is a second car for me so they said I have ZERO no claims discount as the discounts are used for my daily work car. Holy crap I though these figures were for 18 year olds looking to insure a VW GTI or something like that. :eek:
This was with my current insurance company who are probably the biggest in Ireland and based on a max 5,000 miles a year and a €500 excess.

What company will insure me a for a 'reasonable' premium??
Any help would be much appreciated

You have no bonus to use and are looking to insure a top of the range, high performance car.

What are you expecting to pay?

Tbh there are likely going to be very few companies willing to quote you given the profile.

sarah88

I had the same problem when trying to insure my second car. Its a load of nonsense really. My advise would be to contact a broker, I was told by a local broker that some insurance companies can 'split' your NCB. Might be worth a try.

I found 'campion insurance' to be decent for high performance cars

peteb2

sarah88 wrote: »

I had the same problem when trying to insure my second car. Its a load of nonsense really. My advise would be to contact a broker, I was told by a local broker that some insurance companies can 'split' your NCB. Might be worth a try.

I found 'campion insurance' to be decent for high performance cars

No companies will split your bonus. The local broker is talking BS.

bigroad

Can you not use your full bonus on the 911 and start fresh with your everyday motor ,should be a bit cheaper that way.

Technoprisoner

My brother had similar problems trying to insure his 996 turbo... he ended up having to get a part time traders policy to insure both cars for €2,200 I think it was

peteb2

Technoprisoner wrote: »

My brother had similar problems trying to insure his 996 turbo... he ended up having to get a part time traders policy to insure both cars for €2,200 I think it was

You cant get a part time trade policy these days. its full time or bust. if you have one already you might hang onto it, but you wont get a quote like that.

cplwhisper

Caddyman wrote: »

I am looking to insure a 996 turbo on a fully comp basis and with no claims ever and a clean licence for over 30 years I just got quoted €3,450! This is a second car for me so they said I have ZERO no claims discount as the discounts are used for my daily work car. Holy crap I though these figures were for 18 year olds looking to insure a VW GTI or something like that. :eek:
This was with my current insurance company who are probably the biggest in Ireland and based on a max 5,000 miles a year and a €500 excess.

What company will insure me a for a 'reasonable' premium??
Any help would be much appreciated

Only your current insurer has the option to offer 'mirror ncb' scale to 2nd car... normally though the 2nd car wouldn't be a Porsche (unless car 1 is high prestigue wheels too...I'm curious )!

Drivers could be restricted too as not everyone's gonna have the skills to tame the 996T (also year of 996 is relivant-so what year of model)

Caddyman

Carbon125 wrote: »

I guess you would need to move north of the border to get a reasonable premium.

I do hope that someone with deep pockets will one day take it upon himself to challenge this 'your no claims discount is used up by your first car' nonsense in court. Since our lovely government isn't doing anything to stamp out absurdities like this...

That's exactly what it is, an absurdity! :mad:

Caddyman

Rod Munch wrote: »

You have no bonus to use and are looking to insure a top of the range, high performance car.

What are you expecting to pay?

Tbh there are likely going to be very few companies willing to quote you given the profile.

I had a 965 turbo some 9 or 10 years ago and was paying €1200 on a separate policy then so I honestly though it would be cheaper seeing as I'm that much older!

Caddyman

sarah88 wrote: »

I had the same problem when trying to insure my second car. Its a load of nonsense really. My advise would be to contact a broker, I was told by a local broker that some insurance companies can 'split' your NCB. Might be worth a try.

I found 'campion insurance' to be decent for high performance cars

I did contact me broker and was told they couldn't do anything for me. I think they are too small tbh.
I'll try Campions right now! Thanks.

Caddyman

bigroad wrote: »

Can you not use your full bonus on the 911 and start fresh with your everyday motor ,should be a bit cheaper that way.

My everyday car would then be very expensive I'm thinking!
I might not hold onto this car for long as well.

Caddyman

Technoprisoner wrote: »

My brother had similar problems trying to insure his 996 turbo... he ended up having to get a part time traders policy to insure both cars for €2,200 I think it was

Thanks but I think that would be hard to get but I'll certainly try!

Caddyman

peteb2 wrote: »

You cant get a part time trade policy these days. its full time or bust. if you have one already you might hang onto it, but you wont get a quote like that.

I was thinking that same thing myself but I'm going to call around and see for myself. You never know!

Caddyman

cplwhisper wrote: »

Only your current insurer has the option to offer 'mirror ncb' scale to 2nd car... normally though the 2nd car wouldn't be a Porsche (unless car 1 is high prestigue wheels too...I'm curious )!

Drivers could be restricted too as not everyone's gonna have the skills to tame the 996T (also year of 996 is relivant-so what year of model)

The current insurer doesn't want to even quote me so I never even got to find out if they's mirror the NCB which is 10+ My everyday car is a diesel A8.

The only other driver would be the missus as it doesn't cost anything extra (I was always told) and the car is a 2004 model year.

heroics

I can never understand why my a no claims bonus only applies to the first car if I am only driver insured on both.

Maybe someone can explain that to me?

beauf

heroics wrote: »

I can never understand why my a no claims bonus o lay applies to the first car. If i am only driver insured on both.
Maybe someone can explain that to me?

They won't insure the car, only driver. Unless its a 2nd car then its the car, or the driver.

Sounds like they'll charge anything they like unless someone steps into challenge them.

The Govt were able to cap rents fast enough. Maybe they could do the same with car insurance.

Technoprisoner

Caddyman wrote: »

peteb2 wrote: »

You cant get a part time trade policy these days. its full time or bust. if you have one already you might hang onto it, but you wont get a quote like that.

I was thinking that same thing myself but I'm going to call around and see for myself. You never know!

Contact Britton insurance that is who he has the part time traders with

Caddyman

heroics wrote: »

I can never understand why my a no claims bonus only applies to the first car if I am only driver insured on both.

Maybe someone can explain that to me?

I couldn't understand it either!

Caddyman

beauf wrote: »

They won't insure the car, only driver. Unless its a 2nd car then its the car, or the driver.

Sounds like they'll charge anything they like unless someone steps into challenge them.

The Govt were able to cap rents fast enough. Maybe they could do the same with car insurance.

I got the company that covers my classic cars to offer me a premium of about 1/3 of the first quote I got if I agreed to also insure my A8 with them as well in a month's time. The reason, they said, for being able to offer this much lower premium was that with both cars on their books they could use the same NCb for both cars but that I could be the only driver on both! My wife can drive them only after we change her insurance over to them as well next Summer when her's is up for renewal.
A lot of work but i got there in the end so thanks for all the input, it's much appreciated

Caddyman

Technoprisoner wrote: »

Contact Britton insurance that is who he has the part time traders with

Thanks for the response and the tip, I'll deffo give them a ring again.

12gauge dave

3rd party extension?

Caddyman

Here's a video of her I made this evening as I only got her delivered this afternoon. She's a fast machine

https://www.instagram.com/p/BOYMNJWDhzb/?taken-by=paulvgartlan

Kristopherus

Caddyman wrote: »

Here's a video of her I made this evening as I only got her delivered this afternoon. She's a fast machine

https://www.instagram.com/p/BOYMNJWDhzb/?taken-by=paulvgartlan

Roadhog:D:D:D

bigroad

Caddyman wrote: »

Here's a video of her I made this evening as I only got her delivered this afternoon. She's a fast machine

https://www.instagram.com/p/BOYMNJWDhzb/?taken-by=paulvgartlan

Yea that looks the part well done and good luck with it.

Titzon Toast

peteb2 wrote: »

No companies will split your bonus. The local broker is talking BS.

Quote Devil mirrored my no claims bonus so I could insure a Passat diesel with my other half as a named driver, and a 2.2 Prelude for myself.
When I bought a commercial vehicle they did the same for that.

Caddyman

Titzon Toast wrote: »

Quote Devil mirrored my no claims bonus so I could insure a Passat diesel with my other half as a named driver, and a 2.2 Prelude for myself.
When I bought a commercial vehicle they did the same for that.

So there is more than one insurance company doing this! Good to know. Thanks Titzon Toast

unkel

Caddyman wrote: »

the car is a 2004 model year.

That's unfortunate. A very late 996. Too young for classic insurance. I have the baby sister of your car (Boxster 986) on classic insurance fully comp for a bit over €300

Tell us more about getting the car though! You know anything about its history? It looks great! Now let's hope our M96 engined cars will never suffer the dreaded intermediate shaft bearing issue

peteb2

12gauge dave wrote:

3rd party extension?

Not on a car you own yourself. Or spouse in most cases

Caddyman

unkel wrote: »

That's unfortunate. A very late 996. Too young for classic insurance. I have the baby sister of your car (Boxster 986) on classic insurance fully comp for a bit over €300

Tell us more about getting the car though! You know anything about its history? It looks great! Now let's hope our M96 engined cars will never suffer the dreaded intermediate shaft bearing issue

The Boxster 986 is a real sleeper Porsche that has yet to be 'discovered' as a real drivers car and will make a great investment which you can enjoy while watching the prices go up :-)

I have four classic cars worth collectively more than the price of the 996 turbo and they are all fully comprehensively insured for around €500 so I know the difference between it being classic or not is huge :eek:
The car has a full Porsche/Porsche Specialist history and has been well minded but I still had it checked out in Porsche Belfast before buying it. They give it a 111 point check (yes that's one hundred & eleven!) which takes 3 hours but it is vital when buying a car like this. So much could be wrong and it takes a checkup in a genuine Porsche dealership to show up everything as they are the only ones with the tech needed to go over everything.
By the way the 996 turbo is not affected by either the rear main seal or the intermediate shaft bearing issues as the engine it uses is the 'Mezger' from the GT1 race car which won Le Mans in 1999 but thanks to those issues that afflict the other 996 engines (only about 5% of them btw) the prices of the 996 turbo is artificially low, in my opinion anyway