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Natasha

Insurance Companies

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Natasha

Please find below details of insurance companies. This list has been generated using comments made by forum users.

 

I am sure this isnt a conclusive list so if you have any further suggestions please reply to this post where our friendly moderation team will update the original post accordingly (and sticky?!).

 

So this doesn't turn into a really long thread about quotes and experiences, please could you refrain from discussion and just insert the companies details. At the end of the day each company will be different for everybody!

 

Confused - http://www.confused.com/ - Please note confused is not an insurance company it is just an effective search engine.

 

AA - http://www.theaa.com

Admiral - http://www.admiral.com

Adrian Flux - http://www.adrianflux.co.uk/

Asda Car Insurance - http://www.asdafinance.com

Barclays Car Insurance - https://www.barclays...insurance.co.uk

Bell - http://www.bell.co.uk

Carole Nash - http://www.carolenash.com/

Churchill - http://www.churchill.com/

CIS - http://www.cis.co.uk

Diamond Womens Insurance - http://www.diamond.co.uk/

Direct Line - http://www.directlin...tor/welcome.htm

Elephant http://www.elephant.co.uk

Endsleigh - http://www.endsleigh.co.uk/

Esure - http://www.esure.com

Firebond - https://www.firebond.co.uk/

First Alternative - http://www.firstalternative.com/

Greenlight Insurance - http://www.greenlightinsurance.com - 08707 53 54 55 Forum Discount of 5%-15%

Herts Insurance (HIC) - http://www.hertsinsurance.com - 08451 290 290 Forum discount of up to 20%

Its 4 Me - http://www.its4me.co.uk/

Kwik-Fit Car Insurance - http://www.kwik-fitinsurance.com/

Liverpool Victoria - http://www.liverpoolvictoria.co.uk

More Than - http://www.morethan.com

Norwich Union - http://www.norwichunion.com

RAC - http://www.rac.co.uk

Tesco Car Insurance - http://www.tescofinance.com

Virgin - http://uk.virginmone.../car-insurance/

Edited by cybernck

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pug_ham

Here are a couple I've previously used for my GTi insurance that offer an agreed value & limited mileage policy;

 

www.heritage-quote.co.uk cover also includes breakdown recovery & show cover iirc.

 

My current insurance is with;

www.peterbestinsurance.co.uk offering the same type of policy as heritage but they were cheaper for me, less than £200 when I took the policy out.

 

Graham.

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miamistu

Would it be possible to note which companies deal with mods?

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pug_ham

Both that I've used support mods & of the others I'm fairly certain that the rest listed below do;

Some of the others might but I don't know which.

Graham.

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miamistu

Cheers Graham :)

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richard

HIC insure cars with mods, allowed up to 10% increase in power before you then have to provide proof of your engine output, premium will be adjusted accordingly.

 

Also have no issues with putting a cage in.

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Rom

Might sound silly, but im with Vauxhall. Remnants from my nova days :blush:

I pay something like 450 fully comp on a 1.9 Cat 1 on a drive 4 years NCB.

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AndyUoh

I used confused dot coms online search thingy, which gave me quinn insurance. Its about £700 a year TPFT, but I am 20 with one year no claims. And i have cover on other vehicles and europe. It suits me quite well. Thats on a 1.6. If that helps anyone

 

Andy

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TonyGTI

I recently read a thread of the Lotus 7 club forum which gave me cause for concern

 

http://www.blatchat.com/t.asp?id=114318&pn=1&ps=15&c=

 

 

I thought if you had an accident on track then that was just unfortunate for all parties but it seems if you are involved in an accident then there is potential liability.

 

It would seem that even if you had trackday insurance it only covers you for damage to your own car.

 

Imagine if a guy in a Porsche hit the brakes excessively hard and you run up the back of him you could cause several thousand pounds worth of damage and be liable?

 

Anyone with insurance/legal knowledge prepared to comment?

 

Tony

 

Sorry about typo's in header - how do you change these in the edit mode?

Edited by TonyGTI

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holemi

interesting thread :) .. , more cases like that and they will no doubt make insurance compulsary :lol: which may kill track days as we now know them :)

Edited by holemi

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Jonmurgie

Yeah, that was interesting... I can see the point though that once on track it's each to their own and there can be NO legal liability but in the pitlane is an interesting one, though you would assume any damage to be slight as your not sposed to go very fast in there!

 

The example you give there Tony would be a case of Tough Luck for the Porsche driver assuming you mean on track... he's taking his car on track with the risk that something may happen etc.

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notamondayfan

kinda puts people off track days hearing stuff like this. shame :)

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TonyGTI
Yeah, that was interesting... I can see the point though that once on track it's each to their own and there can be NO legal liability but in the pitlane is an interesting one, though you would assume any damage to be slight as your not sposed to go very fast in there!

 

The example you give there Tony would be a case of Tough Luck for the Porsche driver assuming you mean on track... he's taking his car on track with the risk that something may happen etc.

 

 

Jon,

 

This is my concern, I am not sure now it is 'tough luck'. A posting on the & club thread by one of guys I believe has a legal background I quote his statement;

 

There is some widespread misconception that trackdays operate in a parallel universe where the law does not apply.They don't , nor should they.Those taking part accept a degree of inherent risk which is why most people regard the odd unpleasantness as going with the territory- I know that I do.But let's suppose your car is involved in a shunt and you ,or your passenger is seriously injured.and suppose that the cause is a car driven by a complete idiot who shunts you out of the way whilst you are braking for a corner, or who braketests you as you are about to overtake.Should he be able to say- 'trackday , mate, no rules apply'.Of course not

 

 

I would be interesting to hear from the circuit racers out there as to the legal position when they have a coming together I understood that to be all part of the risk.

 

Tony

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Jonmurgie

Well do you see law suits flying around for those crahses etc. in motorsport races.. NO, so as far as I can see it's the same on a trackday... out on track it's your own problem :)

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Batfink

not quite true Jon. Theres been a few threats of legal ation in the BTCC due to crashes

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hengti

disconcerting

 

i guess that, with the ever increasing popularity of track days and the fact that owners of expensive machinery choose to take the risk without taking out adequate insurance cover (regardless of whether or not adequate cover is actually available), we're going to see an increase in these type of 'where there's blame, there's a claim' type of actions.

 

i've seen a few two car smashes on track days; never a good thing, but participants are taking an inherant risk - to me, this type of thing just proves that some people participate without accepting those risks.

 

the pitlane incident in the example is a weird one, and the point about holding idiots up to account is very interesting, but I still think it'd be a real shame if this kind of problem led to anything.

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boombang

Its true that circuits / pitlane / car park at circuit etc all are still covered by UK law.

 

This means that of course if anyone is NEGLIGENT and causes damages then you can sue them exactly the same as you would if on the road, in a carpark or on your land.

 

Anyone saying that its always down to you is wrong - if you have proof of fault then its a (not so maybe?) simple legal case.

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TonyGTI
Its true that circuits / pitlane / car park at circuit etc all are still covered by UK law.

 

This means that of course if anyone is NEGLIGENT and causes damages then you can sue them exactly the same as you would if on the road, in a carpark or on your land.

 

Anyone saying that its always down to you is wrong - if you have proof of fault then its a (not so maybe?) simple legal case.

 

Hmmm.

 

 

Definition of negligence

 

negligence n. failure to exercise the care toward others which a reasonable or prudent person would do in the circumstances, or taking action which such a reasonable person would not. Negligence is accidental as distinguished from "intentional torts" (assault or trespass, for example) or from crimes, but a crime can also constitute negligence, such as reckless driving. Negligence can result in all types of accidents causing physical and/or property damage, but can also include business errors and miscalculations, such as a sloppy land survey. In making a claim for damages based on an allegation of another's negligence, the injured party (plaintiff) must prove: a) that the party alleged to be negligent had a duty to the injured party---specifically to the one injured or to the general public, b ) that the defendant's action (or failure to act) was negligent---not what a reasonably prudent person would have done, c) that the damages were caused ("proximately caused") by the negligence

 

 

On a track what constitutes reckless driving??

 

 

Tony

 

on a lighter note my 100th post!!

Edited by TonyGTI

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boombang

Everyone on track IMHO has a duty to the others out there. You are all using the circuit and nobody wants to crash on track or hit anyone else so thats pretty clear.

 

If for example a car is badly prepared, a wheel falls off and that causes it to strike another car, there is a clear case of negligence.

 

If a car is following one very closely and hits them in the rear there is little excuse - its a track day not a race so no reason to be so close. Their DUTY is to not drive in a way that can cause damage/injury/loss to you!

 

Its a cheesy saying in the personal injury world but very true - where there is a blame there is a claim.

 

 

There are obviously a lot less clear cut ones - one car follows another closely and a wheel falls off on the first causes an accident. Well the first is negligent for failing to tighten the wheel correctly but the second shouldn't have been so close! Tough one to call :)

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TonyGTI
Everyone on track IMHO has a duty to the others out there. You are all using the circuit and nobody wants to crash on track or hit anyone else so thats pretty clear.

 

If for example a car is badly prepared, a wheel falls off and that causes it to strike another car, there is a clear case of negligence.

 

If a car is following one very closely and hits them in the rear there is little excuse - its a track day not a race so no reason to be so close. Their DUTY is to not drive in a way that can cause damage/injury/loss to you!

 

Its a cheesy saying in the personal injury world but very true - where there is a blame there is a claim.

There are obviously a lot less clear cut ones - one car follows another closely and a wheel falls off on the first causes an accident. Well the first is negligent for failing to tighten the wheel correctly but the second shouldn't have been so close! Tough one to call :D

 

 

So if my brakes fail and I ram a car up the back I'm f***ed (a non legal term) as I will be considerered negligent tbecause I failed to maintain my braking system.

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Jonmurgie

feck all this... time to get out of trackdays and join the likes of Maxi terrorising the lambo drivers of this world :D

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boombang

Tony, say I was on track and you hit me from behind.

 

First thing I would do is ask for all your details so you could pay for the damage - if refused would get a solicitor and sue you. Might not ask for 100% of the cost of repairs but if I was driving perfectly sensibly and though either you weren't or that you were at fault for driving a badly prepared car I may well do.

 

Same as if I hit someone and it was clearly 100% my fault - I'd put my hand in my pocket and pay up!

 

Well actually hopefully I wouldn't as always had 3rd party track insurance, on track make myself as much space as possible, don't race and if I think there is a risk will always come off, talk to the marshalls/organisers and get it sorted.

 

I'm not trying to make enemies or piss anyone off but its true - someone smashes your pride and joy you'd want them to pay for it!

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notamondayfan

surely once you take your car on the track its your responsibility. as a driver you know what to expect, it isnt like driving on the road. different rules do apply.

 

if i took a ferrari on track, with out insurance, then as far as im concerned im basically waving my right to sue, as surely it would be myself who has been neglegant in not getting insurance in the 1st place!

 

if a boxer goes into the ring, and gets a total pasting, and can never fight again, do they sue?

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jackherer

A lot of us are insured with HIC who include track day cover but is this for our own car or is it 3rd party cover (or both?)

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boombang
surely once you take your car on the track its your responsibility. as a driver you know what to expect, it isnt like driving on the road. different rules do apply.

 

if i took a ferrari on track, with out insurance, then as far as im concerned im basically waving my right to sue, as surely it would be myself who has been neglegant in not getting insurance in the 1st place!

 

if a boxer goes into the ring, and gets a total pasting, and can never fight again, do they sue?

 

To the first bit - its up to you not to drive your car like a prick, but you can't stop someone else. Are you saying its ok to drive as you like on track and that if your driving causes damage/injury its ok?

 

2nd bit - No. Insurance isn't required but again we aren't talking about what you do to your own car but what others can do to you.

 

3rd bit - if the fighter was on the ropes being hit over and over whilst unconscious and everyone stood around letting it happen then of course they sue. If they go in the ring, get knocked out and that results in injury then its down to them. If a third person driving their car way too fast comes skidding into the ring and knocks the fighter down is it ok because it wasn't on a public highway and that being in the boxing ring he expected to get hurt anyhow?

 

If you actually think about it nothing is black and white hence I mentioned negligence. If your not going to read and instead use totally meaningless parallels there isn't much point posting when I am just trying to help.

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