Yep, we're an actual club, hence the name - we're even recognised by Stellantis Heritage. We don't issue membership cards and the like and so there's no membership number. Tell the insurance company you're a member and if they want a valuation or anything, come back to me.
To be clear, you're a club member and the forum is our online presence.....although we've also got a Facebook page as well.
Well, another year on and another insurance hunt.Originally Posted by renmure
So, today I planned to phone around a few places to see if I could beat my FJ renewal which came in at ?410 for 3000 miles p/a and 135k agreed value.
The guy at Classic Line insurance stopped me in my tracks after a few mins saying they would be a minimum of ?1100 and more likely closer to ?1500 and that was before we clarified what he meant by, "is it modified"
My previous experience with Adrian Flux is that life is too short to go through the process so I skipped them.
FJ didn't offer any wiggle room for negotiation although I could save the ?60 by reducing the annual mileage from 3k to 2k. Given that I've just managed 2k miles in 3 years that might be sensible but I'm gong to be a devil and just go with the flow.
For an assortment of unrelated reasons I?ve done less than 50 miles over the past year so Footman James got a good deal for my 410 quid last year. They want an extra 10 quid this year for identical cover on an agreed value basis which probably is not too bad but I thought I would quickly give Adrian Flux a call in case I was missing out. Given they wanted 1500 pounds I think I?ll stick with FJ.
My FJ policy went up a lot this year but was still the cheapest at ?550.....
My FJ policy was due to expire in 5 days. As above, I intended to renew but it went out of my mind. They phoned today to see if I was renewing and the most gentle of haggling brought the price down by 10% to ?380 for identical cover. Happy days
They wouldn't haggle with me!
I?m maybe better at little white lies when saying I had a more competitive quote but wanted to stay with them. They offered 10% deduction if I dropped the annual mileage from 3k to 2k and I suggested I?d agree to that premium but sticking to 3k miles. That?s where we?ve ended up. Saying that, I?ve only done 2k miles in 4 years and 50 miles last year so dunno why I?m bothered about the annual limits!
My recent experiences !!!
Like Jim, my FJ policy is up for renewal now, and as their quote had increased on last year by ?50 to ?661, decided to ask a few other suppliers. First up, Lancaster, who rang me fortunately after a short on line request, and after a short introductory conversation, I said before we waste each others time, do you have an upper age limit? And after a hold of some 5 mins or so the answer was positive and they would not consider me. (Age discrimination, not the car, me)
So then to Classic Line, again a personal call fortunately shortened due to them having most of my details on file as we have another car with them, but I think they did not want my custom as they came back with ?1325 !!!! (Must ask questions when the other car become s due)
I at this point decided that life and time were more precious to me than being on the phone, so decided to go with FJ as I suspected I was going to hit the price and disco problem wherever. We unfortunately live in a high category region for insurance cover, unlike Jim who I understand is in one of the most amenable and lowest. We see on the local region?s Facebook that cars of substance are stolen at least 3 times a week!!! and there are probably more.
And finally Jim, I shall have just managed to keep under the 3000m limit by the end of the year.
Robin.
Last edited by Longtimefan; 09-08-2025 at 09:55.
"Why make it easy when you can struggle"
I think I may have shared this fact before or maybe not. The trick with all insurance quotes is to get them at between 19-23 days before renewal date, the sweet spot being 21 days for most companies.
Cars are stolen 3 times a week?? I'd be really pissed if my car was stolen once, never mind 3 times....mind you, the local Plod must be on the ball if they can manage to get your stolen motor back to you in time for it to be nicked again just a few days later.
Robin, it seems like you are at least getting value for your insurance premium
It does seem a risky business. Of my ?380 premium 40 of it is insurance tax and another 40 is the fee FJ charge as brokers. The underwriter, Zurich, is therefore getting ?300 for the pleasure of covering me for ?130k agreed value for a year plus covering unlimited 3rd party damage I may cause in a fault accident plus the risk of someone nicking the car. That works out about a fiver per week or 80p per day. Having once put a 40k dent in a car that?s a lot of fivers!! I should feel guilty about haggling but sometimes the Scottish bit comes through
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