Richard Hughes Posted February 3, 2009 Share Posted February 3, 2009 For many years I have been insured through Roadsure (now Premium Choice) I have received my premium for 2009 and it has gone up almost £100 even though my sums insured have gone down. I have spoken to them but can't do anything about the premium . I have also spoken to Footman James who significantly reduce the premium but can't insure my trailers . Can anyone recommend any other people I can get a quote from. Cheers Quote Link to comment Share on other sites More sharing options...
Marmite!! Posted February 3, 2009 Share Posted February 3, 2009 Yes RS have gone right down hill in recent years & many have changed to FMJ.. Try the NFU... Quote Link to comment Share on other sites More sharing options...
Mark Posted February 3, 2009 Share Posted February 3, 2009 Barry Graingers in Tunbridge Wells Kent. Quote Link to comment Share on other sites More sharing options...
LeeEnfield Posted February 3, 2009 Share Posted February 3, 2009 (edited) Try Cherished Car Insurance,............easily beat both footman james and roadsure when i needed to renew Bedford. (policy is with same one as r/sure,......, for same cover,but without their obvious mark up.) Andy Oh yes,...........they can be contacted via enquires@ccins.co.uk Edited February 3, 2009 by LeeEnfield additional infomation Quote Link to comment Share on other sites More sharing options...
Simon Daymond Posted February 3, 2009 Share Posted February 3, 2009 not wanting to champion Roadsure, but my premium was only slightly higher than last time. Perhaps it might be an idea to give them another call, as perhaps they are adding things to your policy that you don't need, such as key cover etc? It always helps to ring around though. Quote Link to comment Share on other sites More sharing options...
Chrisg Posted February 3, 2009 Share Posted February 3, 2009 Here's another one Peter D James Ltd Peter D. James Limited 772 Hagley Road West Oldbury West Midlands B68 Telephone:0845 0999 500Fax:0845 2233 020 http://www.peterjamesinsurance.co.uk/ Quote Link to comment Share on other sites More sharing options...
antarmike Posted February 3, 2009 Share Posted February 3, 2009 I am with NFU for most things and they are good. However NFU would not quote competitively for the Eager Beaver, so I looked around and found a Company called "Premium Choice" who ran a full page ad in an MV magazine. They weren,t too bad price wise so I decided to go with them, before FJ came back with their quote. FJ beat them price wise by about 20%, but that isn't the reason I wish I had waited for FJ, intstead of making a snap decision for Premium Choice. It maybe I am getting untypical service from them, but they have cocked up just about every aspect of the paperwork, time and time again. I wouldn't recommend them to anyone. But as I say I might be untypical, but my own personal experience is unless you want to be on the phone to them three times about every communication, and it is still wrong, go elsewhere! They even started a claim for an accident dated four years before I took out the policy with them! Quote Link to comment Share on other sites More sharing options...
Tony B Posted February 3, 2009 Share Posted February 3, 2009 With over a thousand members we now have a fair old clout, time to start using it. Jack has worked deals with some companies. Quote Link to comment Share on other sites More sharing options...
Marmite!! Posted February 3, 2009 Share Posted February 3, 2009 I looked around and found a Company called "Premium Choice" who ran a full page ad in an MV magazine. Premium Choice are Roadsure... Quote Link to comment Share on other sites More sharing options...
john fox Posted February 3, 2009 Share Posted February 3, 2009 Try Cherished Car Insurance,............easily beat both footman james and roadsure when i needed to renew Bedford. (policy is with same one as r/sure,......, for same cover,but without their obvious mark up.) Andy Oh yes,...........they can be contacted via enquires@ccins.co.uk I second that Premium Choice (old name Roadsure) are a broker and they arrange their policy with an underwriter called KGM at Lloyds. This is the same policy which you buy if you go through the broker called Cherished Car I saved a bit by doing just that - Premium Choice charge a hefty admin fee which Cherished car does not that said the premium itself is largely set by the underwriter so if your price increase is down to them the only alternative is find a broker who does not place the policy with KGM - eg FMJ etc Quote Link to comment Share on other sites More sharing options...
Rick W Posted February 3, 2009 Share Posted February 3, 2009 With Footman James, fully comp on the Iltis cost £50, added the Champ onto it for £15! Beat that. Quote Link to comment Share on other sites More sharing options...
woa2 Posted February 3, 2009 Share Posted February 3, 2009 I have heard of another Classic Car Insurance company, Hagerty. http://www.hagertyinsurance.co.uk/index.aspx They were advertising at Beaulieu Autojumble last September. I did talk to them and they were considering Military Vehicle insurance. My insurance wasn't due, but they gave me a quote close to what I am paying FJ. I will shop around in April when my insurance comes up for renewal. Quote Link to comment Share on other sites More sharing options...
ArtistsRifles Posted February 3, 2009 Share Posted February 3, 2009 I second that Premium Choice (old name Roadsure) are a broker and they arrange their policy with an underwriter called KGM at Lloyds. This is the same policy which you buy if you go through the broker called Cherished Car I saved a bit by doing just that - Premium Choice charge a hefty admin fee which Cherished car does not that said the premium itself is largely set by the underwriter so if your price increase is down to them the only alternative is find a broker who does not place the policy with KGM - eg FMJ etc I'm with FMJ this year after Premium Choice whacked the premiums up to over £400 for the Stalwart and Landie - and declined the OT saying KGM wouldn't touch tracked armour. When I got the paperwork from FMJ for all 3 vehicles guess who the underwriter was - yep - KGM!!! Quote Link to comment Share on other sites More sharing options...
Lord Burley Posted February 3, 2009 Share Posted February 3, 2009 I'm looking to change insurance companys.As i suspect that when my renewal comes through from Premium,it will have gone up again.The only thing is.Do any of the other companys offer breakdown recovery? Quote Link to comment Share on other sites More sharing options...
ArtistsRifles Posted February 3, 2009 Share Posted February 3, 2009 I'm looking to change insurance companys.As i suspect that when my renewal comes through from Premium,it will have gone up again.The only thing is.Do any of the other companys offer breakdown recovery? No - but the firm who provide RoadSure/Premium Choice's cover will sell direct to you - I took it up myself this year. See post #10 in this thread: http://hmvf.co.uk/forumvb/showthread.php?t=10594&highlight=Breakdown+cover for the firms details and contact number. Quote Link to comment Share on other sites More sharing options...
Lord Burley Posted February 3, 2009 Share Posted February 3, 2009 No - but the firm who provide RoadSure/Premium Choice's cover will sell direct to you - I took it up myself this year. See post #10 in this thread:http://hmvf.co.uk/forumvb/showthread.php?t=10594&highlight=Breakdown+cover for the firms details and contact number. Cheers Neil. Quote Link to comment Share on other sites More sharing options...
REME 245 Posted February 4, 2009 Share Posted February 4, 2009 The comment about checking if Premium Choice have included key insurance and other totally non applicable items to your MV quote is good advice because they had done the same on my policy. Quote Link to comment Share on other sites More sharing options...
Richard Hughes Posted February 4, 2009 Author Share Posted February 4, 2009 Thanks all for the info I will do a bit more phoning round see what else I can get. I will let you know who I end up with. Richard Quote Link to comment Share on other sites More sharing options...
Simon Daymond Posted February 4, 2009 Share Posted February 4, 2009 something that has been completely overlooked I think, the premium is one thing, but what about when you have to make a claim? - surely that's the acid test with any of the insurers/brokers? Does anyone have any good/bad experiences to share? What's the point of a premium that's a few pounds if when you come to claim the cheap firm is lacking? Quote Link to comment Share on other sites More sharing options...
ArtistsRifles Posted February 4, 2009 Share Posted February 4, 2009 Thus far it would appear the underwriter is the same - KGM. As they are the ones that actually handle the claim, not the broker, it should be the same irrespective!! Quote Link to comment Share on other sites More sharing options...
Tony B Posted February 4, 2009 Share Posted February 4, 2009 KGM are a Lloyd's Synidicate. Unfortunatley they only work through brockers. I've had a lot of strange kit insured through them over the years. Quote Link to comment Share on other sites More sharing options...
Simon Daymond Posted February 5, 2009 Share Posted February 5, 2009 Although it may be the case that we are mostly insured though the same underwriter, in my experience, an insurance underwriter will invariably make you use your broker when a claim arises, as this is when the broker has to do the work they are paid for; either by us or through commission etc from the underwriter. It can be too easy to chase cheap deals; I think you should always weigh up the full picture. I have to deal with claims at work, we have had other brokers chasing our work, but don't entertain them as they fail you when you most need them. (that's not to say that Roadsure are any good) but I thought it wrong to focus simply on the price solely. After all, just because we do few miles, and are careful, doesn't mean that we won't encounter an idiot on the road. Quote Link to comment Share on other sites More sharing options...
Tony B Posted February 5, 2009 Share Posted February 5, 2009 Very true about the efficency of insurers re claims. The Volvo is insured with a well known company (claiming nautical connections) As far as claims go ************ usless! trouble is they are also about £200 cheapear than any other. :argh: Quote Link to comment Share on other sites More sharing options...
ArtistsRifles Posted February 5, 2009 Share Posted February 5, 2009 Following the business in Oct 2007 the first contact was with RoadSure to report the incident but then KGM took over entirely..... Quote Link to comment Share on other sites More sharing options...
Marmite!! Posted February 5, 2009 Share Posted February 5, 2009 Following the business in Oct 2007 the first contact was with RoadSure to report the incident but then KGM took over entirely..... Same here, RS were not interested in helping out & said it was all down to KGM.. Quote Link to comment Share on other sites More sharing options...
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