15 replies to this topic

[Ironside]

I have got a new Mercedes sprinter van an order. It is a CDI 183 2.9 L. I am having space drive technology fitted so I can drive it. The total cost of the conversion including vehicle will be around £65,000. I have 14 years no claims bonus and am 37 years old.

I got my quote through this morning from the insurance company. I am having the whole cost of the vehicle insured including adaptions.

I wonder which one of you can get closest to how much my annual premium will be?

I have been driving a Chrysler Voyager 3.3 L with similar controls. The car was valued at £38,000 and I was paying just less than £500 a year

Edited by Ironside, 01 November 2006 - 01:41 PM.

[Zammo]

Well I guess it must be something astronomical otherwise you wouldn't have bothered posting it.

I'm going to guess at £2,000 a year.

[Simon]

We have a Traffic bought last year, with rear access for two w/chairs plus seating 7. Cost 30,000€ (£21,000).
Insurance is 1,200€. So I guess you'd be £2,600 (4%) of value.

[Ironside]

Wrong!

Due to the fact I haven't claimed in 15 years and I'm sure my age helps, the insurance will actually be £549. I was absolutely amazed as well.

[Simon]

So who is the insurer?

[Ironside]

Been with them ever since I started driving. Couldn't find any other insurer that was as reasonable as Fish insurance. I still think there is discrimination amongst insurance companies. As soon as they find out you are disabled, the price gets bumped up. I find it so annoying. I took my driving test like anybody else. I had no favours and it wasn't made easier. In fact, I think that disabled people are probably better drivers than a lot of able-bodied people. I know I am as careful as I can me because my car is my lifeline to the outside world so I'm certainly not going to be stupid and smash it up .

Fish insurance

Edited by Ironside, 01 November 2006 - 06:46 PM.

[Zammo]

Wow that's really good for such an expensive vehicle. I was sure it was going to be some outrageous amount.
Nice one!

[Ironside]

Knowing the way my luck has gone for the last two years, the insurance company will ring me up and tell me that they have unwittingly missed a 1 of the beginning of that amount.

[MargaretWilson]

That is a really good price. I was thinking that I was going to be astounded but I'm not. It sounds like you're going to have a nice ride that you can really enjoy sometime soon.

[curbyi]

Is there anyone else out there other than fish?
Quoted today £519 for a 10 year old Renault Kangoo with the same amount of no claims years.
i dont drive so the cover is for family and any other driver over 25.

Seems a little steep to me just seems FISH have the whole market.

Can anyone else in the U.K offer up a alternative??

curbyi, on Feb 12 2009, 08:58 PM, said:

Is there anyone else out there other than fish?
Quoted today £519 for a 10 year old Renault Kangoo with the same amount of no claims years.
i dont drive so the cover is for family and any other driver over 25.

Seems a little steep to me just seems FISH have the whole market.

Can anyone else in the U.K offer up a alternative??

See Kevin Peterson thats how to get to 100 without throwing your wicket away so follow my example and do it tomorrow!!

Edited by curbyi, 12 February 2009 - 09:04 PM.

[Bandy]

try chartwell insurance, i swapped to them from fish

[russ1]

Ironside, on Nov 1 2006, 06:45 PM, said:

I still think there is discrimination amongst insurance companies. As soon as they find out you are disabled, the price gets bumped up. I find it so annoying. I took my driving test like anybody else. I had no favours and it wasn't made easier. In fact, I think that disabled people are probably better drivers than a lot of able-bodied people. I know I am as careful as I can me because my car is my lifeline to the outside world so I'm certainly not going to be stupid and smash it up .

Is this really true? or is it the case that as soon as they find out you've added £30k worth of adaptations the price gets bumped up. I only say this as my insurance didn't increase at all when we informed them that I had become disabled and was now driving the same car with hand controls, nor my wife's when when we informed them (direct line). Your new quote seems to back this theory up. A quick look round google shows the voyager as insurance group 16 and the merc as something around 2 or 3 groups lower - add on the fact it's newer and costs a bit more and you're back to a similar amount to your voyager so pretty sure there's no error.

Curbyi - your quote doesn't sound too bad considering you've insured the car for any driver over 25 - given that the insurance company can't know the insurance history of any driver you might allow to drive. I suspect that if you restrict the policy to named drivers only you'll get a much lower premium, especially if the ages of the named drivers are significantly higher than 25.

[curbyi]

russ1, on Feb 13 2009, 09:52 AM, said:

Ironside, on Nov 1 2006, 06:45 PM, said:

I still think there is discrimination amongst insurance companies. As soon as they find out you are disabled, the price gets bumped up. I find it so annoying. I took my driving test like anybody else. I had no favours and it wasn't made easier. In fact, I think that disabled people are probably better drivers than a lot of able-bodied people. I know I am as careful as I can me because my car is my lifeline to the outside world so I'm certainly not going to be stupid and smash it up .

Is this really true? or is it the case that as soon as they find out you've added £30k worth of adaptations the price gets bumped up. I only say this as my insurance didn't increase at all when we informed them that I had become disabled and was now driving the same car with hand controls, nor my wife's when when we informed them (direct line). Your new quote seems to back this theory up. A quick look round google shows the voyager as insurance group 16 and the merc as something around 2 or 3 groups lower - add on the fact it's newer and costs a bit more and you're back to a similar amount to your voyager so pretty sure there's no error.

Curbyi - your quote doesn't sound too bad considering you've insured the car for any driver over 25 - given that the insurance company can't know the insurance history of any driver you might allow to drive. I suspect that if you restrict the policy to named drivers only you'll get a much lower premium, especially if the ages of the named drivers are significantly higher than 25.

All good points russ.
i need the flexibility of any driver so i can rotate the dessy driver!
i just wish the market would open up more with the house hold names willing to offer cover, as at the moment they wont even offer a quote.

Edited by curbyi, 13 February 2009 - 10:13 AM.

[Scribbler]

I'm C4/5 and used to drive a Nissen Bluebird with simple adaptions. Its just before I stopped driving, so its going back 15 years but even then it was £300 insurance with Fish.

I don't drive anymore but now have a VW Sharran with Brotherwood rear entry conversion so I sit in my wheelchair; around £27,000.

I've never EVER had a claim in all the years we've had cars but my insurance with Fish is over £600.

I've tried Chartwell but changed to Fish, but like all Insurance Co's, they'll give you a lower quote than another Co for the first year then bump it up later on.

£65,000 for a vehicle, wow! You must have some money Ironside.. Can you spare any?...

[curbyi]

Bandy you legend i owe you beers galore.

Fish quote today £596

Chartwell £319

Went back to Fish said they could take a futher 5%

I said goodbye.

[Bagpuss-wheels]

curbyi, on Feb 13 2009, 05:08 PM, said:

Bandy you legend i owe you beers galore.

Fish quote today £596

Chartwell £319

Went back to Fish said they could take a futher 5%

I said goodbye.

Hi,

I'm currently insured with Fish Insurance. I currently have no adaptations to my (automatic) vehicle and needed an 'any driver' policy as I'm not yet driving myself again. Fish quoted over £100 less than the broker I had been with could find anywhere (and the broker used to be much cheaper than the main companies direct.) Had never tried a specialist insurance company before. Chartwell wanted a wee bit less than the £270ish which Fish wanted but I was not happy that Chartwell wouldn't send a written quote ("We DON'T do that!" said the person at Chartwell!)


My current manual wheelchair is insured with Fish too. (Having said that, when I get my new DaVinci chair (with Spinergy wheels and Yamaha add-on push-assist powered wheels), I will be insuring that through Chartwell, as Fish said that the Yamaha wheels "would not be insured if they were taken off at all"! - thus negating the whole point of 'add-on' wheels that they could be removed for transport and that they can be swapped with manual wheels when necessary (such as round my flat as the doors are not wide enough otherwise)!


It's always worth checking places like 'Fish Insurance', 'Chartwell Insurance' (and even 'EnRoute Insurance' - aka 'Chris Knott Insurance') - they don't use the comparison websites so you do need to call them yourself. For different peops (and different vehicles), you will find that the cost of policies will vary (and if you want an 'any driver' policy too, that changes the cost of cover). It's amazing how much less a policy with Fish/Chartwell can be than through a different ('standard') insurance broker or even direct with the main insurance companies - and with cover included for any adaptations (if you have/need them) too.

Best wishes,
Cat

>^..^<

http://www.fishinsurance.co.uk/

http://www.chartwellinsurance.co.uk/

http://www.enrouteinsurance.co.uk/

Edited by Bagpuss-wheels, 16 February 2009 - 04:18 PM.