Carole Gnash does it again...

Auntie sent a renewal quote of £187.43 FC, £75 excess on my K11RS with
groupama.

Went to the site and got £119.40 FC £200 excess with the same mob.

WTF?

The search continues...

 

as much as their practices are annoying, it is difficult to find something
better value with a premium that low, once you factor in the "no age
limit" Euro breakdown cover.

My R-GS is now past its 10th birthday and some breakdown firms won't touch
it. £103 full comp with breakdown cover was a no brainer at renewal time
earlier this month.

 

I agree - I just wish they'd stop fucking trying it on, and just send
a proper quote, rather than adding £18 to last year's price.

 

They're a menace ..

Paul.

 

Well, as the excess increases, the premium payable decreases.
Generally.

Give them a bell and get them to confirm that quote. That's what I did
and it got even cheaper (they didn't have a drop-down selector for my
Bandit, it's too old) as OTOH, my Bandit is a "Modern Classic" by their
age rating scheme. Remember - there's no broker's fee with Groupama,
as CN is wholly owned by them - so that's thirty quid in your favour
straight away.

Having experienced their claims dept and their recovery service more
than once, I wouldn't look much further TBH, unless somebody decent
will undercut that with breakdown cover thrown in.

 

Go with the web quote. I tried all the usual suspects after getting my
renewal and getting a CN online quote was easily the cheapest option
when the whole bundle was taken into consideration.

Conversely - I am looking to insure a late 2004 Mondeo 1.8LX or early
04 2.0 Ghia in the near future. I'm fucked if anyone but Axa can quote
me anything reasonable for the Ghia. CN have come up with 643 quid, and
the majority are over 500. Axa quoted 377 so it looks like they'll be
getting my money.

I think the 1.8LX is going to be the one I get as it is really nice
condition and lower miles/newer than the 2.0 Ghia and doesn't really
lose out too much on the spec when compared.

Ghia spec -
http://www.wisebuyers.co.uk/motoring/car-specifications/Ford/Mondeo+(2
000-05%29/FO007450/


LX spec -
http://www.wisebuyers.co.uk/motoring/car-specifications/Ford/Mondeo+(2
000-05%29/FO008028/

I only have 1 yrs NCD from when I owned the Micra and Maverick, most of
the time I have company cars, so need to keep insurance costs down
somehow.

 

Yeah, I get that - but I've never seen such a large drop, usually just
a tenner.

I'll be doing that, but I have time - snot due until 9/7/10.

I got £115, through a screenscraper with a mob called M.C.E. same
excess, breakdance thrown in...

Unless I get somewhere with the likes of NFU or FootmanJames, or
whatever, I'll try cajoling Gnash into some form of submission. I just
hope I can hold my temper, when they try to flog me loads of other
shit... :-/

 

I'll second that. Even when I threw my SV under that Accord, CN were
very on the ball and the claim was sorted and paid within a couple of
weeks, and the bike was back on the road after being rebuilt by myself
within 4 weeks of the crash. They've also recovered me and the bike
back to home on a number of occasions, that one included.

 

I usually take out helmet and leathers cover, because it also covers me
on trackdays where the chances of wrecking 750 quids worth of MJK M2M
suit and an Arai lid are higher than they are on road. I'll only get
back up to a grand to cover them, but that's better than a kick in the
balls.

 

My experience is good too, when I was knocked off my MZ some years ago
the claims dept. was good and the recovery service is excellent - both
domestic and European.

 

maybe you'd get a discount for wearing a red and black striped jersey.

 

A few years ago we found the difference between an LX Mondeo and a Ghia
to be about £100 ... £209 for the LX, £300 for Ghia. Not worth it IMHO
for a few minor extras so went for the LX.

 

Two crashes, one of which had me ambulanced to hospital while the bike
went the other way to my home, the other rendered the bike unrideable
so me and it went home by van. I also blew the 250RS up on the M25 at
90mph and another time the 350LC I owned when I first started posting
here famously expired down in Somerset at Windy's funeral[1]

[1] I pulled into the car park after a number of small seizures[2]
along the route, being caned mercilessly through some of the shittiest
weather I've ridden in and then the engine went "DONK" and refused to
go any further. Got me there though.
[2] I decided that if it was fucked it was fucked, so may as well keep
caning it and get as far as I can. If it blows up completely I can kick
it into a ditch and ride bitch with Pip. It did probably another 100
miles of flat-out M5 riding in horrendous rain before it died at the
crematorium

 

This is my thinking, when you compare the specs the Ghia doesn't really
give you that much extra. There's plusher cloth trim and a few extra
lights in footwells, rear electric windows (not that I give a **** if
the passengers don't have the luxury of electric ones) and some chrome
trim slapped about - that's about it. There's virtually no useful
difference between Ghia and Zetec spec either, nothing that would make
me say "I really must have that higher spec"

 

I well remember that trip. Stair-rodding it was, for miles and the
drainage had been completely overwhelmed, giving rise to not just
standing water, but running water across all three lanes. I remember
riding alongside you, seeing the left hand poised over the clutch,
ready to whip it in hard when the engine seized the next time.

I also recall the BMW racing me when I was Tailend Charlie, coming
right up my arse at the ton+ in lane 3 in inch-deep water, when my
Bandit went "DONK" and looking at the trip meter showing exactly 100
miles realised I'd just run out of fuel. Finding the reserve tap, let
alone turning it turned out to be interesting in those conditions,
especially with that Beemer a foot off the back tyre.

It was fucking impressive standing in the crem, along with a great
bunch of others all along the back wall, all creating bloody great
puddles on that lovely shiny parquet floor as Mr Goretex's finest
released what we'd absorbed on the road.

 

I didn't think 2 crashes plus a 150K mile old shiter and a 2-stroke
both going bang would be too excessive

 

My TZR did a similar trick the last time I killed it. It died at
Toddington services but some enthusiastic stamping on the kickstart got
it running again so I thrashed it home to Kent.

It seized at the top of my driveway so I pulled in the clutch, coasted
to the garage and left it there til a mate offered to buy it off me.

 

Go with the web quote. I tried all the usual suspects after getting my
renewal and getting a CN online quote was easily the cheapest option
when the whole bundle was taken into consideration.

Conversely - I am looking to insure a late 2004 Mondeo 1.8LX or early
04 2.0 Ghia in the near future. I'm fucked if anyone but Axa can quote
me anything reasonable for the Ghia. CN have come up with 643 quid, and
the majority are over 500. Axa quoted 377 so it looks like they'll be
getting my money.
[/QUOTE]

Jeez, and I thought NG2 was a bad postcode area[1], I'm paying less than
that for a non-garaged 58 Accord fully comp including business use.

[1] We live in the nice bit but NG2 is so bloody big the one crap area
drags us all down, we're actually paying more here than when we lived in
B90.

 

I remember saying at the time that they should have chucked it in with
Windy, and Bear threw a major wobbly.

 

I've got zero NCD - had company cars for years.