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Insurance

Elsa_jag
Posts: 1225
Joined: Wed Dec 30, 2009 10:12 pm
Location: Hunnington, West Midlands

Re: Insurance

Postby Elsa_jag » Thu Sep 22, 2011 8:22 pm

Thanks naki,

I went to wales with mark last weekend and didn't even think to ask him!

I'll pm him and see if he's happy to do it for me.

For info, I didn't pay any extra for agreed value insurance.
Regards, Carl

ImageImage
Elsa_1994 3.2 s/ 61000 miles/ VIN 698892
http://xj40.com/viewtopic.php?f=33&t=1195

xj12-rob
XJ40 Guru
Posts: 5895
Joined: Sat Jul 05, 2008 4:12 pm
Location: SCOTTISH BORDERS

Re: Insurance

Postby xj12-rob » Thu Sep 22, 2011 10:37 pm

Elsa_jag wrote:How do you guys handle agreed values?

I have renewed my insurance with Peter James, mileage 3k, 2 drivers, kept in garage and agreed value. Paid £179.00 :D

Problem is, to get the agreed value activated I must have a form completed by someone of reasonable responsibility within an owners club or an independant garage (independant garage want to charge for the service!), the form asks about condition and cost to replace vehicle in case of total loss.

I know people on here don't value these machines highly, but if a quick look on autotrader and ebay reveals rough examples £0+, good examples £1k+ and some real nice low mile rare cars at anything £2k to £10k - I don't want my car insured for replacement at £500. I know to replace my car with like for like I'm looking at around £2k.

I know from a past thread there was talk of having regional co-ordinaters - Would these be suitable people to countersign the form and verify condition of the car? If so, who looks after west mids?

this is one of the benefits of being in the JEC, Peter D James are one of the recognised insurers for the JEC, they give preferential rates, and the JEC will value your car for you at a cost of £12.00, any 40/300 valuation questions/disputes, under or over valuations usually land on my desk as well
if it ain't sideways, it ain't serious
93 XJ12
93 XJ12 SPORT
93 XJ12 SPARESx2
94 3.2 GOLD MAJESTIC
94 4.0 SOV MAJESTICx2
94 4.0 INSIGNIA
94 XJR MANUAL
97 XJR MANUALx2
93 XJ6 3.2 PAINT TEST CAR
06 X350 XJR

old del boy
Posts: 6873
Joined: Thu Jul 10, 2008 9:29 am
Location: Kent

Re: Insurance

Postby old del boy » Thu Sep 22, 2011 11:09 pm

XJ40-MARK wrote:sorry guys, had`nt spotted this :roll:
i`m not sure how other companies work, but with mine (lancaster), i have to pay £15 p/a for agreed valuation. you submit your own form on vehicle condition, work done and copies of any receipts you have. i also have to submit 6 photos of the car.
i each side
i front view (including number plate)
i rear view
i interior shot
i engine bay shot.

they generally agree with any valuation i send in, but for some unknown reason, they ALWAYS knock £100 off it, every year.
this year they agreed 2k for it, which i think is realistic and fare!

as regards carls insurance, i have no issue with helping him or anyone, but i do know that sometimes, if not mostly, they do insist that these valuations are done by someone who is of official status, i.e, mechanic, official club valuer etc.
my m8 who`s chairman of our club, often does valuations and they very often phone him and ask how he comes to these figures and he has to give explanations!


I have agreed value insurance on my best Daimler , i have to submit six pictures as Mark does and fill out a condition form too , there's no extra charge for this but without of course it's market value only and God knows how much that would be , i have valued mine at the price i paid for it which i reckon would be enough to replace with a similar condition car , the main worry in not having agreed value is in the event of an accident market value may be so low as to automatically mean it's written off , ie just a rear bumper shunt would be over a £1000 to fix so if the value isn't a lot higher than that it's written off .

I'm with Peter Best and have been for years , so far they're still the best for me ;)

Derek..
'93 4.0L Daimler, solent blue,
'93 4.0L Daimler, Westminster,
'85 2600 Rover sd1 vdp oporto.

edmillerxj40

Re: Insurance

Postby edmillerxj40 » Mon Jan 09, 2012 1:28 pm

guys keep an eye out for lancaster insurance, I'm only 26 and the insurance on my jag fully comp is ab £360 a year

naki_k
Super Moderator
Posts: 28912
Joined: Sun Feb 21, 2010 9:25 pm
Location: Kirton, nr Boston, Lincolnshire

Re: Insurance

Postby naki_k » Tue Jan 10, 2012 11:58 am

thats not bad for a 26yr old. i was paying closer to £700 when i was 26.
i use lancaster my all my lot now too
88 3.6 XJ6 PDH/CEM
90 Range Rover Vogue SE 3.9 V8 LPG
91 4.0 XJ6 Manual
92 4.0 XJR Manual
92 4.0 XJR
93 3.2s - 4.0 Manual conv
93 4.0 Sovereign
93 6.0 XJ81 DD6 x2
93 6.0 XJ81 XJ12
94 4.0 XJR
94 4.0 Daimler
96 4.0 X306 XJR
96 4.0 X300 D6
97 4.0 X300 Sport Manual
2000 LR Discovery ES TD5 A
Breaking 40/ 300

Jaguarsport
Posts: 4903
Joined: Wed Jun 10, 2009 1:52 pm
Location: Bedfordshire, England

Re: Insurance

Postby Jaguarsport » Tue Jan 10, 2012 12:24 pm

I'm on Lancaster too, circa £200. My car is a toy rather than my main car, I think if the insurance was much more than it is then I'd have a hard time justifying owning the car to myself.
http://www.jaguarxj40project.blogspot.com/
Alfa Romeo 159 Lusso 1.9 jtdm ('07)
BMW 120d Sport ('07)
Mazda MX6 2.5 V6 ('97)

BigCat40

Re: Insurance

Postby BigCat40 » Wed Feb 01, 2012 10:06 pm

I've just gone over to Lancaster. Around £120.00 cheaper than Adrian Flux for the same policy cover and better breakdown cover.

naki_k
Super Moderator
Posts: 28912
Joined: Sun Feb 21, 2010 9:25 pm
Location: Kirton, nr Boston, Lincolnshire

Re: Insurance

Postby naki_k » Thu Feb 02, 2012 6:56 pm

BigCat40 wrote:I've just gone over to Lancaster. Around £120.00 cheaper than Adrian Flux for the same policy cover and better breakdown cover.


they do generally seem top work out cheaper for most 40 owners it seems. always worth checking.
88 3.6 XJ6 PDH/CEM
90 Range Rover Vogue SE 3.9 V8 LPG
91 4.0 XJ6 Manual
92 4.0 XJR Manual
92 4.0 XJR
93 3.2s - 4.0 Manual conv
93 4.0 Sovereign
93 6.0 XJ81 DD6 x2
93 6.0 XJ81 XJ12
94 4.0 XJR
94 4.0 Daimler
96 4.0 X306 XJR
96 4.0 X300 D6
97 4.0 X300 Sport Manual
2000 LR Discovery ES TD5 A
Breaking 40/ 300

naki_k
Super Moderator
Posts: 28912
Joined: Sun Feb 21, 2010 9:25 pm
Location: Kirton, nr Boston, Lincolnshire

Re: Insurance

Postby naki_k » Sat Jul 28, 2012 10:38 pm

has anyone ever had their jag "written off" by an insurer for a relatively minor damage like a wing/ bonnet or bumper?
i hear of it happening so often, i find it somewhat alarming that this happens to these nice old cars. i dont quite know what the consequences are/ how easy is it to "buy it back off the insurer". the reason i say this, as dont they technically own the car, if you make a claim?

wondered whether anyone has any experience off this, and how it worked out in the end?
am just envisgaing if i had claimed on a dented wing on my 3.2s, woudl it have been witten off if the new price for a wing from jag is more than the vlaue of the car (most likely) :lol: :x

i was just looking at this 300 xj12 on ebay. its been written off for a cracked indicator and small ding in the wing/ bonnet. madness

http://cgi.ebay.co.uk/ws/eBayISAPI.dll? ... true&rt=nc
88 3.6 XJ6 PDH/CEM
90 Range Rover Vogue SE 3.9 V8 LPG
91 4.0 XJ6 Manual
92 4.0 XJR Manual
92 4.0 XJR
93 3.2s - 4.0 Manual conv
93 4.0 Sovereign
93 6.0 XJ81 DD6 x2
93 6.0 XJ81 XJ12
94 4.0 XJR
94 4.0 Daimler
96 4.0 X306 XJR
96 4.0 X300 D6
97 4.0 X300 Sport Manual
2000 LR Discovery ES TD5 A
Breaking 40/ 300

babulio
Snr Member
Posts: 729
Joined: Thu Dec 02, 2010 7:43 pm
Location: Babulia

Re: Insurance

Postby babulio » Mon Nov 24, 2014 10:43 am

naki_k wrote:has anyone ever had their jag "written off" by an insurer for a relatively minor damage like a wing/ bonnet or bumper?


Yes - another driver in a hire car reversed hard into my Sovereign in a petrol station forecourt a few years back mashing up the XJR fibreglass bumper that was fitted and bending the grille (so I couldn't open the bonnet - which also got scratched). I never bothered making a claim - but did get an estimate for fixing it all.
I also reported the incident to the police as the driver seemed disproportionally upset about what had happened.
Bought a s/h grille (£20), touched up the scratches on the bonnet, bought a new XJR bumper (The old one was pretty past it anyway - but I never fitted the new one and it is still hanging in there) and forgot about the whole thing.
Many months later out of the blue I got a letter from AIG offering to settle up.
I showed them the estimate and they told me that the car would be a cat C write off which would be recorded on file. They came to inspect the car and valued it at £800 or so. I persuaded them to up it to I think £1100 and let me keep it.
Got paid (free car) but it now needs a VIC to get road tax via the internet (I have to go to the Post Office) and If I sell it the next owner will need a VIC before they can obtain a V5. I am curious to see if the new tax arrangements will affect this car (I think I can still go to the Post Office).
1995 Suzuki Baleno 1.6 GLX


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