Laid up Insurance

carsreunited · 23 Feb 2005, 00:17 (Ref:1232992)

Apart from Competition Car Insurance, are there any others out there doing it? I'm having a hell of a time trying to find someone.

It's for a racecar garaged 1 mile from my home. It's not going to be used on the road at all so is strictly fire and theft cover. I've been quoted £450 on a 22k value. Is that reasonable in your experience? Seemed a bit steep to me.

Recommendations greatly appreciated.

Thanks.

Scott

MikeM · 23 Feb 2005, 08:58 (Ref:1233232)

I use David Auden and pay about £50 for £5,500 value. That makes your quote seem a bit high?

ActiveMS · 23 Feb 2005, 10:02 (Ref:1233288)

Quote:

Originally Posted by MikeM

I use David Auden and pay about £50 for £5,500 value. That makes your quote seem a bit high?

How about posting their details?

MikeM · 23 Feb 2005, 11:14 (Ref:1233388)

They're all at home. Checking on google -
David Auden and Associates
Maple House
Maple Road
Bramhall
Stockport
SK7 2DH

0161 440 7590

If you need more, I'll have to look it out tonight.

carsreunited · 23 Feb 2005, 19:22 (Ref:1233791)

Thanks for that Mike. I'll give them a call tomorrow. I was expecting it to be about £250 which is closer to the figure you pay. We shall see.

Scott

MikeM · 24 Feb 2005, 09:09 (Ref:1234220)

I hope it's good, but my renewal's nearly due again so I hope it hasn't gone up too much!

carsreunited · 24 Feb 2005, 11:06 (Ref:1234335)

http://www.moris.co.uk/

David Auden couldn't do laid up cover but gave me the details of a company called Moris.

Filled in the online quote and 5 mins later I get my quote. £247.00 for 22k cover, and 1k cover for my trailer. £250 excess. I was more than happy with that so paid on line and now its covered.

Its quite a good system as you can manipulate the excess and any equipment cover you want, hit the button and it adjusts the quote instantly.

Thanks for the help.

MikeM · 24 Feb 2005, 11:20 (Ref:1234345)

Glad it helped, wonder what will happen when my renewal comes?

carsreunited · 24 Feb 2005, 12:32 (Ref:1234408)

I think they said they were working on being able to offer it. I asked them what they did do and they said something about providing cover for race cars that drive to and from 750MC type events???

listernoble · 26 Feb 2005, 16:49 (Ref:1236706)

Equity Red Star-Specialist Car Division
PO Box 3203
Brentwood
Essex cM14 4GG 0870 111 8963

I pay £157 For loss,damage fire and theft of car in garage ,and in trailer
£20k single seater
£5k trailer home and away
£2k tools and equipment while away from home

Narurally, there is no race cover!!
Brilliant people,and it will cost roughly the same again for each extra race car.

Lister

schomosport · 26 Feb 2005, 17:23 (Ref:1236725)

And for those of us further down the food chain:
Car = £6000
Trailer = £2400
Spares = £1200
The moris premium was £110 (today). I think this is their minimum premium.

I have settled for keeping my fingers crossed most of the time I've been involved in motorsport but investing in a rather more expensive trailer finally swung it for me. It has both hitchlock and wheeel clamp but I have to park it on the driveway. Security devices are all very well but few will withstand a PLANNED attack for more than a few minutes. Always seems to me the fewer the people who know what you have and where you keep it the better.

listernoble · 26 Feb 2005, 17:59 (Ref:1236738)

When I queried the insurer's requirement for a wheelclamp as I already had a double hitchlock,I was told the thieving bas****ds onbolt the hitch complete with all locks and replace it with their own hitch.
Thus the increase in trailer wheelclamps.
Lister

Hawke · 2 Mar 2005, 20:24 (Ref:1240393)

I know its the wrong country but my cover is $25,000 car, $545 premium including race cover or $160 no race cover. $2,000 trailer - $80 premium.

**dtype38** · 3 Mar 2005, 16:55 (Ref:1241317)

Quote:

Originally Posted by listernoble

When I queried the insurer's requirement for a wheelclamp as I already had a double hitchlock,I was told the thieving bas****ds onbolt the hitch complete with all locks and replace it with their own hitch.
Thus the increase in trailer wheelclamps.
Lister

I wonder if they would count the high tensile steel chain welded to the trailer a-frame which I padlock to my tow hitch which is welded to the car??

Suppose the fartherless ones might have a disc-cutter

listernoble · 3 Mar 2005, 17:39 (Ref:1241358)

Quote:

Originally Posted by dtype38

I wonder if they would count the high tensile steel chain welded to the trailer a-frame which I padlock to my tow hitch which is welded to the car??

Suppose the fartherless ones might have a disc-cutter

How does that help if the trailer is parked without the tow car?
Lister

**Tim Falce** · 3 Mar 2005, 19:59 (Ref:1241540)

My insurance company only wanted one form of lock and weren't bothered what bit was locked. I have a wheel clamp and a hitch lock but I suppose round here they would just use a Hiab and lift the trailer away when it is not hidden in my woods.

carsreunited · 3 Mar 2005, 22:17 (Ref:1241702)

Hidden in the woods with a guard camel?

I might try the old camouflage and foliage trick with my trailer. Has anyone just removed the wheels from there trailer or do the scallies turn up with their own? With a Hiab it wouldn't matter I know.

**Tim Falce** · 4 Mar 2005, 08:22 (Ref:1242061)

Quote:

Originally Posted by carsreunited

Hidden in the woods with a guard camel?

I might try the old camouflage and foliage trick with my trailer. Has anyone just removed the wheels from there trailer or do the scallies turn up with their own? With a Hiab it wouldn't matter I know.

Guard horses actually but I do use camelflage netting on it. Due to a lot of nocturnal pikey activity in the area I don't feel this is enough so I have had to move it temporarily

**dtype38** · 4 Mar 2005, 09:26 (Ref:1242118)

Quote:

Originally Posted by listernoble

How does that help if the trailer is parked without the tow car?
Lister

The trailer stays in my garage when its not attached to the back of my tow car. The only time I left it at a track without my tow car I used the chain to attach it to a railing..... or was it to Falcmob

FilW · 6 Jun 2005, 23:21 (Ref:1321928)

A word of caution to anyone insuring their car and tools. Make sure you have adequately cover in place especially for you tools and spares. The car and trailer are fairly easy to value but I was caught out by the tools and spares value because they had been built up over a period of time. When my garage was broken into a few weeks ago and the theiving burberry wearing b@stards drove off with a load of my stuff I found out I was woefully undersured.
Insurance companies being what they are originally said they would only pay out for 33% of the claim using the "average clause" to justify this, despite that being lower than the insured amounts. Thanks to the brokers hard work (www.moris.co.uk) they raised their offer to slightly above what I was actually insured for (but not nearly covering the total loss).
I would highly recommend Moris insurance but make sure you are fully covered!

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