Insurance for the road

[Colin McKay]

Any suggestions where I might source cover for a race car which might be occasionally used on the road? Existing insurers (Footman James) will not cover a car for road use "if it's also used for motor sport" which is a bit of a surprise given the percentage of roadgoing classics that take part in some form of sport or other. They will offer a fire & theft/laid up policy, which at £400+ is twice the price of other fully comp policies I have with them! Seems crazy.

[Tim Falce]

Eggar Lawson

[Derwent Motorsp]

Seems add as there are of course all types of rally car that get used on the road, both historic and modern. They have "normal" road insurance and then pay an extra fee when they are on an event via the organisers.
My FIA MGB is insurance via Peter Best and it's only for 1000 miles a year but they have it's full spec and it's £110 p.a.

[Farbrooke]

try http://www.reis.co.uk/

[skentellytubby]

http://www.diamondinsurance.net/

I use them in exactly the same way as you wish to, racing and some very sparse road use.

This isn't the Diamond that only insure women by the way, it's Diamond Insurance Consultants in Tring. Very small and helpful company.

[Peter Mallett]

You could try these too. http://www.flickr.com/photos/4098191...7626069083713/

Don't know if they fit your needs but they insure my cars and trailer in the paddock, storage and travelling between races etc. Just not track damage. You need extra cover for that and I'd look at Towergate or Eggar Lawson for on track stuff.

[Peter Mallett]

Well I'm sure you'll agree those are very nice pics but perhaps these will be better for insurance purposes.

http://www.hagertyinsurance.co.uk/Cl...rance-overview

[tim dodwell]

Reis I think is Richard Egger Insurance, very helpful and Lisa there will give you a good quote.

[Nick JM]

Believe it or not but there is an outfit called "Competition Car Insurance". I have insured the 'B for about £140. I am at mum and dad's in Nottinghamshire at the moment (back end of beyond village but totally cracking boozer with great ale [Gordon S would be proud except there is no Larkins] and great people) so I cannot post the address but will do when I get back to the office on Monday

[terence]

Would have thought it to be worth a bit more than that Nick?

[Tim Falce]

Originally Posted by Nick JM

Believe it or not but there is an outfit called "Competition Car Insurance".

That's Eggar Lawson.

[Mike Bell]

Bit late to the party but Hagerty seem to be very much on the ball currently. As we all know things can change from year to year, but they have not given me cause to look elsewhere for the last 3 or 4 years.

Have cars insured for road, as well as some for competition use only, and all on one policy. Not a problem to cover same car for road and competition. Bonus last year that Tour Britannia cover (road risks obviously) didn't require any extra premium.

Would stress though that they don't include cover while racing- just fire & theft, in transit etc.

[gt917]

Like Mike, i,ve been with Hagerty for last few years.

Cannot fault them.

[Colin McKay]

Thanks for all the suggestions, looks like I'll be on the phone all day. Very disappointed with FJ's response though, are they just going for volume now they're part of Aon? You'd think they'd have something to offer. And after being on hold for an age being passed from one department to another I never want to hear bloody Four Seasons again!

[gary396]

Originally Posted by Colin McKay

.....I never want to hear bloody Four Seasons again!

I always thought they were better with Frankie Valli since they split up with Vivaldi.

[zefarelly]

COlin

I agree, they've gone down the pan, although if you hang on long enough you get to hear 'the night' which is a great track

[Mike Bell]

Originally Posted by gary396

I always thought they were better with Frankie Valli since they split up with Vivaldi.

Very good for a sunday morning!

Colin, ring Hagerty first- you may not need to make another call

(In interest of fairness- other insurers are available )

[Peter Mallett]

And don't forget, your home is at risk if you set light to it!

[Colin McKay]

Your home is also at risk if you keep buying more racing cars

[Mike Bell]

Originally Posted by Colin McKay

Your home is also at risk if you keep buying more racing cars

Funny you should say that......

[zefarelly]

Originally Posted by Colin McKay

Your home is also at risk if you keep buying more racing cars

your marriage is at risk if you come home with more cars!

[Nick JM]

Tim's right ! Competition Car Ins IS Eggar Lawson

[Colin McKay]

All fixed up with Hagerty with what seems like an excellent deal. Spoke to an obvious enthusiast. "Keep it in a barn or something do you?" vs other's expectations of time locks, tank traps and razor wire.

Thanks to all for the advice, a good result.

[Mike Bell]

Originally Posted by Colin McKay

All fixed up with Hagerty with what seems like an excellent deal. Spoke to an obvious enthusiast.

That is the difference when I have spoken to them. They know what the cars are, what an HTP is and that most of us look after our toys.

[SAMD]

Originally Posted by Mike Bell

and that most of us look after our toys.

So that we can thrash them to death on track