VOC Insurance criteria roundup

[ChrisKnottIns]

I thought it might be useful to remind members of our access criteria as this features in most of the questions I'm asked on the forums. These are the terms given to us by insurers to ensure the scheme works for them and as many of you as possible. Most of these are based on the insurers' risk assessment and claims experience.

Driver Age
This is the main factor that affects whether we can offer a quote. Remember we can insure all the cars in your household, not just the car that inspired you to join the club/forum, so I'll talk generally as well as specifically.

Generally we can insure drivers from age 19 on low powered, low spec, entry level cars under 1100cc such as Renault Clios, Peugeot 106s, that sort of thing - but what about other models and more specifically, this forum's models?

For most models age 22 is fine but for this forum's performance models (R Design and similar) we'd need you to be 23 with 6 months' experience of the car or one like it (T4/D4/T5 in R Design/SE = 23 with 12).

Apart from age, what are the other requirements insurers place on us to keep the scheme viable, regardless of the model of car?

Modifications
At Chris Knott we love modified vehicles. However, insurers won't allow us to cover vehicles with roll cages, NOS or bhp increases of more than 100 over stock. I know!

No Claims Bonus
We need you to have at least one year's NCB before we can quote and have been fault-claim free for 12 months (outstanding/unsettled claims mean we can't quote even if you're not at fault).

Points/Convictions
For new policies there is a cap on convictions - we can cover you if there is no more than one SP/PC/PL offence per driver within the last 12 months.

Overnight Parking
For some of the riskier postcodes there is a requirement that the car is parked off road overnight, though for some postcodes the insurer goes further and requires garaging. When assessing postcodes we include the first digit after the space so you're less likely to be affected by a poor neignbouring postcode.

Value
Unfortunately the scheme is not competitive for vehicles valued over £40k though we do have other facilities available, especially for high performance sportscars/supercars that mean we might still be able to help.

If you can comply with this criteria we'd welcome the opportunity to find you a better deal through the scheme which is exclusive to members of car clubs, forums and enthusiast groups. And if we can't help you it's nothing personal. Insurers are looking for safer business of course.

QUOTELINE: 0800 023 4374

best,
Nick


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[StatusRed]

Why do you need to be over 23 to be insured for R-design vehicles? Also why do you consider "R-design" to be "performance"? It's merely a badge and a few bits of plastic :S

[ChrisKnottIns]

R Design models tend to have higher bhp and 23 isn't an unreasonable place to start. We're specifically referencing the T5 R Design, T4 R Design and D4 R Design for more experience as, looking at the V40 for example, they have between about 174 and 245bhp.

Please re-read the opening paragraph as to why insurers make these rules.

best,
Nick

[StatusRed]

Originally Posted by ChrisKnottIns

R Design models tend to have higher bhp and 23 isn't an unreasonable place to start. We're specifically referencing the T5 R Design, T4 R Design and D4 R Design for more experience as, looking at the V40 for example, they have between about 174 and 245bhp.

Please re-read the opening paragraph as to why insurers make these rules.

best,
Nick

I think you're getting confused between "R" and "R-design". For example I've seem multiple 1.6 and 1.8l "R-design" Volvo S40s but my 2.0l (non "R-design") car is more powerful; I just don't understand the logic.

Unless you're saying it's not about the power and instead it's more about the mindset of choosing a car with a pointless spoiler?

[ChrisKnottIns]

http://www.parkers.co.uk/cars/review...atchback-2012/
V40 T5 (245bhp) R DESIGN Nav 5d Geartronic is quoted as 241bhp
V40 D4 R Design 5d Geartronic is quoted as 174bhp

There are other models with high bhp such as D4 (190bhp) Momentum 5d Geartronic which is quoted as 187bhp. These are just examples, not an exhaustive list which is why I put R Design or similar in terms of performance.

[StatusRed]

Originally Posted by ChrisKnottIns

http://www.parkers.co.uk/cars/review...atchback-2012/
V40 T5 (245bhp) R DESIGN Nav 5d Geartronic is quoted as 241bhp
V40 D4 R Design 5d Geartronic is quoted as 174bhp

There are other models with high bhp such as D4 (190bhp) Momentum 5d Geartronic which is quoted as 187bhp. These are just examples, not an exhaustive list which is why I put R Design or similar in terms of performance.

Okay, as long as you know that R-design is a type of trim not a performance indicator in itself.

[volvoid]

I bet some insurers consider it an indicator of driver attitude.