Sorry to hear you weren't happy with your quote although it is good to see the significant saving against REIS.
Caterhams, just like all other vehicles when it comes to insurance, are looked at based on which one you have whether that's a supersport or a superlight for example, varying models with different power outputs will rate differently. With the overall premium being determined on the risk as a whole with factors such as postcode, where it's kept, age, experience, mileage, usage of the vehicle.. The list goes on!
Club schemes and bespoke policies are in place to help give you the right cover at a competitive price for this type of car, so we try our best :) As said above, no 2 risks will be exactly the same to compare against on a forum. Someone may do the same miles and be the same age for example but live in a much rural area or have owned their vehicle a lot longer. This does make a difference as with the specialist insurance market, experience and length of ownership is a rating factor with an influence on premium.
I hope this helps, if you have any questions in regards to your quote or the cover included you are welcome to message me as obviously I can't disclose policy details publicly for data protection reasons.
A-Plan Specialist Vehicle Insurance (THATCHAM BRANCH)
A Plan Thatcham at the moment, and they just got me 100 off my house insurance as a result of a discount they provide as the 7 is with them, beating comparethemarket.
Also used REIS and MSM previously, and both were very good.
R400D with RBTB & other 'bling'. Insured with A-Plan Thatcham since build 2013. Premium has been a a constant £190 + £40 ish for breakdown/recovery cover.
Agreed valuation through Guy Munday with never a quibble from A-Plan. Track day cover is about £200 with engine & gearbox damage cover.
I am now on the free NCD protection scheme.
As has been discussed here providers & underwriters seem to have a different approach to Sevens dependent on the 'risk' restrictions laid down.
A-Plan is only one of two who will insure my car - REIS would but the premium is ridiculously high. In fact I reckon they were having a joke!
Whomever you manage to insure with the value from the provider only becomes apparent when one needs to claim. In my case the argument with Marker Study as to if the windscreen frame is part of the body or not. I am willing to let that one go as how often is a frame bent?
Sorry I'm not trying to be clever, catch anyone out or be pedantic, but having worked in the IT side of insurance for over thirty years (and still needing therapy)....
companies like A-Plan, REIS ,Adrian Flux, MSM etc. are insurance brokers, not the actual insurance companies who are underwriting the risk/paying the claims etc. The actual insurer should be named in the small print at the bottom of your motor certificate.
Different insurance companies can view certain risks in different ways, more so with specialist types like Caterham's, plus the insurers can have differing arrangements with the different brokers with regards to discounts / commission rates etc. , and finally the overall cover you require may be provided via separate insurers e.g if you have legal expenses, personal accident etc.
Hence why you can get what at times seem wild variations in quotes for what seems the same cover for your vehicle.
Thanks for posting the Insurers table! It was most helpful.
I've just got mine insured with Academy Insurance 01384 214544 for a stupidly good price. I spoke to Tom.
I think with car insurance , especially " specialist " car insurance you just need to shop around and see whats best suited to your particular circumstances .
I am with Lloyd and Whyte ( sp ? ) and have been for years because they offer the track cover i need and the premiums have been competitive ( for me ) I did try A Plan this year , different brokers ,same insurer .A Plan were nearly 50% higher !
Maybe i am fortunate but after a long relationship L and W will insure my 620, £50K declared value including track cover for £315 . London Post code . Seems fair to me .
As said phone round ,but if one was a lot cheaper ,,I would not automatically go for that one ,,the thing is on this site there is such a variety of members all insured with diff companies,all recon there the best ,,,the only way you will find out how good is when you have to claim ,,,,I'm with flux been with them last six years premiums good as any other ,but not had claim yet ,
I also tried A plan but got the office cleaner I think ,they were more bothered about insuring my van and other car as one lot ,,gave up in end ,,,got to say carlie mailed me and said she would look into it ,,,then her boss phoned me apologies for The service I received,said when due next time will ring me give me good quote ,,what pisses me of is that with insurance companies ,,there is no loyalty to stay with one company