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Re: Classicline Insurance [Re: ] #1566779
17/03/2016 15:42
17/03/2016 15:42
Joined: Sep 2006
Posts: 17,114
FCSS 01684 593187
Countrycruising Offline
Club Rep Europe, member 914
Countrycruising  Offline
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Posts: 17,114
FCSS 01684 593187
Originally Posted By: Brigham
Hi Joe,
Just taken out insurance with CLI, well happy with the service and the price. This is a copy of the letter regarding the agreed value, it isn't a separate policy. "Classicline's agreed valuation service, we acknowledge your payment of £0. Please complete and return the attached vehicle valuation form and please follow the instructions set out on the vehicle valuation form. Please note until we have received a completed valuation form along with the required photographs and we have sent you a certificate of valuation agreeing the valuation of your vehicle the vehicle will be covered on a market value basis only."
They would like about six photos, outside and inside, and engine bay, with the vehicle reg in one or more of the pictures.
Does that answer your question, I've got copies of all the paperwork, sent me yesterday, will bring them up on Saturday.


It's still rather vague John, they offer a certificate of valuation agreement but does that ensure if a total loss was to occur you'll receive that agreed amount?

Still looks a little grey to me, I know I may be viewed as being a little pushy with this subject atm but I deal with calls from owners where they say they've been involved in an accident and the insurance is only offering market value, these are people that have also purchased agreed valuations which were insurance policies, not under written so for those past incidents it wasn't worth the paper it's written on.

Re: Classicline Insurance [Re: Countrycruising] #1566782
17/03/2016 15:52
17/03/2016 15:52

P
proccy
Unregistered
proccy
Unregistered
P



Hope this helps, Joe - below is a direct copy from their letter to me regarding values.....

"The figure that we agree will be the current market value of the vehicle and unfortunately
cannot take into account the cost of restoration or any sentimental value. If you have recently purchased the vehicle, the purchase price will be the agreed value."

Re: Classicline Insurance [Re: Nigel] #1566786
17/03/2016 16:09
17/03/2016 16:09
Joined: Sep 2006
Posts: 17,114
FCSS 01684 593187
Countrycruising Offline
Club Rep Europe, member 914
Countrycruising  Offline
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Joined: Sep 2006
Posts: 17,114
FCSS 01684 593187
Well that's pretty straight and to the point Steve frown

Purchase cost only, if you then spend another £10k on it after having the vehicle restored and it's written off, well that just hard luck by the looks of it.

Re: Classicline Insurance [Re: Countrycruising] #1566788
17/03/2016 16:31
17/03/2016 16:31

P
proccy
Unregistered
proccy
Unregistered
P



Looks that way, but i for one won't be going down that road again ooo

Re: Classicline Insurance [Re: ] #1566821
17/03/2016 20:09
17/03/2016 20:09
Joined: Apr 2015
Posts: 575
Ayrshire
ScouseCoupe Offline
Enjoying the ride
ScouseCoupe  Offline
Enjoying the ride

Joined: Apr 2015
Posts: 575
Ayrshire
Originally Posted By: proccy
Looks that way, but i for one won't be going down that road again ooo


Visit Lancaster Insurance, they have lowered there benchmark to 15 years and agreed valuation, as i shopping around for insurance at moment.


1999 Rosso Corsa 20VT ( Restored )
2000 Rosso Alfa 916 Spider 2.0 T.S Lusso ( Under Restoration)

Re: Classicline Insurance [Re: Nigel] #1566872
18/03/2016 09:23
18/03/2016 09:23
Joined: Dec 2005
Posts: 16,603
Corridor of Uncertainty
J
Jim_Clennell Offline
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Jim_Clennell  Offline
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J

Joined: Dec 2005
Posts: 16,603
Corridor of Uncertainty
I suppose the thing to do is only invest heavily in restoration just before your bi-annual revaluation.
It does make sense from the insurer's point of view; otherwise you could claim to have spent thousands on the car just before it unfortunately burned to a crisp.
Also, if you do no restoration and use the car as a dodgem, you still get the agreed value if it gets T-boned.

I also imagine that - for a fee, naturally - you could have a re-valuation performed.

Re: Classicline Insurance [Re: Nigel] #1566877
18/03/2016 09:44
18/03/2016 09:44
Joined: Sep 2006
Posts: 17,114
FCSS 01684 593187
Countrycruising Offline
Club Rep Europe, member 914
Countrycruising  Offline
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Forum veteran

Joined: Sep 2006
Posts: 17,114
FCSS 01684 593187
After speaking with Classic line this morning they've informed me that if a total loss was to occur with an agreed valuation then the agreed amount would be the amount paid out.

I suppose we'll have to wait and see as their policies aren't underwritten.

Re: Classicline Insurance [Re: Nigel] #1567017
19/03/2016 11:02
19/03/2016 11:02
Joined: Dec 2005
Posts: 16,603
Corridor of Uncertainty
J
Jim_Clennell Offline
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Jim_Clennell  Offline
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J

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Posts: 16,603
Corridor of Uncertainty
Thanks for getting the information from the horse's mouth Joe. At least we now know the situation and can make our choice accordingly.

Re: Classicline Insurance [Re: Nigel] #1574917
24/05/2016 23:52
24/05/2016 23:52
Joined: Dec 2005
Posts: 17,366
Staffordshire
Nigel Offline OP
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Nigel  Offline OP
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Joined: Dec 2005
Posts: 17,366
Staffordshire
Just renewed with Classicline....

All mods declared and covered. Up to six track days a year. 3,000 miles, £7,500 agreed value

Renewal of just £253

Well pleased smile


[Linked Image]
Re: Classicline Insurance [Re: Nigel] #1575509
31/05/2016 10:13
31/05/2016 10:13

P
poprock
Unregistered
poprock
Unregistered
P



ClassicLine’s online system is a bit frustrating. I’m going to need to phone them instead.

I started filling in the form for a quote, but had to stop and return later. When I returned it had timed out (fair enough), but it won’t let me start afresh. I get as far as putting my email address in, then it tells me I already have an account and must log in to continue. But I can’t log in because I don’t actually have an account – I had only just started filling in the form.

That aside, my hunt for insurance this year is going well so far. As usual, I’m cheaper with a normal insurer than a specialist. Best specialist quote so far is £600+ with a £500 excess from Adrian Flux … whereas my best normal quote is £179 with a £350 excess from Direct Line.

Re: Classicline Insurance [Re: Nigel] #1575667
01/06/2016 18:54
01/06/2016 18:54

P
poprock
Unregistered
poprock
Unregistered
P



Well, ClassicLine couldn’t help, was looking at around £700 with them. Really friendly and thorough, but my situation just seems to suit high street insurers better than specialist firms.

I got Direct Line down to £164 with only £250 excess. Had to go for that, really. Daft not to … That’s for 10,000 miles, parking on-street and adding my girlfriend as a named driver. Amazing really.

Last edited by poprock; 01/06/2016 18:55.
Re: Classicline Insurance [Re: Nigel] #1575726
02/06/2016 11:47
02/06/2016 11:47
Joined: Oct 2013
Posts: 1,290
Staffs
Dazvr6 Offline
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Dazvr6  Offline
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Joined: Oct 2013
Posts: 1,290
Staffs
That's a great quote!
I thought I was doing well paying £280.

Re: Classicline Insurance [Re: Nigel] #1575762
02/06/2016 19:21
02/06/2016 19:21
Joined: Dec 2005
Posts: 21,482
Aldershot
PeteP Offline
Hon Club Member 005, Membership Secretary
PeteP  Offline
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Joined: Dec 2005
Posts: 21,482
Aldershot
The problem with mainstream insurance comes if the car gets written off.

Usually it will be a derisory payment following very minor damage.


16VT and X1/9 1500

We must all do our part for the planet.
I unplugged a row of electric cars that nobody was using.
Re: Classicline Insurance [Re: Nigel] #1576491
09/06/2016 17:55
09/06/2016 17:55

P
poprock
Unregistered
poprock
Unregistered
P



No agreed value is the trade-off for cheap cover. I’m aware of that, and consider it a reasonable gamble. Over four years I’ll save the entire value of the car.

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