Advantages cheap, unlimited mileage cover
Disadvantages none - I hope!
Last September, my husband finally bought himself the car he'd always wanted (I finally gave in and let him!) - a classic 1967 MG B GT.Now I'm told that most everyday car insurance companies won't touch these kinds of cars at all, and as we were new to the classic car scene we arranged the only insurance that we knew about - through the MG club itself.
This policy covered the car for (an agreed valuation of) £3500 on a limited mileage basis (12,000 miles) at a cost of £250.Now, don't get me wrong, we were very happy with the service we received from them. But, when (on a friend's advice) we contacted Footman & James, we found that - we could insure BOTH our MG B GTs (yes, another one somehow found its way onto our drive!) for £116 (half the price!). This covers the original car for the same value of £3500 and the second one for £2500. AND this policy covers UNLIMITED mileage. Needless to say we changed insurers.
The setting up of the policy was a very simple process - an online quote (which was confirmed in the post the following day). My husband telephoned to ensure that BOTH cars were covered for this price (we found it hard to believe!) and upon confirmation, the deal was done. Policy documents arrived within a couple of days.Less than a month later a crack appeared in the windscreen of the second MG. We rang the 'windscreen claim' phone no. on our policy document and were told that someone would telephone us the following day (understandable as it was Bank Holiday Monday) to arrange a convenient time to come out. They did indeed ring the following day and came out that afternoon. They replaced the windscreen very quickly though it took them a bit longer to replace the chrome surround (again, understandable - as anyone who has ever tried it will appreciate!). We gave them a cheque for £50 (policy excess), showed them the policy document and that was it - job done!
We haven't as yet (and I hope we never do!) needed to make a claim on the main part of the policy, so I can't comment on that, but hopefully that part of the service is as good as the rest.So if you're looking for good, cheap specialist car insurance (it's not just for MGs - thats just our thing!) I recommend you give them a ring or get an online quote (www.footmanjames.co.uk). You might just be pleasantly surprised.
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