Civinfo insurance scheme with Chris Knott insurance

Tim@ChrisKnott · 14th January 2009, 11:58

CHRIS KNOTT INSURANCE… THE RIGHT CHOICE FOR CAR CLUB MEMBERS

When you go and compare the market online, are you still left confused as to what’s actually included and whether they’re quoting you the final price? Have they jacked up the excess to get the price down? Do you know what you’re signing up for?
A simple alternative is to ask a specialist broker like Chris Knott Insurance for an instant, crystal-clear car insurance quote.
As car club experts we have almost 30 years experience of looking after the needs of over 200 car clubs, their members and enthusiasts.

You’ll get a better level of service with Chris Knott and everything can be explained in person.

If it comes to a claim we can also call on the club for expert knowledge if we need to and this could result in an enhanced settlement – you won’t find that anywhere else!
Our staff are not incentivised to sell volume. Instead we encourage them to offer you top-quality personal service, solid advice and all the ongoing support you need throughout your time with us. After all, your car is more important to you than the average driver - you want the care and attention your car deserves.

Simply call FREE on
0800 917 2274
or 01424 200477 for mobiles
and quote ref CIV – 882
to access this club’s scheme

We promise to put your needs first and we’ll work hard on your behalf to find the policy that is most suitable for your requirements; not necessarily the one that earns us the most commission. We want to treat you fairly – the same way we’d expect to be treated ourselves.

To ensure that you get the best insurance service at a reasonable cost, call us FREE at renewal so our highly-trained insurance experts can offer you a quote.

CHRIS KNOTT’S BROKER BENEFITS
• Instant, crystal-clear quotes
• Human contact & personal service
• Independent, solid advice
• Multi-policy discounts/loyalty rewards
• Protecting your interests
• All the ongoing support you need
• Claims assistance
• Accountable to your club
• Highly-trained insurance experts

To benefit, you should call FREE on
0800 917 2274
or 01424 200477 for mobiles
Remember to quote ref CIV – 882
and make the right choice for your car.

Remember, we’re here for all your insurance needs. So, whether it’s a second car, home, travel, business or even charity insurance you need, Chris Knott Insurance is the right choice for you.

Smallprint
The scheme covers most modifications (excluding nitrous, roll cages and bhp increases over 50bhp). All makes and models are considered eligible. Drivers must be aged over 22 and wanting Comprehensive cover. Drivers of performance vehicles must be aged 25 or over. All drivers must have held a licence for at least 1 year, have minimum 12 months’ experience of driving/insuring similar performance cars and have at least 1 year's NCB.Quotes subject to individual circumstances including restrictions on claims/convictions (no more than 1 SP/PC/PL conviction per driver) and not competitive for any M, L, OL & SK1-12 postcodes and Northern Ireland. Some postcodes require the car to be parked off the road overnight. We don’t guarantee to be the best for 100% of the membership.
Administered by Chris Knott Insurance who is authorised and regulated by the Financial Services Authority

Unknownsoldier · 14th January 2009, 12:06

When you say experience of driving that or similar, would me driving my parents cars either on their insurance or or TP on mine count, as I've been driving a Range Rover 4.2 for about a year and a 330ci, or does it have to be experience on your own policy???

Just for clarification,
Tom

Tim@ChrisKnott · 14th January 2009, 12:08

It has to be experience driving on your own policy I'm afraid.

dave87 · 14th January 2009, 12:46

How firm is the 22 age limit?

Just curious as I would need to renew the insurance in September, and I'm not 22 until October. However, I would have a years experience driving the Civic (2.2) and 4 years NCB.

I'd be wanting fully comp, current policy is reasonably expensive to say the least.

Postcode is in the SS region, but I believe (from online searches) in the lowest risk grouping.

What is the stance on Modifications? I was considering having a remap done on my car, unfortunately my current insurers are notoriously anti-modifications.

Tim@ChrisKnott · 14th January 2009, 13:18

Hi Dave
Mods are fine except roll cages & nitrous.

Re your age, we will look at 21 year olds as long as the profile is good & it seems yours is!

You'll be 22 soon after the date anyway so I can't seeing it being a problem.

Cush · 14th January 2009, 13:25

Quote:

Originally Posted by Tim1

All drivers must have held a full UK licence for at least 1 year, and to insure a 'performance' car, there must be at least 1 years experience of driving that, or similar performance cars.

Im also a tad confused... what constitutes a 'performance' car or similar ?

I currently drive a 1.8 Focus and Im looking for insurance for a Type R Ive ordered. I guess I wouldnt qualify under the performance car ruling ?

Unknownsoldier · 14th January 2009, 13:27

Would suppose not, I'd struggle even though I've driven a 2.0l 5 series, even though the R is a 2.0l also, guessing it is whatever the sheet says is classed as performance, i.e. over 2000cc or with a 0-60 time sub Xx seconds.....???

Tom

Tim@ChrisKnott · 14th January 2009, 13:32

Quote:

Originally Posted by Cush

Im also a tad confused... what constitutes a 'performance' car or similar ?

I currently drive a 1.8 Focus and Im looking for insurance for a Type R Ive ordered. I guess I wouldnt qualify under the performance car ruling ?

We could quote you on the Focus but not on the Type R until you've had a year's experience.

angie4m · 14th January 2009, 13:45

I'll give you guys a try when i'm due to renew in June. I got a good deal when I first puchased the CTR on insurance because although young I had driven a chipped Cooper S and was driving a M3 while I was without a car awaiting the CTR. If I had only been able to provide driving my Mum's 3 series I wouldn't have got that good a deal.

I do doubt however that most companies would be able to beat some of the quotes I get. It was £370 for the current policy year with 1 years ncb and nobody else could come near

toonfan · 15th January 2009, 16:58

Quote:

Originally Posted by angie4m

I'll give you guys a try when i'm due to renew in June. I got a good deal when I first puchased the CTR on insurance because although young I had driven a chipped Cooper S and was driving a M3 while I was without a car awaiting the CTR. If I had only been able to provide driving my Mum's 3 series I wouldn't have got that good a deal.

I do doubt however that most companies would be able to beat some of the quotes I get. It was £370 for the current policy year with 1 years ncb and nobody else could come near

hmmm i must be doing something wrong then because im presently paying 390.00 fully comp protected on my ctr gt - im 36 yr old with 12 yrs ncb and no accidents or convictions, occupation legal accountant - i tried go compare website last month and the 390 was the best quote with swiftcover - think ill give chris knott a try today see what they can do

dave87 · 15th January 2009, 17:19

The other thing that occured to me, and perhaps you'll be able to answer this Tim:

If I was with you, and half way through my policy I decide I want to chance to say, a 330d, bit of a step up in performance terms, would I be able to?

Its only that with the requirement of a years experience driving that car, it would be a little difficult to upgrade, if you see what I mean?

Tim@ChrisKnott · 15th January 2009, 18:03

Quote:

Originally Posted by dave87

The other thing that occured to me, and perhaps you'll be able to answer this Tim:

If I was with you, and half way through my policy I decide I want to chance to say, a 330d, bit of a step up in performance terms, would I be able to?

Its only that with the requirement of a years experience driving that car, it would be a little difficult to upgrade, if you see what I mean?

Yes, that would be OK for existing customers.

robbo51 · 15th January 2009, 20:16

Quote:

Originally Posted by Tim1

We could quote you on the Focus but not on the Type R until you've had a year's experience.

He's just taken early retirement Tim...LOL

NEEMSTAR · 15th January 2009, 20:33

Quote:

Originally Posted by robbo51

He's just taken early retirement Tim...LOL

Quote:

Originally Posted by Tim1

and to insure a 'performance' car, there must be at least 1 years experience of driving that, or similar performance cars.

Nothing to do with age.

Cush · 15th January 2009, 20:41

Despite the fact Ive driven many performance cars through work because I drive a 1.8 Focus I dont qualify !

dave87 · 15th January 2009, 20:52

I guess if you can demonstrate you are used to the performance of a vehicle, you are less of an insurance risk.

Think of it this way:

Bloke A: aged 28, ridden bikes for the last 10 years, a mixture of 600s, 750s and is now getting his second 1000cc.

vs

Bloke B: aged 50, driven his Volvo for the last 30 years, done his direct access course (5 days on the road, 4 on a 500cc) who goes out and buys a 1000cc sportsbike same as gentleman A.

Who is the greater statistical risk?

From that perspective I agree, but I can also see the problem of 'proving' you've insured some quicker cars, or had regular access to them...

toonfan · 15th January 2009, 23:29

well i think the fact that the ctr is an ordinary evry day car untill driven over 5600 rpm should be taken into account too - the power isnt their instantly like with a turbo for instance so it is alot more manageable for someone new to high performance

it is the perfect choice for someone wanting to ease into high performance

not everyone wants to flog their ctr to the death

sadly i dont fit into this catagory as i v-tec my b1tch wherever i go muuuaaahaaaaaaa

NEEMSTAR · 16th January 2009, 00:06

Quote:

Originally Posted by toonfan

i v-tec my b1tch wherever i go muuuaaahaaaaaaa

koxy333 · 18th January 2009, 08:43

When you say, not competitive on certain postcode around the north west what do you mean? Am I more likely to get a better deal else where (like moneysupermarket.com)

Is it because the area is high risk or is it because there is more competition for this area?

I found when I moved out of WN7 to SK8 it dropped by 15%

I would love a better insurance deal though im 25, never claimed, no convictions, 2years no claims bonus, 4 years driving licence, expect to do 30k miles this year, business and personal, live in the SK8 area and still being quoted around £1200 for my civic 2.2 es

.... and who said it drops when you turn 25

..

Tim@ChrisKnott · 19th January 2009, 10:39

Tbh, in those specific areas, you would get a better quote elsewhere.

Unfortunately it's all to do with claims statistics.

An inordinately high number of claims come from these postcodes, simple as that. It's not a case of a few points higher but a much greater percentage than the norm.
The insurers did actually tinker with individual postcodes but it didn't work sadly. I suppose 'once bitten, twice shy'.

The scheme would just not exist if the insurers included these postcodes because of the losses that these have historically caused.

14th January 2009, 11:58	#1 (permalink)
Tim@ChrisKnott Chris Knott Insurance Join Date: 19th November 2008 Location: KENT Posts: 226 Thanks given: 0 Thanked 9 Times in 9 Posts iTrader: (0)	Civinfo insurance scheme with Chris Knott insurance CHRIS KNOTT INSURANCE… THE RIGHT CHOICE FOR CAR CLUB MEMBERS When you go and compare the market online, are you still left confused as to what’s actually included and whether they’re quoting you the final price? Have they jacked up the excess to get the price down? Do you know what you’re signing up for? A simple alternative is to ask a specialist broker like Chris Knott Insurance for an instant, crystal-clear car insurance quote. As car club experts we have almost 30 years experience of looking after the needs of over 200 car clubs, their members and enthusiasts. You’ll get a better level of service with Chris Knott and everything can be explained in person. If it comes to a claim we can also call on the club for expert knowledge if we need to and this could result in an enhanced settlement – you won’t find that anywhere else! Our staff are not incentivised to sell volume. Instead we encourage them to offer you top-quality personal service, solid advice and all the ongoing support you need throughout your time with us. After all, your car is more important to you than the average driver - you want the care and attention your car deserves. Simply call FREE on 0800 917 2274 or 01424 200477 for mobiles and quote ref CIV – 882 to access this club’s scheme We promise to put your needs first and we’ll work hard on your behalf to find the policy that is most suitable for your requirements; not necessarily the one that earns us the most commission. We want to treat you fairly – the same way we’d expect to be treated ourselves. To ensure that you get the best insurance service at a reasonable cost, call us FREE at renewal so our highly-trained insurance experts can offer you a quote. CHRIS KNOTT’S BROKER BENEFITS • Instant, crystal-clear quotes • Human contact & personal service • Independent, solid advice • Multi-policy discounts/loyalty rewards • Protecting your interests • All the ongoing support you need • Claims assistance • Accountable to your club • Highly-trained insurance experts To benefit, you should call FREE on 0800 917 2274 or 01424 200477 for mobiles Remember to quote ref CIV – 882 and make the right choice for your car. Remember, we’re here for all your insurance needs. So, whether it’s a second car, home, travel, business or even charity insurance you need, Chris Knott Insurance is the right choice for you. Smallprint The scheme covers most modifications (excluding nitrous, roll cages and bhp increases over 50bhp). All makes and models are considered eligible. Drivers must be aged over 22 and wanting Comprehensive cover. Drivers of performance vehicles must be aged 25 or over. All drivers must have held a licence for at least 1 year, have minimum 12 months’ experience of driving/insuring similar performance cars and have at least 1 year's NCB.Quotes subject to individual circumstances including restrictions on claims/convictions (no more than 1 SP/PC/PL conviction per driver) and not competitive for any M, L, OL & SK1-12 postcodes and Northern Ireland. Some postcodes require the car to be parked off the road overnight. We don’t guarantee to be the best for 100% of the membership. Administered by Chris Knott Insurance who is authorised and regulated by the Financial Services Authority Last edited by Pottsy; 25th June 2011 at 10:23. Reason: New wording since Tim has left

14th January 2009, 12:46	#4 (permalink)
dave87 radix lecti Car: 2006 2.2 iCDTi Sport Join Date: 31st July 2008 Location: Essex, UK Posts: 960 Thanks given: 8 Thanked 45 Times in 42 Posts iTrader: (0)	How firm is the 22 age limit? Just curious as I would need to renew the insurance in September, and I'm not 22 until October. However, I would have a years experience driving the Civic (2.2) and 4 years NCB. I'd be wanting fully comp, current policy is reasonably expensive to say the least. Postcode is in the SS region, but I believe (from online searches) in the lowest risk grouping. What is the stance on Modifications? I was considering having a remap done on my car, unfortunately my current insurers are notoriously anti-modifications. Last edited by dave87; 14th January 2009 at 12:50.

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14th January 2009, 12:06	#2 (permalink)
Unknownsoldier Lord of JAE..... Car: 58' NHB Type R-GT Join Date: 22nd September 2007 Location: Kent, UK Posts: 5,386 Thanks given: 390 Thanked 164 Times in 148 Posts iTrader: (0)	When you say experience of driving that or similar, would me driving my parents cars either on their insurance or or TP on mine count, as I've been driving a Range Rover 4.2 for about a year and a 330ci, or does it have to be experience on your own policy??? Just for clarification, Tom

14th January 2009, 12:08	#3 (permalink)
Tim@ChrisKnott Chris Knott Insurance Thread starter Join Date: 19th November 2008 Location: KENT Posts: 226 Thanks given: 0 Thanked 9 Times in 9 Posts iTrader: (0)	It has to be experience driving on your own policy I'm afraid.

14th January 2009, 13:18	#5 (permalink)
Tim@ChrisKnott Chris Knott Insurance Thread starter Join Date: 19th November 2008 Location: KENT Posts: 226 Thanks given: 0 Thanked 9 Times in 9 Posts iTrader: (0)	Hi Dave Mods are fine except roll cages & nitrous. Re your age, we will look at 21 year olds as long as the profile is good & it seems yours is! You'll be 22 soon after the date anyway so I can't seeing it being a problem.

14th January 2009, 13:27	#7 (permalink)
Unknownsoldier Lord of JAE..... Car: 58' NHB Type R-GT Join Date: 22nd September 2007 Location: Kent, UK Posts: 5,386 Thanks given: 390 Thanked 164 Times in 148 Posts iTrader: (0)	Would suppose not, I'd struggle even though I've driven a 2.0l 5 series, even though the R is a 2.0l also, guessing it is whatever the sheet says is classed as performance, i.e. over 2000cc or with a 0-60 time sub Xx seconds.....??? Tom

14th January 2009, 13:45	#9 (permalink)
angie4m Naughty but nice Car: 135i & 330Ci M Sport Convtbs Join Date: 28th September 2007 Location: Edinburgh Posts: 4,135 Thanks given: 49 Thanked 102 Times in 101 Posts iTrader: (0)	I'll give you guys a try when i'm due to renew in June. I got a good deal when I first puchased the CTR on insurance because although young I had driven a chipped Cooper S and was driving a M3 while I was without a car awaiting the CTR. If I had only been able to provide driving my Mum's 3 series I wouldn't have got that good a deal. I do doubt however that most companies would be able to beat some of the quotes I get. It was £370 for the current policy year with 1 years ncb and nobody else could come near

15th January 2009, 17:19	#11 (permalink)
dave87 radix lecti Car: 2006 2.2 iCDTi Sport Join Date: 31st July 2008 Location: Essex, UK Posts: 960 Thanks given: 8 Thanked 45 Times in 42 Posts iTrader: (0)	The other thing that occured to me, and perhaps you'll be able to answer this Tim: If I was with you, and half way through my policy I decide I want to chance to say, a 330d, bit of a step up in performance terms, would I be able to? Its only that with the requirement of a years experience driving that car, it would be a little difficult to upgrade, if you see what I mean?

15th January 2009, 20:41	#15 (permalink)
Cush Supporter Car: 2009 CW CTR Join Date: 11th August 2008 Location: Leeds,UK Posts: 1,050 Thanks given: 117 Thanked 81 Times in 78 Posts iTrader: (5)	Despite the fact Ive driven many performance cars through work because I drive a 1.8 Focus I dont qualify !

15th January 2009, 20:52	#16 (permalink)
dave87 radix lecti Car: 2006 2.2 iCDTi Sport Join Date: 31st July 2008 Location: Essex, UK Posts: 960 Thanks given: 8 Thanked 45 Times in 42 Posts iTrader: (0)	I guess if you can demonstrate you are used to the performance of a vehicle, you are less of an insurance risk. Think of it this way: Bloke A: aged 28, ridden bikes for the last 10 years, a mixture of 600s, 750s and is now getting his second 1000cc. vs Bloke B: aged 50, driven his Volvo for the last 30 years, done his direct access course (5 days on the road, 4 on a 500cc) who goes out and buys a 1000cc sportsbike same as gentleman A. Who is the greater statistical risk? From that perspective I agree, but I can also see the problem of 'proving' you've insured some quicker cars, or had regular access to them...

15th January 2009, 23:29	#17 (permalink)
toonfan Supporter Join Date: 22nd December 2008 Location: washington Posts: 436 Thanks given: 0 Thanked 6 Times in 6 Posts iTrader: (0)	well i think the fact that the ctr is an ordinary evry day car untill driven over 5600 rpm should be taken into account too - the power isnt their instantly like with a turbo for instance so it is alot more manageable for someone new to high performance it is the perfect choice for someone wanting to ease into high performance not everyone wants to flog their ctr to the death sadly i dont fit into this catagory as i v-tec my b1tch wherever i go muuuaaahaaaaaaa

18th January 2009, 08:43	#19 (permalink)
koxy333 Supporter Join Date: 14th October 2007 Location: Manchester Posts: 56 Thanks given: 1 Thanked 2 Times in 1 Post iTrader: (0)	When you say, not competitive on certain postcode around the north west what do you mean? Am I more likely to get a better deal else where (like moneysupermarket.com) Is it because the area is high risk or is it because there is more competition for this area? I found when I moved out of WN7 to SK8 it dropped by 15% I would love a better insurance deal though im 25, never claimed, no convictions, 2years no claims bonus, 4 years driving licence, expect to do 30k miles this year, business and personal, live in the SK8 area and still being quoted around £1200 for my civic 2.2 es .... and who said it drops when you turn 25 ..

19th January 2009, 10:39	#20 (permalink)
Tim@ChrisKnott Chris Knott Insurance Thread starter Join Date: 19th November 2008 Location: KENT Posts: 226 Thanks given: 0 Thanked 9 Times in 9 Posts iTrader: (0)	Tbh, in those specific areas, you would get a better quote elsewhere. Unfortunately it's all to do with claims statistics. An inordinately high number of claims come from these postcodes, simple as that. It's not a case of a few points higher but a much greater percentage than the norm. The insurers did actually tinker with individual postcodes but it didn't work sadly. I suppose 'once bitten, twice shy'. The scheme would just not exist if the insurers included these postcodes because of the losses that these have historically caused.