Insuring your Elgrand

[Djeffes]

A few on here are with direct line . But they wouldnt insure me because they said they don't do 8 seaters

 

[Tim C]

A few on here are with direct line . But they wouldnt insure me because they said they don't do 8 seaters

Mines an 8 seater and they have insured me for over 4 years....

 

[Djeffes]

I can only imagine they won't take on new customers , but are honering your deal as an existing customer .

 

[Tim C]

I can only imagine they won't take on new customers , but are honering your deal as an existing customer .

I doubt it, the problem is that no insurers really understand imported cars and the call centre staff literally just make up crap as they go. It's just an excuse because they either don't want you for some reason, or they have entered something wrong. I had exactly the same crap excuse from an import specialist (Adrian flux) when they wanted £3k to insure me. Direct line probably insures more Elgrands than any other company in the UK, and for me charged a tenth the price AF wanted. Nearly every Elgrand has 8 seats (XLs are a minority of cars).

When I bought mine, no insurer in the UK thought there were any Elgrands made later than 2004 as the Thatham database had never been updated. Therefore many insurers wouldn't quote at all, as the database was wrong, but literally made up any excuse not to. I managed to get the database updated and the same insurers suddenly had decent prices. The call centre staff are trained to make up any old crap (like 8 seats!) when they don't know what has gone wrong. Just try again and hope you get a better operator, they are just fobbing you off, or there is another reason they won't quote. Good luck.

 

[DavidE51]

A few on here are with direct line . But they wouldnt insure me because they said they don't do 8 seaters

Take out the little middle seat , you now have a 7 seater.

Or try LV , they cover mine!

 

[Oldtar]

A few on here are with direct line . But they wouldnt insure me because they said they don't do 8 seaters

Hello Darren I've had the same problem with both Direct Line and LV. Both have said that the way they are insuring JDM cars has just recently changed. Before they would go through underwriters, but apparently if the model of the car is not on their current list then they cannot now insure you. I was with LV and wanted to change over, but my latest car was not on the current list so no insurance. Went through Green Light eventually and got insured there no problem. They were also very helpful.

Jim

 

[Londonglide]

Ours is on Admiral Multicar, and is less than £200 now, and that is an outer London postcode, no garage. We got house and contents added, and it really made a difference.

 

[Sneggysteve]

Ours is on Admiral Multicar, and is less than £200 now, and that is an outer London postcode, no garage. We got house and contents added, and it really made a difference.

+1 for Admiral

 

[DavidE51]

Good recommendations guys, thank you !

 

[steveb8398]

we have 3 cars with Elgrand im trying admeral next time great stuff

 

[Jake Jacksonn]

I have my Elgrand insured with LV and I pay £305 that's with 9yrs NBC, I'm happy with that.
Jake.

 

[Jake Jacksonn]

I mean NCB
Ha ha ha.

 

[Alexandru]

I have a big problem. Just heard that I can't use my no claim discount for a second car as registered owner, and to me this is novelty, as I've never had to enquire until now. Is it just my insurance company, or it goes across the globe? To me it is just nonsense..
It's confusing, as when insuring the Elgrand with a different company than my existing one of the other car they asked me if I have another vehicle to which I said yes, and got a quote for shy of £900, for 37yo and 9+ ncd; after reading the posts above and seeing how little you guys pay, I got looking to change insurer, but seems like I'm allowed to have two cars if I pay for the second one insurance premium with no ncd, explaining I can use my ncd for just one car. Is this common?

 

[Shep50]

Just swapped to Stirling paid £350 quite happy with that

 

[Magnu]

I have a big problem. Just heard that I can't use my no claim discount for a second car as registered owner, and to me this is novelty, as I've never had to enquire until now. Is it just my insurance company, or it goes across the globe? To me it is just nonsense..
It's confusing, as when insuring the Elgrand with a different company than my existing one of the other car they asked me if I have another vehicle to which I said yes, and got a quote for shy of £900, for 37yo and 9+ ncd; after reading the posts above and seeing how little you guys pay, I got looking to change insurer, but seems like I'm allowed to have two cars if I pay for the second one insurance premium with no ncd, explaining I can use my ncd for just one car. Is this common?

I was told the same about NCD, apparently they will only allow it to be applied to one vehicle. Shopping around is your best option for getting a cheaper policy. I got reasonable quotes from Adrian Flux, Just Kampers and Greenlight. I didn't try for any of the multicar policies as I had no intention of running two cars.

 

[JohnK]

I have a big problem. Just heard that I can't use my no claim discount for a second car as registered owner, and to me this is novelty, as I've never had to enquire until now. Is it just my insurance company, or it goes across the globe? To me it is just nonsense..
It's confusing, as when insuring the Elgrand with a different company than my existing one of the other car they asked me if I have another vehicle to which I said yes, and got a quote for shy of £900, for 37yo and 9+ ncd; after reading the posts above and seeing how little you guys pay, I got looking to change insurer, but seems like I'm allowed to have two cars if I pay for the second one insurance premium with no ncd, explaining I can use my ncd for just one car. Is this common?

Unfortunately that's right. One ncd for one car. Some companies will give you an introductory bonus though. You need to shop around.

 

[Alexandru]

I was told the same about NCD, apparently they will only allow it to be applied to one vehicle. Shopping around is your best option for getting a cheaper policy. I got reasonable quotes from Adrian Flux, Just Kampers and Greenlight. I didn't try for any of the multicar policies as I had no intention of running two cars.

Just got a policy with greenlight. Under £600, I'm happy with that for the moment ty folks. I'm on the road again

 

[Alexandru]

Forgot to mention, I have benefited from 15% unexpected discount for being part of the
Elgrand OC. Again, good to be here!

 

[ElgrandOH]

I recieved a quote from Admiral double my current vehicle BMW touring, went from £300ish to over £600. Granted I’ve not shopped about yet and if it comes down to it I’m willing to except it.

 

[Navigator]

Insurance is always a hot topic of conversation, especially when it comes to Japanese Imports.

As a general rule of thumb, there should be no real "premiums" for insuring the Elgrand over any other vehicle in it's class. The problem you may find is that insurance databases are not always as up to date as they should be when it comes to imports.

Typically, you want to be going for a Japanese Import Specialist insurer. These are usually the best in terms of keeping up to date with import vehicles on their database. They will also, USUALLY, be the most competitive.

Do NOT bother wasting time with comparison sites for your Elgrand... they will throw up ridiculous quotes and just be a waste of your time. Go to insurance companies directly.

My general advice to anyone who asks is to follow the below:

Contact Adrian Flux. Give them all your details and get a quote - I would not recommend taking a policy out with Flux due to the level of complaints I have seen/heard from people in the event of a claim. But, this is just hearsay really, so it's up to you if you choose to insure with them.

Ring Sky Insurance, give them all your details and the quote you got from Flux, they will, most of the time, beat it.

Ring GreenLight Insurance (our Insurance partner), give them your details, give them your cheapest quote, and then tell them you are a member of ElgrandOC to get your 15% discount. If they cannot beat the quote from Sky, go with them.


There are a lot of members who are more than happy, or have had their best quotes from some of the normal, big name insurance companies such as Direct Line, Admiral, Aviva etc. So if you really want to get a comparison across the board, ring some known insurance companies too and see if they can be competitive or not. But I would advise you ring the three Jap Import Specialist insurers listed above first, and then go to the big known insurance companies.

There is a whole different routine you will have to take to insure a FRESH IMPORT that has NOT BEEN REGISTERED. You need to insure on the Chassis number etc, and things are more complicated overall... so if you are looking at insuring an Elgrand off the boat to get in home for MOT etc, then please check in the "Import Experiences" forum section to see what others have done.

Hope this helps.

Aarrgh! Wish I had joined the Owners Club before I took out insurance with Adrian Flux! Ah well, there's always next year........ Thanks for the info Karl