Atom Insurance

[curvedvision]

The only problem is I am now looking at getting a concrete garage built in my back garden as a wooden shed will not suffice!
My Mrs is going to literally kill me!

Is anyone aware of an insurer that would cover the Atom being on a private driveway and not garaged? My wife convinced me a few years ago to convert our garage into livable space as "we are never going to put a car in the garage"!? Obviously this was before I got bitten by the Atom bug!

[Anon]

The only problem is I am now looking at getting a concrete garage built in my back garden as a wooden shed will not suffice!
My Mrs is going to literally kill me!

Is anyone aware of an insurer that would cover the Atom being on a private driveway and not garaged? My wife convinced me a few years ago to convert our garage into livable space as "we are never going to put a car in the garage"!? Obviously this was before I got bitten by the Atom bug!

Would you store it in a carcoon or something? Try giving ClassicLine a call asking them this if they get back to you very quickly.

[PhilTimo]

Good luck Phil! I have a garage but only room for 2 cars and there is 1 car in there, the Atom will go in there and I will be building an Ultima RS later in the year so not sure how to manage this, thinking about a 4 post lift.

Anyway on insurance, I managed to get my car insured with classicline for £740, but as I am only young that is ok I think! This includes track days in the uk @ £56 for non Ariel Club arranged events and £200 per day overseas - so the same as everyone else has said with ClassicLine here. They were also very helpful and fast to get back to me.

Cheers Simon - I didnt mention track days as not something Im too bothered about yet. Interestingly - your quote was lower than mine!

[PhilTimo]

They wouldn't entertain anything apart from a garage. (Didn't have to be brick though).

[phil4]

Every time I insured my Atom (and now the times I've done the Nomad) (and I'm not in a particularly high crime area), it required it to be garaged.

[cannon24889]

I have just had a quote from msm and their policy allows sheds....

Vehicle must be kept in a locked garage, locked building/storage facility/steel container or shed at all times unless in the course of a journey

If any help

[curvedvision]

I have just had a quote from msm and their policy allows sheds....

Vehicle must be kept in a locked garage, locked building/storage facility/steel container or shed at all times unless in the course of a journey

If any help

OK good to know - thanks for the info.


Sent from my iPhone using Tapatalk

[PhilTimo]

Thanks!

[Yorkshire]

Has anyone had fun insuring an Atom 4
I have had an Atom 2 then 3 then 3.5R
All insured with REIS
I have 12 years NCD and my renewal for my 3.5R was £330 inc 5 Trackdays
That was with a car value of £80k and all modifications to 500bhp declared
However the car was sold and due to be collected so before I renewed I queried if the Atom 4 would be ok to cover in a couple of months when it turns up
Broker explained the way the existing insurance package worked is that they have negotiated with underwriters that max increase each year was 5% which is why my premium had gone up to £330 (it was cheaper last year)
The Atom 4 would be classed as a new quote so would be a completely different price
Quote came back at £1483!!!
Give me a clue is this what all 4 owners are now paying
Cheers Stuart

[wasp]

Hi Stuart,

I was with REIS for my 3.5 and was about the same as you for my old price. The new one came in at £820 for £70k value on the 4. I went with Classicline in the end at £630 plus £55 per track day. Also, they cover the whole value of the car on track but REIS now only insure it at £50k even though the excess remains at 10% £7k!)

REIS would be good value for 6 trackdays but as I intend to do double digits, Classicline end up way more reasonable.

Hope that helps.

Cheers,
Stu

[Yorkshire]

Thanks for that will take a look once car due as like you will do a lot more Trackdays than the 5 allowed so £55 a go sounds reasonable for piece of mind
I normally just run without
Cheers Stuart

[atomiser]

Random number generator then .. probably because they have no real data for the AA4 and wont use the AA2-3.5 info? Or just a new policy rather than continuing the old? Cant be a safety or hp thing? Or just replacement value?

My other brand new 'sports' car was £1500 on the cheapest standard policy and £700 on a Trackday policy (6 free trackdays)(?!#) including my other half!!!!

The previous 5yo version was only £250 on a standard policy, but because the value of the new had doubled, they couldn't insure it hence the 6 fold increase. Similar hp, same location and mileage.

Go figure.

Sent from my SM-N960F using Tapatalk

[03UFO]

Use Reis - Great value - couldn't believe it - no incurs for adding s/chgr and wings etc - And helpful

[phil4]

I called A-Plan Thatcham this afternoon, spoke to Richard, who saved me a nice chunk of my renewal quote.

Add me as another to recommend them.

[atomiser]

Use Reis - Great value - couldn't believe it - no incurs for adding s/chgr and wings etc - And helpful

Yep and very quick to put a specified track day onto the policy

Sent from my SM-N960F using Tapatalk