TechWiki - User contributions [en-gb]

Insurance

2017-08-15T17:03:42Z

S2Dave: /* Companies */

[http://www.seloc.org/membership/benefits/insurance/ Check the latest SELOC membership insurance benefits] [[Category: Misc ]]

==Companies==

{| border="1"
!Name & Weblink !! Phone !! Contact !! Mod Friendly !! Track Day Cover Included / Additional Information
|-
|[http://www.1answer.co.uk/ 1 Answer Insurance]||0800 276 1338|| ||Audi/ Honda/ Duratec/ Rover/ Toyota||6 Track days, 1 Answer insurance. Contact the team on 0800 276 1338 for a bespoke quote, which can include track days with reduced track day excess, agreed value, commuting, Class 1business use with standard features such as 60 European cover, reduced windscreen excess and legal cover. They can mirror NCB and you will earn NCB with their policies. The main Lotus insurer deals with limited mileage up to 12k pa, and they will insure all Audi, Duratec, Honda N/A, S/C, C/C set ups, along with Katana Toyota powered cars and modified Rover engined cars. Schnitzel (Rich Hermida) was the Sales Director and Seloc advertiser but left 1Answer in June 2017. USE at your own risk now Richard has left, no one will be able to help resolve the renewal problems
'Equity Red Star' policies designed primarily for '2nd car' but will quote for commuting after referral to underwriter.
|-
|[http://www.reis.co.uk/ REIS || 0115 965 1020 || Mary Singleton (mention SELOC for special rates)|| Yes || Agreed Value Cover available. Track Day Cover (Now has Six days included - any venue in the UK or Europe, excluding Nurburgring/Nordschliffe) available - Excess is 10% of insured value. Glass Cover & Club Discounts all available. Discount for Andy Walsh/Car Limits Driver Training Day. Enhanced Windscreen Cover (up to £1000 per claim) as standard. All drivers must be 25+. Policies limited to 7000 miles per annum maximum. No premium load for Commuting although vehicle must be parked in works car park. Not able to provide cover if parked at station car park for commuting.
|-
|[http://www.competition-car-insurance.co.uk/ Competition Car Insurance (CCI)] || 0344 892 1966 || Option 4 || Yes || 4 free days with approved organisers & notification prior to day (1 days notice minimum) required. [If you have 2 years+ claim-free experience driving an Elise or similar, quotes are very competitive. 10% discounts available for SELOC Club Supporters. Also additional discount (10%) to be had for car control course / driver training - need certificate to prove attendance though]. Track cover includes some EU circuits (Nurburgring) but doesn't include recovery costs and windscreen damage not covered on track. Won't mirror NCB from another car, but were happy to give me 4 year's worth "introductory bonus". Policies limited to 7000 miles. **17.02.14 - confirmed have to be over 40yo**
May 2012 - Just got a quote and it included 6 track days with the same conditions as above. As of 2012, Aviva (CCI's underwriter) are heavily loading premiums for anyone that requires "commuting" cover, be sure to mention if you dont need it.
|-
|[http://www.heritage-quote.co.uk Heritage] ||0121 246 6062 - ask for Martin (drivers over 28yrs.) ||Discount for SELOC members || Yes || Track cover only included for club you are a member of eg LoT, cover is available for events with other TDOs at an additional premium. Will mirror NCB from other cars - no need to transfer your NCB to the vehicle insured with them. Check terms with Heritage. Spoke to on 11/1/2012 and refused to quote on Elise, saying they dont really deal with these any more. 25 Sept 2015 - Martin no longer there, struggle to insure newer cars, quoted £2k+ for V6 Exige (v's approx. £500 elsewhere)
|-
| [http://www.ckinsurance.co.uk Chris Knott] || 0800 917 2274 || Mention SELOC for special rates || Yes || Drivers over 30 (was 25 in previous years and may revert back in 2012). Need to have been driving your lotus for at least a year. Does not cover track days, but does offer multi-car policies.
Seemed concerned about whether they would be able to cover a V6 Exige with value in excess of £40k.
Cannot provide cover if you've had a fault claim in the last 12 months.
|-
| [http://www.hendersontaylor.co.uk/ Henderson Taylor insurance] || 0161 4377442 || (Matt) Mention SELOC for special rates || Yes || Trackdays included, mod friendly policies mostly underwritten by Aviva on very similar terms as CCI (also underwritten by Aviva). As of 22/11/11, mileage limited to 7500 (now 5000?) miles per annum for Lotus policies. As of 08/02/12 Matthew confirmed that unlimited policies are available. As of 2012, Aviva are heavily loading premiums for anyone that requires "commuting" cover, be sure to mention if you dont need it though Matt is on the ball and will almost certainly ask you. (Tyrex) - I spoke to Henderson today (4/1/13) who confirmed that the maximum annual mileage for their policies was 6000. 17.02.14 - maximum mileage is now 4500pa! 7/7/17 - Maximum mileage is now 5,000pa.
Cannot provide cover if you've had a fault claim in the last 12 months.
|-
| [http://www.manninguk.com/automotive/ Manning UK] || 01491 578759 || - || Yes (up to %age bhp limit) || Sportscar specialists (run club schemes for TVR/Porsche/Aston). Includes trackdays. Discounts for driver training. Happy to quote for Lotus too, very friendly/helpful. Target profile is primarily second car or low mileage (5K) drivers, werent competitive (for me) on a 9K miles policy. Well worth a try if you fit their profile though. Offer multi-car policies and unlimited track days. Honda transplants will exceed their bhp mod limit.
Days with non-ATDO track day companies are not covered, however Lotus on Track have recently joined ATDO.
Need to be over age of 25 for a policy (confirmed as of 17/12/2015)
Can still potentially provide cover if you've had a fault claim in the last 12 months.
|-
| [http://www.privateclients.aon.co.uk/privateclients/microsites/cars/ Lotus - Esteem / AON (Official)] || 08705 708090 or 01483 706055 or 51 || AON policies now moved to Footman James (below) || ? || (Require driver be 30 or over)
|-
| [http://www.aplan.co.uk/ A-Plan] || 01635 874 646 || Usually Matthew Minchin. Discount for SELOC members || Yes || Contact the Thatcham office for Lotus schemes. Can provide free 5 day UK trackday cover on Royal Sun Alliance policies. "ok with brakes and suspension upgrade but not too sure with the engine but ok in the end."<ref>[http://forums.seloc.org/viewthread.php?tid=321707 SELOC Forums » Suggestions, Q & A » modifying wikipage about insurance]</ref>
|-
| [http://www.adrianflux.co.uk/ Adrian Flux] || 0800 081 8989 || "Yellow department" Mention SELOC for special rates || Yes ||
|-
| [http://www.noeldazely.co.uk/ Noel Dazely] || 0870 0466604 || Mention SELOC for special rates || Yes || No longer exist - taken over by A-Plan (see above)
|-
| [http://www.admiral.com/car-insurance/ Admiral] || 0844 848 4416 (Single) or 0844 848 4316 (Multicar) || N/A || Yes (see details) || Can declare mods (although only the cost of replacement standard parts are covered. They don't cover remaps at all as of 24/03/2015). No track day cover. [http://www.admiral.com/multi-car-insurance/ Multicar policies] are particularly good value if you have two or more cars to insure. You can start a Multicar policy with one car and add others as they come up for renewal. Won't mirror NCB from another car (if there are more cars than people on the policy), but will give 4 years NCB free (which can be protected after the first year).
|-
| [http://www.bell.co.uk/ Bell Direct] || 0800 140 180 || || No || ?
|-
| [http://www.directline.com/ Direct Line] || 0845 246 8701 || || ? || (require tracker and driver over 25yrs old)
|-
| [http://www.elephant.co.uk/ Elephant] || 0870 0401 140 or 0870 0131072 || || No ||
|-
| [http://www.footmanjames.co.uk/ Footman James] || 0121 561 4196 || || Not very - didn't even like Performance pack on Exige || Track day cover included but won't cover Car Limits driver training days with Andrew Walsh
Just called and they only cover classics, they have stopped insuring modern cars
|-
| [http://www.argos.co.uk/webapp/wcs/stores/servlet/ArgosFSCarInsuranceHomeView?langId=-1&storeId=10001 Argos] || 0800 015 4835 || || ? || ?
|-
| [http://www.asdafinance.com/car-insurance.html ASDA] || 0845 300 2310 || || ? || ?
|-
| [http://www.lv.com/insurance/car_insurance Liverpool Victoria] || 01202 292 333 || || ? || Driver must be 25+ on an Elise
|-
| [http://www.hastingsdirect.com More Than / Hastings] || 0800 072 4186 || || ? || ?
|-
| [http://www.michaelwardassociates.com Michael Ward] || 01707 378260 || || ? || Good for young drivers on all sports cars, very easy to deal with!
|-

|[http://www.skyinsurance.co.uk Sky Insurance]||03303 331 250|| || Yes ||Do not provided trackday cover in premium. Offer discount to other car clubs - including pistonheads. Admin fee of £60 included in quote but potential to waive that. Were offering underwriting by Chaucher for cover with modifications.
|-
|}

Insurance world 01604 615415

Norwich Union Direct 0800 092 9564

Privilege 0845 246 0275

Quoteline Direct 0870 442 9049

Tesco 0845 300 4400

Also remember that you can get affiliate money with some of the bigger insurance companies simply by taking out insurance via your QuidCo.com account. For example, More Than currently give £75 back via QuidCo. These cashback sites are discussed on the uber-price comparison site:
http://www.moneysavingexpert.com/insurance/compare-cheap-car-insurance

==Temporary Cover==
For instant short-term insurance for courtesy cars and test drives etc - car not needed to be owned by driver:

http://www.ecarinsurance.co.uk

http://www.dayinsure.com

http://www.tempcover.co.uk (some restrictions on insurance groups of cars they will cover - it will tell you during the quote)

Ecar, don't do day cover any more and none of the others above would cover an Elise as tried on Feb 2016, gives a message saying:
The vehicle has been identified as 'LOTUS ELISE 111R CONVERTIBLE 1796cc, 2dr Petrol Manual (04-07)' and unfortunately we are unable to offer insurance for this vehicle

== One-off Track Day Insurance ==

* REIS (formally Richard Egger Insurance) - http://www.reis.co.uk/
* Competition Car Insurance - http://www.competition-car-insurance.co.uk/enquiry.htm
* Morris - http://www.morispayment.co.uk/affiliate_trackday.asp?prefix=CIG

CCI insurance is cheaper if the event is a novice trackday, so be sure to mention it.

==Insurance Check==
Use this site to check whether any car in the UK is insured.

http://www.askmid.com
http://ownvehicle.askmid.com/ (direct link)

Use this site to check a cars MOT history. You need the registation plate and V5 document number.

http://www.motinfo.gov.uk

==Job Title==
Use this site to see what impact subtle variations in your job title can have on your premiums.

http://www.moneysavingexpert.com/insurance/car-insurance-job-picker/

==Postcode Risk Assessment==
Have a look at this site to see what risk assessment is associated with your postcode.

http://www.carinsuranceexplained.com/car_insurance_explained/insurance_postcode_risk.htm

==References==

<references>

[[Category:Reference]]
[[Category:Lotus Elise]]
[[Category:S1]]
[[Category:S2]]
[[Category:Lotus 2-Eleven]]
[[Category:S2 Exige]]
[[Category:Lotus Europa]]
[[Category:Lotus Esprit]]
[[Category:Lotus Evora]]
[[Category:VX220]]

Insurance

2017-08-15T17:02:49Z

S2Dave: /* Companies */

[http://www.seloc.org/membership/benefits/insurance/ Check the latest SELOC membership insurance benefits] [[Category: Misc ]]

==Companies==

{| border="1"
!Name & Weblink !! Phone !! Contact !! Mod Friendly !! Track Day Cover Included / Additional Information
|-
|[http://www.1answer.co.uk/ 1 Answer Insurance]||0800 276 1338|| ||Audi/ Honda/ Duratec/ Rover/ Toyota||6 Track days, 1 Answer insurance. Contact the team on 0800 276 1338 for a bespoke quote, which can include track days with reduced track day excess, agreed value, commuting, Class 1business use with standard features such as 60 European cover, reduced windscreen excess and legal cover. They can mirror NCB and you will earn NCB with their policies. The main Lotus insurer deals with limited mileage up to 12k pa, and they will insure all Audi, Duratec, Honda N/A, S/C, C/C set ups, along with Katana Toyota powered cars and modified Rover engined cars. Schnitzel (Rich Hermida) was the Sales Director and Seloc advertiser but left 1Answer in June 2017. DO NOT USE now Richard has left, no one will be able to resolve the renewal problems
'Equity Red Star' policies designed primarily for '2nd car' but will quote for commuting after referral to underwriter.
|-
|[http://www.reis.co.uk/ REIS || 0115 965 1020 || Mary Singleton (mention SELOC for special rates)|| Yes || Agreed Value Cover available. Track Day Cover (Now has Six days included - any venue in the UK or Europe, excluding Nurburgring/Nordschliffe) available - Excess is 10% of insured value. Glass Cover & Club Discounts all available. Discount for Andy Walsh/Car Limits Driver Training Day. Enhanced Windscreen Cover (up to £1000 per claim) as standard. All drivers must be 25+. Policies limited to 7000 miles per annum maximum. No premium load for Commuting although vehicle must be parked in works car park. Not able to provide cover if parked at station car park for commuting.
|-
|[http://www.competition-car-insurance.co.uk/ Competition Car Insurance (CCI)] || 0344 892 1966 || Option 4 || Yes || 4 free days with approved organisers & notification prior to day (1 days notice minimum) required. [If you have 2 years+ claim-free experience driving an Elise or similar, quotes are very competitive. 10% discounts available for SELOC Club Supporters. Also additional discount (10%) to be had for car control course / driver training - need certificate to prove attendance though]. Track cover includes some EU circuits (Nurburgring) but doesn't include recovery costs and windscreen damage not covered on track. Won't mirror NCB from another car, but were happy to give me 4 year's worth "introductory bonus". Policies limited to 7000 miles. **17.02.14 - confirmed have to be over 40yo**
May 2012 - Just got a quote and it included 6 track days with the same conditions as above. As of 2012, Aviva (CCI's underwriter) are heavily loading premiums for anyone that requires "commuting" cover, be sure to mention if you dont need it.
|-
|[http://www.heritage-quote.co.uk Heritage] ||0121 246 6062 - ask for Martin (drivers over 28yrs.) ||Discount for SELOC members || Yes || Track cover only included for club you are a member of eg LoT, cover is available for events with other TDOs at an additional premium. Will mirror NCB from other cars - no need to transfer your NCB to the vehicle insured with them. Check terms with Heritage. Spoke to on 11/1/2012 and refused to quote on Elise, saying they dont really deal with these any more. 25 Sept 2015 - Martin no longer there, struggle to insure newer cars, quoted £2k+ for V6 Exige (v's approx. £500 elsewhere)
|-
| [http://www.ckinsurance.co.uk Chris Knott] || 0800 917 2274 || Mention SELOC for special rates || Yes || Drivers over 30 (was 25 in previous years and may revert back in 2012). Need to have been driving your lotus for at least a year. Does not cover track days, but does offer multi-car policies.
Seemed concerned about whether they would be able to cover a V6 Exige with value in excess of £40k.
Cannot provide cover if you've had a fault claim in the last 12 months.
|-
| [http://www.hendersontaylor.co.uk/ Henderson Taylor insurance] || 0161 4377442 || (Matt) Mention SELOC for special rates || Yes || Trackdays included, mod friendly policies mostly underwritten by Aviva on very similar terms as CCI (also underwritten by Aviva). As of 22/11/11, mileage limited to 7500 (now 5000?) miles per annum for Lotus policies. As of 08/02/12 Matthew confirmed that unlimited policies are available. As of 2012, Aviva are heavily loading premiums for anyone that requires "commuting" cover, be sure to mention if you dont need it though Matt is on the ball and will almost certainly ask you. (Tyrex) - I spoke to Henderson today (4/1/13) who confirmed that the maximum annual mileage for their policies was 6000. 17.02.14 - maximum mileage is now 4500pa! 7/7/17 - Maximum mileage is now 5,000pa.
Cannot provide cover if you've had a fault claim in the last 12 months.
|-
| [http://www.manninguk.com/automotive/ Manning UK] || 01491 578759 || - || Yes (up to %age bhp limit) || Sportscar specialists (run club schemes for TVR/Porsche/Aston). Includes trackdays. Discounts for driver training. Happy to quote for Lotus too, very friendly/helpful. Target profile is primarily second car or low mileage (5K) drivers, werent competitive (for me) on a 9K miles policy. Well worth a try if you fit their profile though. Offer multi-car policies and unlimited track days. Honda transplants will exceed their bhp mod limit.
Days with non-ATDO track day companies are not covered, however Lotus on Track have recently joined ATDO.
Need to be over age of 25 for a policy (confirmed as of 17/12/2015)
Can still potentially provide cover if you've had a fault claim in the last 12 months.
|-
| [http://www.privateclients.aon.co.uk/privateclients/microsites/cars/ Lotus - Esteem / AON (Official)] || 08705 708090 or 01483 706055 or 51 || AON policies now moved to Footman James (below) || ? || (Require driver be 30 or over)
|-
| [http://www.aplan.co.uk/ A-Plan] || 01635 874 646 || Usually Matthew Minchin. Discount for SELOC members || Yes || Contact the Thatcham office for Lotus schemes. Can provide free 5 day UK trackday cover on Royal Sun Alliance policies. "ok with brakes and suspension upgrade but not too sure with the engine but ok in the end."<ref>[http://forums.seloc.org/viewthread.php?tid=321707 SELOC Forums » Suggestions, Q & A » modifying wikipage about insurance]</ref>
|-
| [http://www.adrianflux.co.uk/ Adrian Flux] || 0800 081 8989 || "Yellow department" Mention SELOC for special rates || Yes ||
|-
| [http://www.noeldazely.co.uk/ Noel Dazely] || 0870 0466604 || Mention SELOC for special rates || Yes || No longer exist - taken over by A-Plan (see above)
|-
| [http://www.admiral.com/car-insurance/ Admiral] || 0844 848 4416 (Single) or 0844 848 4316 (Multicar) || N/A || Yes (see details) || Can declare mods (although only the cost of replacement standard parts are covered. They don't cover remaps at all as of 24/03/2015). No track day cover. [http://www.admiral.com/multi-car-insurance/ Multicar policies] are particularly good value if you have two or more cars to insure. You can start a Multicar policy with one car and add others as they come up for renewal. Won't mirror NCB from another car (if there are more cars than people on the policy), but will give 4 years NCB free (which can be protected after the first year).
|-
| [http://www.bell.co.uk/ Bell Direct] || 0800 140 180 || || No || ?
|-
| [http://www.directline.com/ Direct Line] || 0845 246 8701 || || ? || (require tracker and driver over 25yrs old)
|-
| [http://www.elephant.co.uk/ Elephant] || 0870 0401 140 or 0870 0131072 || || No ||
|-
| [http://www.footmanjames.co.uk/ Footman James] || 0121 561 4196 || || Not very - didn't even like Performance pack on Exige || Track day cover included but won't cover Car Limits driver training days with Andrew Walsh
Just called and they only cover classics, they have stopped insuring modern cars
|-
| [http://www.argos.co.uk/webapp/wcs/stores/servlet/ArgosFSCarInsuranceHomeView?langId=-1&storeId=10001 Argos] || 0800 015 4835 || || ? || ?
|-
| [http://www.asdafinance.com/car-insurance.html ASDA] || 0845 300 2310 || || ? || ?
|-
| [http://www.lv.com/insurance/car_insurance Liverpool Victoria] || 01202 292 333 || || ? || Driver must be 25+ on an Elise
|-
| [http://www.hastingsdirect.com More Than / Hastings] || 0800 072 4186 || || ? || ?
|-
| [http://www.michaelwardassociates.com Michael Ward] || 01707 378260 || || ? || Good for young drivers on all sports cars, very easy to deal with!
|-

|[http://www.skyinsurance.co.uk Sky Insurance]||03303 331 250|| || Yes ||Do not provided trackday cover in premium. Offer discount to other car clubs - including pistonheads. Admin fee of £60 included in quote but potential to waive that. Were offering underwriting by Chaucher for cover with modifications.
|-
|}

Insurance world 01604 615415

Norwich Union Direct 0800 092 9564

Privilege 0845 246 0275

Quoteline Direct 0870 442 9049

Tesco 0845 300 4400

Also remember that you can get affiliate money with some of the bigger insurance companies simply by taking out insurance via your QuidCo.com account. For example, More Than currently give £75 back via QuidCo. These cashback sites are discussed on the uber-price comparison site:
http://www.moneysavingexpert.com/insurance/compare-cheap-car-insurance

==Temporary Cover==
For instant short-term insurance for courtesy cars and test drives etc - car not needed to be owned by driver:

http://www.ecarinsurance.co.uk

http://www.dayinsure.com

http://www.tempcover.co.uk (some restrictions on insurance groups of cars they will cover - it will tell you during the quote)

Ecar, don't do day cover any more and none of the others above would cover an Elise as tried on Feb 2016, gives a message saying:
The vehicle has been identified as 'LOTUS ELISE 111R CONVERTIBLE 1796cc, 2dr Petrol Manual (04-07)' and unfortunately we are unable to offer insurance for this vehicle

== One-off Track Day Insurance ==

* REIS (formally Richard Egger Insurance) - http://www.reis.co.uk/
* Competition Car Insurance - http://www.competition-car-insurance.co.uk/enquiry.htm
* Morris - http://www.morispayment.co.uk/affiliate_trackday.asp?prefix=CIG

CCI insurance is cheaper if the event is a novice trackday, so be sure to mention it.

==Insurance Check==
Use this site to check whether any car in the UK is insured.

http://www.askmid.com
http://ownvehicle.askmid.com/ (direct link)

Use this site to check a cars MOT history. You need the registation plate and V5 document number.

http://www.motinfo.gov.uk

==Job Title==
Use this site to see what impact subtle variations in your job title can have on your premiums.

http://www.moneysavingexpert.com/insurance/car-insurance-job-picker/

==Postcode Risk Assessment==
Have a look at this site to see what risk assessment is associated with your postcode.

http://www.carinsuranceexplained.com/car_insurance_explained/insurance_postcode_risk.htm

==References==

<references>

[[Category:Reference]]
[[Category:Lotus Elise]]
[[Category:S1]]
[[Category:S2]]
[[Category:Lotus 2-Eleven]]
[[Category:S2 Exige]]
[[Category:Lotus Europa]]
[[Category:Lotus Esprit]]
[[Category:Lotus Evora]]
[[Category:VX220]]

Insurance

2017-08-15T17:02:29Z

S2Dave: /* Companies */

[http://www.seloc.org/membership/benefits/insurance/ Check the latest SELOC membership insurance benefits] [[Category: Misc ]]

==Companies==

{| border="1"
!Name & Weblink !! Phone !! Contact !! Mod Friendly !! Track Day Cover Included / Additional Information
|-
|[http://www.1answer.co.uk/ 1 Answer Insurance]||0800 276 1338|| ||Audi/ Honda/ Duratec/ Rover/ Toyota||6 Track days, 1 Answer insurance. Contact the team on 0800 276 1338 for a bespoke quote, which can include track days with reduced track day excess, agreed value, commuting, Class 1business use with standard features such as 60 European cover, reduced windscreen excess and legal cover. They can mirror NCB and you will earn NCB with their policies. The main Lotus insurer deals with limited mileage up to 12k pa, and they will insure all Audi, Duratec, Honda N/A, S/C, C/C set ups, along with Katana Toyota powered cars and modified Rover engined cars. Schnitzel (Rich Hermida) was the Sales Director and Seloc advertiser but left 1Answer in June 2017. DO NOT USE now Richard has left, no one will be able to resolve the renewal mess
'Equity Red Star' policies designed primarily for '2nd car' but will quote for commuting after referral to underwriter.
|-
|[http://www.reis.co.uk/ REIS || 0115 965 1020 || Mary Singleton (mention SELOC for special rates)|| Yes || Agreed Value Cover available. Track Day Cover (Now has Six days included - any venue in the UK or Europe, excluding Nurburgring/Nordschliffe) available - Excess is 10% of insured value. Glass Cover & Club Discounts all available. Discount for Andy Walsh/Car Limits Driver Training Day. Enhanced Windscreen Cover (up to £1000 per claim) as standard. All drivers must be 25+. Policies limited to 7000 miles per annum maximum. No premium load for Commuting although vehicle must be parked in works car park. Not able to provide cover if parked at station car park for commuting.
|-
|[http://www.competition-car-insurance.co.uk/ Competition Car Insurance (CCI)] || 0344 892 1966 || Option 4 || Yes || 4 free days with approved organisers & notification prior to day (1 days notice minimum) required. [If you have 2 years+ claim-free experience driving an Elise or similar, quotes are very competitive. 10% discounts available for SELOC Club Supporters. Also additional discount (10%) to be had for car control course / driver training - need certificate to prove attendance though]. Track cover includes some EU circuits (Nurburgring) but doesn't include recovery costs and windscreen damage not covered on track. Won't mirror NCB from another car, but were happy to give me 4 year's worth "introductory bonus". Policies limited to 7000 miles. **17.02.14 - confirmed have to be over 40yo**
May 2012 - Just got a quote and it included 6 track days with the same conditions as above. As of 2012, Aviva (CCI's underwriter) are heavily loading premiums for anyone that requires "commuting" cover, be sure to mention if you dont need it.
|-
|[http://www.heritage-quote.co.uk Heritage] ||0121 246 6062 - ask for Martin (drivers over 28yrs.) ||Discount for SELOC members || Yes || Track cover only included for club you are a member of eg LoT, cover is available for events with other TDOs at an additional premium. Will mirror NCB from other cars - no need to transfer your NCB to the vehicle insured with them. Check terms with Heritage. Spoke to on 11/1/2012 and refused to quote on Elise, saying they dont really deal with these any more. 25 Sept 2015 - Martin no longer there, struggle to insure newer cars, quoted £2k+ for V6 Exige (v's approx. £500 elsewhere)
|-
| [http://www.ckinsurance.co.uk Chris Knott] || 0800 917 2274 || Mention SELOC for special rates || Yes || Drivers over 30 (was 25 in previous years and may revert back in 2012). Need to have been driving your lotus for at least a year. Does not cover track days, but does offer multi-car policies.
Seemed concerned about whether they would be able to cover a V6 Exige with value in excess of £40k.
Cannot provide cover if you've had a fault claim in the last 12 months.
|-
| [http://www.hendersontaylor.co.uk/ Henderson Taylor insurance] || 0161 4377442 || (Matt) Mention SELOC for special rates || Yes || Trackdays included, mod friendly policies mostly underwritten by Aviva on very similar terms as CCI (also underwritten by Aviva). As of 22/11/11, mileage limited to 7500 (now 5000?) miles per annum for Lotus policies. As of 08/02/12 Matthew confirmed that unlimited policies are available. As of 2012, Aviva are heavily loading premiums for anyone that requires "commuting" cover, be sure to mention if you dont need it though Matt is on the ball and will almost certainly ask you. (Tyrex) - I spoke to Henderson today (4/1/13) who confirmed that the maximum annual mileage for their policies was 6000. 17.02.14 - maximum mileage is now 4500pa! 7/7/17 - Maximum mileage is now 5,000pa.
Cannot provide cover if you've had a fault claim in the last 12 months.
|-
| [http://www.manninguk.com/automotive/ Manning UK] || 01491 578759 || - || Yes (up to %age bhp limit) || Sportscar specialists (run club schemes for TVR/Porsche/Aston). Includes trackdays. Discounts for driver training. Happy to quote for Lotus too, very friendly/helpful. Target profile is primarily second car or low mileage (5K) drivers, werent competitive (for me) on a 9K miles policy. Well worth a try if you fit their profile though. Offer multi-car policies and unlimited track days. Honda transplants will exceed their bhp mod limit.
Days with non-ATDO track day companies are not covered, however Lotus on Track have recently joined ATDO.
Need to be over age of 25 for a policy (confirmed as of 17/12/2015)
Can still potentially provide cover if you've had a fault claim in the last 12 months.
|-
| [http://www.privateclients.aon.co.uk/privateclients/microsites/cars/ Lotus - Esteem / AON (Official)] || 08705 708090 or 01483 706055 or 51 || AON policies now moved to Footman James (below) || ? || (Require driver be 30 or over)
|-
| [http://www.aplan.co.uk/ A-Plan] || 01635 874 646 || Usually Matthew Minchin. Discount for SELOC members || Yes || Contact the Thatcham office for Lotus schemes. Can provide free 5 day UK trackday cover on Royal Sun Alliance policies. "ok with brakes and suspension upgrade but not too sure with the engine but ok in the end."<ref>[http://forums.seloc.org/viewthread.php?tid=321707 SELOC Forums » Suggestions, Q & A » modifying wikipage about insurance]</ref>
|-
| [http://www.adrianflux.co.uk/ Adrian Flux] || 0800 081 8989 || "Yellow department" Mention SELOC for special rates || Yes ||
|-
| [http://www.noeldazely.co.uk/ Noel Dazely] || 0870 0466604 || Mention SELOC for special rates || Yes || No longer exist - taken over by A-Plan (see above)
|-
| [http://www.admiral.com/car-insurance/ Admiral] || 0844 848 4416 (Single) or 0844 848 4316 (Multicar) || N/A || Yes (see details) || Can declare mods (although only the cost of replacement standard parts are covered. They don't cover remaps at all as of 24/03/2015). No track day cover. [http://www.admiral.com/multi-car-insurance/ Multicar policies] are particularly good value if you have two or more cars to insure. You can start a Multicar policy with one car and add others as they come up for renewal. Won't mirror NCB from another car (if there are more cars than people on the policy), but will give 4 years NCB free (which can be protected after the first year).
|-
| [http://www.bell.co.uk/ Bell Direct] || 0800 140 180 || || No || ?
|-
| [http://www.directline.com/ Direct Line] || 0845 246 8701 || || ? || (require tracker and driver over 25yrs old)
|-
| [http://www.elephant.co.uk/ Elephant] || 0870 0401 140 or 0870 0131072 || || No ||
|-
| [http://www.footmanjames.co.uk/ Footman James] || 0121 561 4196 || || Not very - didn't even like Performance pack on Exige || Track day cover included but won't cover Car Limits driver training days with Andrew Walsh
Just called and they only cover classics, they have stopped insuring modern cars
|-
| [http://www.argos.co.uk/webapp/wcs/stores/servlet/ArgosFSCarInsuranceHomeView?langId=-1&storeId=10001 Argos] || 0800 015 4835 || || ? || ?
|-
| [http://www.asdafinance.com/car-insurance.html ASDA] || 0845 300 2310 || || ? || ?
|-
| [http://www.lv.com/insurance/car_insurance Liverpool Victoria] || 01202 292 333 || || ? || Driver must be 25+ on an Elise
|-
| [http://www.hastingsdirect.com More Than / Hastings] || 0800 072 4186 || || ? || ?
|-
| [http://www.michaelwardassociates.com Michael Ward] || 01707 378260 || || ? || Good for young drivers on all sports cars, very easy to deal with!
|-

|[http://www.skyinsurance.co.uk Sky Insurance]||03303 331 250|| || Yes ||Do not provided trackday cover in premium. Offer discount to other car clubs - including pistonheads. Admin fee of £60 included in quote but potential to waive that. Were offering underwriting by Chaucher for cover with modifications.
|-
|}

Insurance world 01604 615415

Norwich Union Direct 0800 092 9564

Privilege 0845 246 0275

Quoteline Direct 0870 442 9049

Tesco 0845 300 4400

Also remember that you can get affiliate money with some of the bigger insurance companies simply by taking out insurance via your QuidCo.com account. For example, More Than currently give £75 back via QuidCo. These cashback sites are discussed on the uber-price comparison site:
http://www.moneysavingexpert.com/insurance/compare-cheap-car-insurance

==Temporary Cover==
For instant short-term insurance for courtesy cars and test drives etc - car not needed to be owned by driver:

http://www.ecarinsurance.co.uk

http://www.dayinsure.com

http://www.tempcover.co.uk (some restrictions on insurance groups of cars they will cover - it will tell you during the quote)

Ecar, don't do day cover any more and none of the others above would cover an Elise as tried on Feb 2016, gives a message saying:
The vehicle has been identified as 'LOTUS ELISE 111R CONVERTIBLE 1796cc, 2dr Petrol Manual (04-07)' and unfortunately we are unable to offer insurance for this vehicle

== One-off Track Day Insurance ==

* REIS (formally Richard Egger Insurance) - http://www.reis.co.uk/
* Competition Car Insurance - http://www.competition-car-insurance.co.uk/enquiry.htm
* Morris - http://www.morispayment.co.uk/affiliate_trackday.asp?prefix=CIG

CCI insurance is cheaper if the event is a novice trackday, so be sure to mention it.

==Insurance Check==
Use this site to check whether any car in the UK is insured.

http://www.askmid.com
http://ownvehicle.askmid.com/ (direct link)

Use this site to check a cars MOT history. You need the registation plate and V5 document number.

http://www.motinfo.gov.uk

==Job Title==
Use this site to see what impact subtle variations in your job title can have on your premiums.

http://www.moneysavingexpert.com/insurance/car-insurance-job-picker/

==Postcode Risk Assessment==
Have a look at this site to see what risk assessment is associated with your postcode.

http://www.carinsuranceexplained.com/car_insurance_explained/insurance_postcode_risk.htm

==References==

<references>

[[Category:Reference]]
[[Category:Lotus Elise]]
[[Category:S1]]
[[Category:S2]]
[[Category:Lotus 2-Eleven]]
[[Category:S2 Exige]]
[[Category:Lotus Europa]]
[[Category:Lotus Esprit]]
[[Category:Lotus Evora]]
[[Category:VX220]]

Insurance

2017-08-15T17:01:33Z

S2Dave: /* Companies */

[http://www.seloc.org/membership/benefits/insurance/ Check the latest SELOC membership insurance benefits] [[Category: Misc ]]

==Companies==

{| border="1"
!Name & Weblink !! Phone !! Contact !! Mod Friendly !! Track Day Cover Included / Additional Information
|-
|[http://www.1answer.co.uk/ 1 Answer Insurance]||0800 276 1338|| ||Audi/ Honda/ Duratec/ Rover/ Toyota||6 Track days, 1 Answer insurance. Contact the team on 0800 276 1338 for a bespoke quote, which can include track days with reduced track day excess, agreed value, commuting, Class 1business use with standard features such as 60 European cover, reduced windscreen excess and legal cover. They can mirror NCB and you will earn NCB with their policies. The main Lotus insurer deals with limited mileage up to 12k pa, and they will insure all Audi, Duratec, Honda N/A, S/C, C/C set ups, along with Katana Toyota powered cars and modified Rover engined cars. Schnitzel (Rich Hermida) was the Sales Director and Seloc advertiser but left 1Answer in June 2017. DO NOT USE
'Equity Red Star' policies designed primarily for '2nd car' but will quote for commuting after referral to underwriter.
|-
|[http://www.reis.co.uk/ REIS || 0115 965 1020 || Mary Singleton (mention SELOC for special rates)|| Yes || Agreed Value Cover available. Track Day Cover (Now has Six days included - any venue in the UK or Europe, excluding Nurburgring/Nordschliffe) available - Excess is 10% of insured value. Glass Cover & Club Discounts all available. Discount for Andy Walsh/Car Limits Driver Training Day. Enhanced Windscreen Cover (up to £1000 per claim) as standard. All drivers must be 25+. Policies limited to 7000 miles per annum maximum. No premium load for Commuting although vehicle must be parked in works car park. Not able to provide cover if parked at station car park for commuting.
|-
|[http://www.competition-car-insurance.co.uk/ Competition Car Insurance (CCI)] || 0344 892 1966 || Option 4 || Yes || 4 free days with approved organisers & notification prior to day (1 days notice minimum) required. [If you have 2 years+ claim-free experience driving an Elise or similar, quotes are very competitive. 10% discounts available for SELOC Club Supporters. Also additional discount (10%) to be had for car control course / driver training - need certificate to prove attendance though]. Track cover includes some EU circuits (Nurburgring) but doesn't include recovery costs and windscreen damage not covered on track. Won't mirror NCB from another car, but were happy to give me 4 year's worth "introductory bonus". Policies limited to 7000 miles. **17.02.14 - confirmed have to be over 40yo**
May 2012 - Just got a quote and it included 6 track days with the same conditions as above. As of 2012, Aviva (CCI's underwriter) are heavily loading premiums for anyone that requires "commuting" cover, be sure to mention if you dont need it.
|-
|[http://www.heritage-quote.co.uk Heritage] ||0121 246 6062 - ask for Martin (drivers over 28yrs.) ||Discount for SELOC members || Yes || Track cover only included for club you are a member of eg LoT, cover is available for events with other TDOs at an additional premium. Will mirror NCB from other cars - no need to transfer your NCB to the vehicle insured with them. Check terms with Heritage. Spoke to on 11/1/2012 and refused to quote on Elise, saying they dont really deal with these any more. 25 Sept 2015 - Martin no longer there, struggle to insure newer cars, quoted £2k+ for V6 Exige (v's approx. £500 elsewhere)
|-
| [http://www.ckinsurance.co.uk Chris Knott] || 0800 917 2274 || Mention SELOC for special rates || Yes || Drivers over 30 (was 25 in previous years and may revert back in 2012). Need to have been driving your lotus for at least a year. Does not cover track days, but does offer multi-car policies.
Seemed concerned about whether they would be able to cover a V6 Exige with value in excess of £40k.
Cannot provide cover if you've had a fault claim in the last 12 months.
|-
| [http://www.hendersontaylor.co.uk/ Henderson Taylor insurance] || 0161 4377442 || (Matt) Mention SELOC for special rates || Yes || Trackdays included, mod friendly policies mostly underwritten by Aviva on very similar terms as CCI (also underwritten by Aviva). As of 22/11/11, mileage limited to 7500 (now 5000?) miles per annum for Lotus policies. As of 08/02/12 Matthew confirmed that unlimited policies are available. As of 2012, Aviva are heavily loading premiums for anyone that requires "commuting" cover, be sure to mention if you dont need it though Matt is on the ball and will almost certainly ask you. (Tyrex) - I spoke to Henderson today (4/1/13) who confirmed that the maximum annual mileage for their policies was 6000. 17.02.14 - maximum mileage is now 4500pa! 7/7/17 - Maximum mileage is now 5,000pa.
Cannot provide cover if you've had a fault claim in the last 12 months.
|-
| [http://www.manninguk.com/automotive/ Manning UK] || 01491 578759 || - || Yes (up to %age bhp limit) || Sportscar specialists (run club schemes for TVR/Porsche/Aston). Includes trackdays. Discounts for driver training. Happy to quote for Lotus too, very friendly/helpful. Target profile is primarily second car or low mileage (5K) drivers, werent competitive (for me) on a 9K miles policy. Well worth a try if you fit their profile though. Offer multi-car policies and unlimited track days. Honda transplants will exceed their bhp mod limit.
Days with non-ATDO track day companies are not covered, however Lotus on Track have recently joined ATDO.
Need to be over age of 25 for a policy (confirmed as of 17/12/2015)
Can still potentially provide cover if you've had a fault claim in the last 12 months.
|-
| [http://www.privateclients.aon.co.uk/privateclients/microsites/cars/ Lotus - Esteem / AON (Official)] || 08705 708090 or 01483 706055 or 51 || AON policies now moved to Footman James (below) || ? || (Require driver be 30 or over)
|-
| [http://www.aplan.co.uk/ A-Plan] || 01635 874 646 || Usually Matthew Minchin. Discount for SELOC members || Yes || Contact the Thatcham office for Lotus schemes. Can provide free 5 day UK trackday cover on Royal Sun Alliance policies. "ok with brakes and suspension upgrade but not too sure with the engine but ok in the end."<ref>[http://forums.seloc.org/viewthread.php?tid=321707 SELOC Forums » Suggestions, Q & A » modifying wikipage about insurance]</ref>
|-
| [http://www.adrianflux.co.uk/ Adrian Flux] || 0800 081 8989 || "Yellow department" Mention SELOC for special rates || Yes ||
|-
| [http://www.noeldazely.co.uk/ Noel Dazely] || 0870 0466604 || Mention SELOC for special rates || Yes || No longer exist - taken over by A-Plan (see above)
|-
| [http://www.admiral.com/car-insurance/ Admiral] || 0844 848 4416 (Single) or 0844 848 4316 (Multicar) || N/A || Yes (see details) || Can declare mods (although only the cost of replacement standard parts are covered. They don't cover remaps at all as of 24/03/2015). No track day cover. [http://www.admiral.com/multi-car-insurance/ Multicar policies] are particularly good value if you have two or more cars to insure. You can start a Multicar policy with one car and add others as they come up for renewal. Won't mirror NCB from another car (if there are more cars than people on the policy), but will give 4 years NCB free (which can be protected after the first year).
|-
| [http://www.bell.co.uk/ Bell Direct] || 0800 140 180 || || No || ?
|-
| [http://www.directline.com/ Direct Line] || 0845 246 8701 || || ? || (require tracker and driver over 25yrs old)
|-
| [http://www.elephant.co.uk/ Elephant] || 0870 0401 140 or 0870 0131072 || || No ||
|-
| [http://www.footmanjames.co.uk/ Footman James] || 0121 561 4196 || || Not very - didn't even like Performance pack on Exige || Track day cover included but won't cover Car Limits driver training days with Andrew Walsh
Just called and they only cover classics, they have stopped insuring modern cars
|-
| [http://www.argos.co.uk/webapp/wcs/stores/servlet/ArgosFSCarInsuranceHomeView?langId=-1&storeId=10001 Argos] || 0800 015 4835 || || ? || ?
|-
| [http://www.asdafinance.com/car-insurance.html ASDA] || 0845 300 2310 || || ? || ?
|-
| [http://www.lv.com/insurance/car_insurance Liverpool Victoria] || 01202 292 333 || || ? || Driver must be 25+ on an Elise
|-
| [http://www.hastingsdirect.com More Than / Hastings] || 0800 072 4186 || || ? || ?
|-
| [http://www.michaelwardassociates.com Michael Ward] || 01707 378260 || || ? || Good for young drivers on all sports cars, very easy to deal with!
|-

|[http://www.skyinsurance.co.uk Sky Insurance]||03303 331 250|| || Yes ||Do not provided trackday cover in premium. Offer discount to other car clubs - including pistonheads. Admin fee of £60 included in quote but potential to waive that. Were offering underwriting by Chaucher for cover with modifications.
|-
|}

Insurance world 01604 615415

Norwich Union Direct 0800 092 9564

Privilege 0845 246 0275

Quoteline Direct 0870 442 9049

Tesco 0845 300 4400

Also remember that you can get affiliate money with some of the bigger insurance companies simply by taking out insurance via your QuidCo.com account. For example, More Than currently give £75 back via QuidCo. These cashback sites are discussed on the uber-price comparison site:
http://www.moneysavingexpert.com/insurance/compare-cheap-car-insurance

==Temporary Cover==
For instant short-term insurance for courtesy cars and test drives etc - car not needed to be owned by driver:

http://www.ecarinsurance.co.uk

http://www.dayinsure.com

http://www.tempcover.co.uk (some restrictions on insurance groups of cars they will cover - it will tell you during the quote)

Ecar, don't do day cover any more and none of the others above would cover an Elise as tried on Feb 2016, gives a message saying:
The vehicle has been identified as 'LOTUS ELISE 111R CONVERTIBLE 1796cc, 2dr Petrol Manual (04-07)' and unfortunately we are unable to offer insurance for this vehicle

== One-off Track Day Insurance ==

* REIS (formally Richard Egger Insurance) - http://www.reis.co.uk/
* Competition Car Insurance - http://www.competition-car-insurance.co.uk/enquiry.htm
* Morris - http://www.morispayment.co.uk/affiliate_trackday.asp?prefix=CIG

CCI insurance is cheaper if the event is a novice trackday, so be sure to mention it.

==Insurance Check==
Use this site to check whether any car in the UK is insured.

http://www.askmid.com
http://ownvehicle.askmid.com/ (direct link)

Use this site to check a cars MOT history. You need the registation plate and V5 document number.

http://www.motinfo.gov.uk

==Job Title==
Use this site to see what impact subtle variations in your job title can have on your premiums.

http://www.moneysavingexpert.com/insurance/car-insurance-job-picker/

==Postcode Risk Assessment==
Have a look at this site to see what risk assessment is associated with your postcode.

http://www.carinsuranceexplained.com/car_insurance_explained/insurance_postcode_risk.htm

==References==

<references>

[[Category:Reference]]
[[Category:Lotus Elise]]
[[Category:S1]]
[[Category:S2]]
[[Category:Lotus 2-Eleven]]
[[Category:S2 Exige]]
[[Category:Lotus Europa]]
[[Category:Lotus Esprit]]
[[Category:Lotus Evora]]
[[Category:VX220]]

Throttle Position Sensor

2010-04-14T19:40:09Z

S2Dave: /* Manual recalibration */

[[Image:TPS.jpg|thumb|left|TPS]]
The '''Throttle Position Sensor''' (TPS) is a potentiometer attached to the [[throttle body]] which notifies the [[ECU]] about the position of the throttle. Among other things it helps the engine maintain a stable idle speed.
{{clr}}

== Common faults ==
The TPS is sensitive to heat, moisture and vibration leading to the failure of some units. The sensor is a sealed unit and cannot be repaired only replaced. A TPS may fail gradually leading to a number of symptoms which can include one or more of the following: -

* '''Poor idle control''': The TPS is used by the [[ECU]] to determine if the throttle is closed and the car should be using the [[Idle Air Control Valve]] exclusively for idle control. A fault TPS sensor can confuse the ECU causing the idle to be erratic or "hunting".

* '''High Idle Speed''': The TPS may report faulty values causing the engine idle speed to be increased above normal. This is normally found in conjunction with a slow engine return to idle speed symptom.

* '''Slow engine return to idle''': A failing TPS can report the minimum throttle position values incorrectly which can stop the engine entering idle mode when the throttle is closed. Normally when the throttle is closed the engine fuel injectors will be deactivated until a defined engine RPM speed is reached and the engine brought smoothly to idle speed. When failing a TPS will not report the throttle closed and fueling will continue causing the engine to return to idle very slowly.

* '''Engine Hesitation on Throttle Application''': The TPS is also used by the [[ECU]] to determine if the driver has applied the throttle quicker than the Manifold Air Pressure sensor can read. The fueling is adjusted acordingly to cope with the sudden increase in air volume, however a faulty sensor can cause the [[ECU]] to ignore this data and the engine will "hesitate" when applying the throttle. In extreme cases with the engine at idle, a sudden application of full throttle can stall the engine.

* '''Engine Misfire''': A fault TPS can report values outside the deined acceptable range causing the [[ECU]] to incorrectly fuel the engine. This is noticable as a slight misfire and can trigger the misfire detection software and/or Malfunction Indicator Lamp (MIL) light on the dashboard. Extreme cases can cause excessing misfires resulting in one or more cylinders being shut down to prevent engine and catalytic converter damage.

== Manual recalibration ==
In all cases a manual recalibration of the TPS may resolve the issues at least on a temporary basis. To recalibrate the TPS: -
# With the engine off, insert the key and turn the ignition to position 2 (On) without starting the engine.
# For MEMS-equipped cars (S1)Or S2 Rover engined cars, '''quickly''' but steadily press and release the accelerator pedal 5 times for TPS calibration, using all of the throttle travel as practicable. It is better to do this from the engine bay, using the cam on the throttle body, as this ensures you get 0-100% operation of the throttle, and correct calibration, If your throttle cable or mech does not give 100% throttle, calibration will be out. And potentially you will be wasting your time. This will trigger the ECU into the closed-throttle reference learn algorithm, which has it looking for the lowest measured static throttle position (the closed position). The throttle position calibration is a fixed definition from this point.
# Turn the ignition off, remove the key and wait for the ECU to power down (about 30-40s).
# Start car as normal.

== Replacement ==
It's often sold and replaced as part of the throttle body itself however can be replaced separately.

If any of the wires have snapped in the plug its a 3 Pin Female Junior Power Timer from here http://www.autoelectricsupplies.co.uk/product/680

== External links ==
* http://en.wikipedia.org/wiki/Throttle_position_sensor
* http://en.wikipedia.org/wiki/Potentiometer
* http://www.eliseparts.com/products.php?product=234

[[Category:Engine]]
[[Category:Air Induction]]

Insurance Write Off Categories

2010-04-12T18:05:26Z

S2Dave:

'''Category A'''

A vehicle that has been written-off and which must be completely destroyed. It cannot be used for dismantling into its parts .

Notification of Destruction required. (To be crushed). Recorded at DVLA & HPI

'''Category B'''

A vehicle that has been written-off but where it's parts may be re-used. However, the body shell cannot be re-used and must be destroyed.

Notification of Destruction required. (Parts can be removed and sold). Recorded at DVLA & HPI

'''Category C'''

An insurance write-off mainly due to the cost of repair would be greated than the value of the car. It is suitable to repair to make it roadworthy.

Can be sold for repair but must now have VIC inspection.
Recorded at DVLA & HPI.

'''Category D'''

An insurance write-off for other reasons as the repair costs may be less than the value of the vehicle. It is suitable to repair to make it roadworthy.

Recorded with HPI.

'''Category X'''

A vehicle which is not listed as being damaged on the HPI register, or one which may have very little damage. Often these are vehicles that have been stolen and then recovered.

Car/Vehicle Salvage
Most people think vehicle salvage means a heap of metal, which does not drive and is not worth a penny. This is absolute nonsense because yes vehicle salvage can be a heap of metal which is worthless, but more often than not vehicle salvage simply means the car is damaged and can be repaired.

As this definition of vehicle salvage is vague it is best to inform you that vehicle salvage actually comes in categories and they are A, B, C, D and X, all with various pros and cons and as explained in this article can make us a nice bit of cash and many people use it as their main source of income.

Firstly we will define the vehicle salvage categories in the below vehicle salvage guidelines:

Category A suits the original theory of vehicle salvage being a heap of metal. Fire damaged (burnt-out), flood damaged (contaminated or salt water), severely damaged with no serviceable parts, or heavily stripped (shell).

Category B Damaged beyond economical repair and/or severe structural damage, however if you broke the vehicle salvage and sold the car parts you would stand to make a profit.

Category C is where the vehicle can be repaired and can bring you a profit. The damage may still be a lot but it is fixable to a road worthy state. If you get it done by a retailer they the costs may exceed the pre accident value, however if you know how to do something's yourself or have a relationship with a certain garage you will almost certainly make a profit. Since category C is on the border of breaking the vehicle salvage down for car parts and fixing the vehicle salvage up, you should always ensure you can fix it up for a profit before purchasing.

Category D ensures the vehicle is always repairable and that the cost of doing so (retailer or no retailer) will be less than the pre sale value, thus making you a tidy profit. The damage is always less than a category C and often parts such as new wings or bumpers are needed with very little damage.

Category X is the best vehicle salvage around since the car has no or little damage (apart from wear and tear from the previous owners) to it and is simply stolen recovered or unclassified as being in an accident. This type of vehicle salvage always makes a high profit.

Therefore vehicle salvage can be categories and vehicle salvage guidelines produced and as a rule of thumb category's A and B are used for car parts, categories C and D are for repairs and category X is a bargain

Insurance Write Off Categories

2010-04-12T18:04:52Z

S2Dave:

Insurance Write Off Categories

2010-04-12T18:02:43Z

S2Dave:

'''Category A'''

A vehicle that has been written-off and which must be completely destroyed. It cannot be used for dismantling into its parts .

Notification of Destruction required. (To be crushed). Recorded at DVLA & HPI

'''Category B'''

A vehicle that has been written-off but where it's parts may be re-used. However, the body shell cannot be re-used and must be destroyed.

Notification of Destruction required. (Parts can be removed and sold). Recorded at DVLA & HPI

'''Category C'''

An insurance write-off mainly due to the cost of repair would be greated than the value of the car. It is suitable to repair to make it roadworthy.

Can be sold for repair but must now have VIC inspection.
Recorded at DVLA & HPI.

'''Category D'''

An insurance write-off for other reasons as the repair costs may be less than the value of the vehicle. It is suitable to repair to make it roadworthy.

Recorded with HPI.

'''Category X'''

A vehicle which is not listed as being damaged on the HPI register, or one which may have very little damage. Often these are vehicles that have been stolen and then recovered.

'''Car/Vehicle Salvage'''

Most people think vehicle salvage means a heap of metal, which does not drive and is not worth a penny. This is absolute nonsense because yes vehicle salvage can be a heap of metal which is worthless, but more often than not vehicle salvage simply means the car is damaged and can be repaired.

As this definition of vehicle salvage is vague it is best to inform you that vehicle salvage actually comes in categories and they are A, B, C, D and X, all with various pros and cons and as explained in this article can make us a nice bit of cash and many people use it as their main source of income.

Firstly we will define the vehicle salvage categories in the below vehicle salvage guidelines:

'''Category A'''

suits the original theory of vehicle salvage being a heap of metal. Fire damaged (burnt-out), flood damaged (contaminated or salt water), severely damaged with no serviceable parts, or heavily stripped (shell).

'''Category B'''

Damaged beyond economical repair and/or severe structural damage, however if you broke the vehicle salvage and sold the car parts you would stand to make a profit.

'''Category C'''

is where the vehicle can be repaired and can bring you a profit. The damage may still be a lot but it is fixable to a road worthy state. If you get it done by a retailer they the costs may exceed the pre accident value, however if you know how to do something's yourself or have a relationship with a certain garage you will almost certainly make a profit. Since category C is on the border of breaking the vehicle salvage down for car parts and fixing the vehicle salvage up, you should always ensure you can fix it up for a profit before purchasing.

'''Category D'''

ensures the vehicle is always repairable and that the cost of doing so (retailer or no retailer) will be less than the pre sale value, thus making you a tidy profit. The damage is always less than a category C and often parts such as new wings or bumpers are needed with very little damage.

'''Category X'''

is the best vehicle salvage around since the car has no or little damage (apart from wear and tear from the previous owners) to it and is simply stolen recovered or unclassified as being in an accident. This type of vehicle salvage always makes a high profit.

Therefore vehicle salvage can be categories and vehicle salvage guidelines produced and as a rule of thumb category's A and B are used for car parts, categories C and D are for repairs and category X is a bargain

Insurance Write Off Categories

2010-04-12T18:00:37Z

S2Dave:

'''Category A'''

A vehicle that has been written-off and which must be completely destroyed. It cannot be used for dismantling into its parts .

Notification of Destruction required. (To be crushed). Recorded at DVLA & HPI

'''Category B'''

A vehicle that has been written-off but where it's parts may be re-used. However, the body shell cannot be re-used and must be destroyed.

Notification of Destruction required. (Parts can be removed and sold). Recorded at DVLA & HPI

'''Category C'''

An insurance write-off mainly due to the cost of repair would be greated than the value of the car. It is suitable to repair to make it roadworthy.

Can be sold for repair but must now have VIC inspection.
Recorded at DVLA & HPI.

'''Category D'''

An insurance write-off for other reasons as the repair costs may be less than the value of the vehicle. It is suitable to repair to make it roadworthy.

Recorded with HPI.

'''Category X'''

A vehicle which is not listed as being damaged on the HPI register, or one which may have very little damage. Often these are vehicles that have been stolen and then recovered.

Car/Vehicle Salvage

Most people think vehicle salvage means a heap of metal, which does not drive and is not worth a penny. This is absolute nonsense because yes vehicle salvage can be a heap of metal which is worthless, but more often than not vehicle salvage simply means the car is damaged and can be repaired.

As this definition of vehicle salvage is vague it is best to inform you that vehicle salvage actually comes in categories and they are A, B, C, D and X, all with various pros and cons and as explained in this article can make us a nice bit of cash and many people use it as their main source of income.

Firstly we will define the vehicle salvage categories in the below vehicle salvage guidelines:

'''Category A'''

suits the original theory of vehicle salvage being a heap of metal. Fire damaged (burnt-out), flood damaged (contaminated or salt water), severely damaged with no serviceable parts, or heavily stripped (shell).

'''Category B'''

Damaged beyond economical repair and/or severe structural damage, however if you broke the vehicle salvage and sold the car parts you would stand to make a profit.

'''Category C'''

is where the vehicle can be repaired and can bring you a profit. The damage may still be a lot but it is fixable to a road worthy state. If you get it done by a retailer they the costs may exceed the pre accident value, however if you know how to do something's yourself or have a relationship with a certain garage you will almost certainly make a profit. Since category C is on the border of breaking the vehicle salvage down for car parts and fixing the vehicle salvage up, you should always ensure you can fix it up for a profit before purchasing.

'''Category D'''

ensures the vehicle is always repairable and that the cost of doing so (retailer or no retailer) will be less than the pre sale value, thus making you a tidy profit. The damage is always less than a category C and often parts such as new wings or bumpers are needed with very little damage.

'''Category X'''

is the best vehicle salvage around since the car has no or little damage (apart from wear and tear from the previous owners) to it and is simply stolen recovered or unclassified as being in an accident. This type of vehicle salvage always makes a high profit.

Therefore vehicle salvage can be categories and vehicle salvage guidelines produced and as a rule of thumb category's A and B are used for car parts, categories C and D are for repairs and category X is a bargain

Insurance Write Off Categories

2010-04-12T17:25:04Z

S2Dave:

Insurance Write Off Categories

2010-04-12T17:24:30Z

S2Dave:

Insurance Write Off Categories

2010-04-12T17:22:51Z

S2Dave:

'''''Category A'''''
A vehicle that has been written-off and which must be completely destroyed. It cannot be used for dismantling into its parts .

Notification of Destruction required. (To be crushed). Recorded at DVLA & HPI

'''''Category B'''''
A vehicle that has been written-off but where it's parts may be re-used. However, the body shell cannot be re-used and must be destroyed.

Notification of Destruction required. (Parts can be removed and sold). Recorded at DVLA & HPI

'''''Category C'''''
An insurance write-off mainly due to the cost of repair would be greated than the value of the car. It is suitable to repair to make it roadworthy.

Can be sold for repair but must now have VIC inspection.
Recorded at DVLA & HPI.

'''''Category D'''''
An insurance write-off for other reasons as the repair costs may be less than the value of the vehicle. It is suitable to repair to make it roadworthy.

Recorded with HPI.

'''''Category X'''''
A vehicle which is not listed as being damaged on the HPI register, or one which may have very little damage. Often these are vehicles that have been stolen and then recovered.

Insurance Write Off Categories

2010-04-12T17:20:58Z

S2Dave:

Category A
A vehicle that has been written-off and which must be completely destroyed. It cannot be used for dismantling into its parts .

Notification of Destruction required. (To be crushed). Recorded at DVLA & HPI

Category B
A vehicle that has been written-off but where it's parts may be re-used. However, the body shell cannot be re-used and must be destroyed.

Notification of Destruction required. (Parts can be removed and sold). Recorded at DVLA & HPI

Category C
An insurance write-off mainly due to the cost of repair would be greated than the value of the car. It is suitable to repair to make it roadworthy.

Can be sold for repair but must now have VIC inspection.
Recorded at DVLA & HPI.

Category D
An insurance write-off for other reasons as the repair costs may be less than the value of the vehicle. It is suitable to repair to make it roadworthy.

Recorded with HPI.

Category X
A vehicle which is not listed as being damaged on the HPI register, or one which may have very little damage. Often these are vehicles that have been stolen and then recovered.