rant
I cant be the only person in this situation.
Like a lot of you my S14 is a weekend / occasional use car. I have a daily mile muncher for work.
I understand Sky, Flux, Greenline and more all specialise in sports and modified, but why does it make them SO uncompetitive for standard cars?
All of the specialist insurers I have dealt with offer mirroring of NCD / some form of discount if you insure a second vehicle with them, and two years in a row now I have had an insurer explicitly use this fact to try tempt me into insuring the Nissan with them.
And both years, they have outright declined (or been miles off the mark) for my quote.
Last year, I wanted to insure a boring Honda Accord. Had my S14 policy with a well known specialist insurer with 3yrs NCD, so gave them a call.
Refused to insure it.
Swapped it for a 325 BMW. Thankfully, just one(!) of their underwriters offered to cover it. at 1.5 times the cost of my modified S14 with all mods declared.
Fast forward to this week. Currently have my Nissan insured with a different company. Again, all mods declared, 4 years NCB.
Wanted to insure a new Astra (leased) as im earning a bit more and doing more miles. Sorry, that will be nearly twice the price of your S14, and at least a third more than what Compare the Market quoted. Is that because its a leased car, I asked? No, its because its standard and boring. And this is from an insurer who supposedly covers ALL vehicles, and reassured me so when I insured the S14.
Just seems confusing to me, as it stands to reason that most people insuring something sport or for limited use, probably have another vehicle.