ChrisKnottIns

Hi JohnM, yes your quote will still be valid. We don’t mess around with pressure tactics like some others do, telling you to take the quote while it’s still available. The quote is the quote and is generally valid for 30 days.

POTENTIAL NEW CUSTOMERS: Tell us when you're going to want your next quote and we'll remember so you don't have to. Hi, did you know there are two ways you can schedule a call back from us via our website? We know some members forget to include Chris Knott when they're looking for car insurance quotes even though they fully intended to. We've fixed that for you with these two options: On our brief web form you can log your renewal month with us NOW and we'll call you at the right time to offer a quote - then you don't have to remember to call us! Give us your renewal month now to put the ball in our court and guarantee that you'll get a CK quote when the time comes (even if it's 11 months away) - https://www.chrisknott.co.uk/CarQuote/?ref=renlog. Obviously, you don't need to do this if you're already insured with CK as we'll automatically invite your renewal about 21 days early. You can also schedule a quote call back for any time in the next 3 days by using our web widget that pops up when you're on certain pages of our website such as https://www.chrisknott.co.uk/car_insurance.html. You'll be able to choose the day and the 15-minute time slot that suits you. You can also use it to trigger an instant call from us (well, within 27 secs or so). Great huh? Please remember to mention this forum when you speak to us so we can make sure we quote you under our special car clubs/enthusiasts facility. If you'd prefer to call us you can on 0800 917 2274. best, Nick

**NOVEMBER OFFER - WIN a £150 Love2shop Gift Card - JUST IN TIME FOR CHRISTMAS** This month's introductory offer for those with car insurance due soon. Simply request a car (or even home) insurance quote this month for the chance to WIN a £150 Love2shop Gift Card. Give club sponsor/partner Chris Knott a try in November and gain free entry in our draw PLUS what could be a winning quote. QUOTELINE: 0800 917 2274 (please mention this forum) ONLINE: https://www.chrisknott.co.uk/CarQuote/?ref=L2S_1119 best, Nick *** The experience of others... "I dealt with a very patient lady that helped me out a lot insuring my bp5 on the chassis number last year whilst working around a f*** up on A***** ****’s part." Jack Pearson, UK Legacy "Just adding to this - not only is the car insurance end of things good, but I've just taken out the annual travel policy and it is exceptionally good compared to others - including pre-existing conditions." Ros Kind, UK Barchetta Owners Club "Just insured the wife's MiTo with you .... and my Subaru!" Gary Taylor, AROC - MiTo Register "We joined them as they quoted us a much better deal compared to some of the others I got quotes from, so I decided to buy the car based on that quote as the others were far too high." Nerina Hughes, SLK Owners Club UK "Already been with you for years." Stephen Cook, S-Max Owners Club "New to you guys. Had a renewal quote from Elephant which I bettered online. Then called you guys to see your best price. Bettered my best price for my 2 cars by £80 in total. Great stuff guys." Simon Rasho, Southdowns French Car Club GB

Bump! If you're getting car insurance quotes this month remember to include Chris Knott in the mix. Give us a call and you'll be entered in the draw when we provide your quote. QUOTELINE: 0800 917 2274 (or use web link in previous post). I'd like to thank this forum's members for your support so far. We'd love to help more of you to find your next insurance deal. best, Nick These guys have already fed back their experience of getting quotes: "Bought my first policy yesterday from Chris Knott. Got to say, very impressed. Beat the lowest quote I could find on my RSQ3, with the same excess, etc. Thanks to Jack and Jessica, keep up the good work guys. Maybe I’ll even win myself a £100 amazon voucher." Paul McGrath's Knees, audi-sport net "How to get the hard work of searching done by someone else! Very kind and helpful staff. A good job done." Roland T, Trustpilot "Excellent customer service from Jessica. The whole thing was stress less. Thank you." Christian C, Trustpilot

CAR INSURANCE DUE IN OCT/NOV 2019? - WIN A £100 AMAZON GIFT CARD This forum's members qualify for free entry in the Chris Knott draw... just get a car insurance quote (or home insurance quote) during October and you're in with a chance to WIN a £100 Amazon Gift Card. That'll be handy as you start to think about Christmas, or maybe you'll use it to treat yourself - why not? HOW TO ENTER Find out how much you could save by switching to club and enthusiast specialist Chris Knott. QUOTELINE: 0800 917 2274 - please mention this group to access the full benefits of club membership. ONLINE: either complete brief contact details here: https://www.chrisknott.co.uk/CarQuote/?ref=204 - or schedule a call using our phone widget on that page. Request your quote from Chris Knott before close of play on 31st October and you'll gain automatic entry in our Amazon prize draw as well as a competitive quote and these broker benefits... CHRIS KNOTT BENEFITS • Competitive quotes for both modern or classic/collectors cars • Mod-friendly policies available • Trusted by car clubs for 35+ years • Personal service & assistance from qualified insurance experts in the UK • Sound, impartial insurance advice • Choice of policies and insurers who sit under UK regulation • Easy access by phone, email, forum or social media • All the ongoing support and assistance you need • Multi-car and loyalty rewards • Option to use your own preferred repairer • Agreed value and limited mileage options • Recommend a Friend scheme Give us a call when you're getting your quotes together and we'll be looking to offer you the best deal of the lot. best, Nick *** RECENT CHRIS KNOTT FEEDBACK "Helpful and efficient service - have made significant saving and will be using again for second car and buildings & contents policies next January. Very pleased indeed, many thanks." J Eagles, Trustpilot "100% recommend!!" D4MOST, FiestaSTOC "Easy to quote and great price" P Jones, Trustpilot "Brilliant – helpful, professional broker and a very fair price for good cover. Well done Chris Knott Insurance!!" N Bloom, Trustpilot "I'd been with ****** **** for several years but latterly their renewal prices, militant attitude to loyal customers and general ‘couldn't care less’ demeanour just pushed me over the edge. Switched to Chris Knott earlier this year and couldn't have been happier - very good price/package, lovely attitude and despite me changing cars several times since, nothing ever feels like it's an issue with these guys. I'll be swapping my wife's car to them too once her current policy (also with ****, sadly...) expires in December." TurboDave, Volvo Owners Forum "Cheaper than all other quotes for car insurance with the same level of cover!" Ms Guest, Trustpilot …and there’s plenty more positive feedback on Trustpilot where we’ve been rated ‘Excellent’.

Hi, it's always good to see what experience other people have had before you make a purchase, so here's the feedback we've received at Chris Knott Insurance since 1st August. We've gathered it via Trustpilot and the various car clubs and groups we work with. I hope this inspires you to give us a try for your next car insurance quote. Please call us on 0800 917 2274 mentioning this forum to access our car club member rates. TESTIMONIALS Chris Knott has looked after me for a few years and I am always pleased with the service received. Their professional image gives me confidence that I am purchasing a product from a reputable company which values me. C Wakefield, TrustPilot Fantastic staff and speedy service. So pleased with them. Try them - so nice to talk to someone. B Moss, TrustPilot Can I say a huge thanks for the running around Chris Knott Insurance did for my insurance this year Ant Lawton, UKPassats I have been with Chris Knott for the past 2 years, can't fault them - decent company and good prices D Archibald, UKPassats Gave me a very good quote and with all mods declared Garry Want, Peugeot 407 UK Beat every price I threw in the ring. Chucked in Breakdown. and then mentioned multicar and got the wife on with CK too. Best insurers I've had by far. Can't fault them at all! Richard Rigg, TT MK1 OC Almost halved my renewal quote and a really good policy too. Iain Anderson, AOUK Been with them for a few years now, always been very competitive and their GAP insurance has been good! Mick Jones, AOUK More than half the admin team are insured by them. They are club sponsors. Steve Shepherd, AOUK I second Chris Knott Insurance, better deal with extras that others charge for Terry Read, Ford C-Max MK1 & MK2 Owners Club Been using you for years now. Always been very happy with the overall package. Lowe, GT86/BRZ Drivers Club I have just called Chris Knott Insurance, they have beaten my price of my current company by £40.00 and I asked about bringing my missus car over and they have beaten that price by £86.00. Not a bad saving for making a phone call. G-Force, BimmerForums All very quick and easy to get cover, and at a good price. Jonathan, TrustPilot Ian was very helpful, friendly but professional, I couldn’t be happier. B Hrecska, TrustPilot Thanks Chris Knott - excellent service once again. It's so much better being able to talk to someone when you need to. Darren, TrustPilot Been with this insurer for 15 years. Just come back this year. Can't be beaten on price, for cover you get. N Jones, TrustPilot A very efficient, clear and honest service with very good advice. J Ling, TrustPilot Good service easy to deal with. K Evans, TrustPilot Quicker than doing an on-line trawl for insurance, great advice and a very competitive deal. I would definitely recommend A Pughsley, TrustPilot Professional and courteous. A Sehdev, TrustPilot I have had insurance for my Saab 9-3 with Chris Knott for several years. They are always straightforward to deal with and you speak to a person not a computer. Their rates are competitive and in my experience as good as the internet comparison sites. Recommended, especially if you have a Saab. A Maw, TrustPilot This company has been my chosen insurer for 6 yrs not the cheapest but the best policy I could find, staff always happy to help and breakdown service is amazing. Great service and would recommend. A Ellis, TrustPilot Helpful and quick, with a very competitive quote :) ilikiebrainfood, TrustPilot Excellent service and advice. Colin, TrustPilot How a broker should be...Just renewed with Chris Knott for 9th year running now. Small and friendly team who are very easy to get hold of by phone or e-mail, knowledgeable, helpful and extremely pleasant to deal with. They do what they say they will, on time and without fuss. A genuine pleasure to deal with and happy to recommend without hesitation. A Dutton, TrustPilot Currently getting new quotes before continuing with CKI after renewal. Very impressed with service and professionalism over the last year. You guys are awesome and so helpful, so I couldn’t recommend you highly enough. Richard Keith Rigg, British Modified Great, personal service. Highly recommended. N Johnson, TrustPilot Insurance isn't always as simple (or as cheap) as putting some details into a comparison site. And this is why for me Chris Knott gets 5 stars. I have used the company on many occasions and always had a great experience. The consideration of what the best policy is for you isn't just 'what is the cheapest', but considers your full overall circumstances and requirements. It just so happened that what they came up with for me not only did this, and gave me confidence that I had the right cover, but it also WAS the cheapest, much better than any comparison site. I am happy in the confidence knowing I have valid cover, which has been backed up with a person putting things in place for me as per what I specifically needed. M Oliver, TrustPilot Got our latest insurance through Chris Knott, a company we have used many times way back in the past and have been persuaded back by an Owners Club scheme. A quote at an unbeatable price with excellent extras meant it was a 'no brainer'. Don't know why we haven't tried them in recent years. Graham, TrustPilot Always an excellent service over the years. I try other quotes, of course, but Chris Knott is one to keep IMHO D Murphy, TrustPilot Pleasure to do business with. Provided me with just what I wanted with ease and efficiency. Mr Hayward, TrustPilot Very good. No lengthy telephone calls, totally hassle free. Documents arrived the next day as it should be. Recommended. A Dyson, TrustPilot Excellent assistance with comprehensive cover of a modified Alfa Romeo GT through the Alfa Owner's Club (AROC). D Tilley, TrustPilot Very easy and straightforward, staff have always been helpful and pleasant. G Fisher, TrustPilot Excellent comms and very good price. Highly recommended. Gary B, TrustPilot Thanks for reading. best, Nick

Hi, just to let you know that you can benefit from Chris Knott's UK Breakdown Cover discount offer this month - https://www.chrisknott.co.uk/news/UK-Breakdown-Cover-Offer-September-2019.html?ref=forums Our comprehensive cover (which includes HomeStart) normally costs just £63 for the year. Between 01/09/2019 and 30/09/2019 you can arrange cover for a single vehicle at the reduced price of £58. There are also discounts for our multi-car cover if that's your preference. You can get a quote online - https://www.chrisknott.co.uk/rescue/?ref=forums0919 or by phone on 0800 917 2274. Thanks for taking a look. If you have any questions about the cover please get in touch. best, Nick

You could be missing out if you ignore the specialist brokers (especially if your car or situation is non-standard). You might think that you're going to get your best deal on a price comparison website but actually at Chris Knott we're just as likely to beat an online price as any other. Different deals exist for brokers that mean we can easily compete in the market. Price is very important and we know that's normally the buying trigger but have you also considered what service you will get for example? WHAT TO CHECK WHEN GETTING QUOTES When you're comparing your quotes make sure you check a few key things in addition to the price so your pride and joy really is well protected: - Is there a contact number or address available if you have any issues or are they keeping you at arm's length? - What's the total excess you'll have to pay for claims (compulsory + voluntary amounts)? - What's actually included - windscreen cover, courtesy car, legal expenses? - Have you heard of the company before or are they unknown? - Are they UK based and therefore regulated by the Financial Conduct Authority? - How do their admin charges for change of address/vehicle/mods/resending documents compare? - What's the total cost (including interest) if you're paying monthly? Give Chris Knott a try at renewal and see if we'll be your best option this year. We can explain all of these things to you in your quote so you're not buying blind. QUOTELINE: 0800 917 2274 or leave us your renewal date at https://www.chrisknott.co.uk/CarQuote and we'll call you at the right time. best, Nick ********************************** RELEVANT TESTIMONIALS Here are some examples that specifically show Chris Knott beating the online sites - we have many more, these are just a selection: "Great company, great quote, dealt with a guy called Ian who couldn’t have been more helpful, as was everyone else I spoke with... couldn’t be more happy with the customer service, highly recommend calling them over wasting time with comparison sites." Dan Brooke, TrustPilot "I contacted Chris Knott Insurance after reading an online recommendation that they were good to deal with. I was pleasantly surprised at the prices provided, which were a total of £80 cheaper than the cheapest price I'd been able to find via searching several comparison sites. Good service as well which is always a bonus." Euan Campbell, TrustPilot "I used these last year and renewal due soon. At the time they we're the cheapest after looking at all the comparison sites." John Burrill, Saab Owners Club "So far so good. I have recently insured car and house with Chris Knott. In both cases I had done a comparison search on Google. I decided to go through talking with a human.Both agents were informative and helpful." Mrs B, TrustPilot "They are awesome! Best price I could find online and with comparisons, they beat by about £50. Plus they included ALL of the added extras you would normally pay extra for." Richard R, TTMk1OC "Gave Chris Knott Insurance a call - none of the comparison sites could touch them for my renewal." Graeme Thom, MK6 Golf Owners Club UK "I had been with Chris Knott Insurance for over 10 years up until 2013 when I got rid of my car. Recently after getting a new car, they were able to quote the best price on insurance even after a very reasonable quote from a popular price comparison website. Highly recommended, and its definitely worth getting a quote even if a comparison websites seem to be the best option." Andrew Robertson, TrustPilot

Thanks very much Lowe.

CAR INSURANCE DUE SOON? We're offering everyone who gets a car insurance quote from us before the end of July the chance to WIN a £100 Amazon voucher. Enthusiasts currently save 22.9% against their existing renewal on average by switching to Chris Knott so it could be a double win for you. You can use the link below or call us on 0800 917 2274 (please mention this car club or forum to access our special scheme for members and enthusiasts). Full details at https://www.chrisknott.co.uk/rewards/win-p100-amazon-voucher-chris-knott-2019.html best, Nick PS. If your insurance isn't due for a while you could still win with Chris Knott... Enter the Chris Knott #showandshine - https://www.chrisknott.co.uk/news/chris-knott-show-shine-competition-2019.html - and show us what you've got! *** Testimonials Here's some feedback about the Chris Knott service... "Gave me the best quote for my BMW 520d. Best price including comprehensive breakdown cover and legal aid etc included too!" Rob M, TrustPilot "Good service, good solution. No fuss!" Timothy A, TrustPilot "The company has helped tremendously - Milton and Kathy have bean fantastic and help in every way possible." Kevin G, TrustPilot "Excellent experience, would recommend no problem at all." Jason S, TrustPilot "A good experience and I believe this is my 3rd year. Still very satisfied with price and most particularly the service and general absence of machines answering the phone! People are always best and it's always a pleasure to speak to the helpful friendly staff." Mr Cresswell, TrustPilot

CAR INSURANCE DUE IN JULY OR AUGUST? Simply get a Chris Knott car insurance quote before close of play on 31st July for the chance to WIN a £100 Amazon voucher. QUOTELINE: 0800 917 2274 To qualify for our special 'car clubs and enthusiasts' scheme you will need to have held a full licence for 3 years, have some bonus and be a member of this car club/forum/group. Quotes are valid for 30 days so you can also get your August quote in July. Don't forget we're also running the Chris Knott Virtual #showandshine 2019 until 30th August with AutoFinesse's Ultimate Car Cleaning Kit as a prize - show us your car on our social media pages to enter... Facebook: https://www.facebook.com/ChrisKnottIns Instagram: https://www.instagram.com/ChrisKnottIns Twitter: https://www.twitter.com/ChrisKnottIns best, Nick

Hi, Share a pic of your car on one of our social media pages and you could win a great prize. As a specialist car insurance broker, Chris Knott Insurance works with many of the UK's car clubs, forums and enthusiast groups, insuring both classic cars and modern/modified vehicles. However, we don't often get to see the lovely cars that are so important to you and the car community. You can change all that and maybe win a prize in the process... This Summer we're inviting you to post a photo of your car on Facebook, Twitter or Instagram (whether you're a Chris Knott client or not) and show us what you've got. In return you'll have the chance to WIN a huge bundle of AutoFinesse car cleaning/detailing products - full details at https://www.chrisknott.co.uk/news/chris-knott-show-shine-competition-2019.html HOW TO ENTER It's really simple! Just post your pic on one of our social media pages. Here are the specific instructions for each of the 3 main platforms (all our accounts are @ChrisKnottIns): FACEBOOK INSTRUCTIONS: COMMENT "#ShowAndShine" on our post at the link below and ADD your car photo. Please LIKE our page and SHARE the post. https://www.facebook.com/ChrisKnottIns/videos/2023300087964199/ TWITTER INSTRUCTIONS: REPLY "#ShowAndShine" on our post at the link below and ADD your car photo. Please FOLLOW our page and RETWEET the post. https://twitter.com/ChrisKnottIns/status/1124334280652599298 INSTRAGRAM INSTRUCTIONS: Post your car pic ON YOUR OWN ACCOUNT and TAG @ChrisKnottIns in the picture itself. Then COMMENT using the tag #ShowAndShine. Please FOLLOW our account. CLOSING DATE Of course we'll be watching throughout and enjoying seeing your cars but after 31st August 2019 we'll start the shortlisting process to whittle down the entries to a final few for consideration. Then we'll pick the overall winner of this fantastic detailing prize.

We're giving away a DashCam to one lucky winner! Hi, If you'd like to get your hands on a Dashcam you'll enjoy this latest competition from Chris Knott Insurance. PROVEN CAR INSURANCE SAVINGS Designed specifically for car club members and enthusiasts, our car insurance facility currently saves drivers an average of £107 against their existing renewal quote elsewhere*. Maybe that's why we have an excellent TrustPilot score of 9.5/10. If that's not enough to encourage you to call for a quote, in addition we're offering you free entry in our prize draw when you do. THE PRIZE For this first competition of 2019, we're offering a Nextbase Duo HD DashCam (with 32Gb Micro SD card) - worth over £200 - details at https://www.chrisknott.co.uk/rewards/dashcam-prize2019.html HOW TO ENTER Simply request a Chris Knott Car Insurance quote before close of play on 30th April and you'll gain automatic entry in our draw. Just call us free on 0800 917 2274 (mentioning this club/forum) when you're ready to go through a quote and we'll do all we can to win your business. best, Nick Recent testimonials from satisfied Chris Knott clients... "I've been with Chris Knott for a few years now. They have been great value and their customer service is also very good." Kat Miller, DelSol UK "Great company, especially if you're with certain car enthusiast clubs, had a little bit of aggro initially, but sent informative message to them and was instantly resolved, will certainly use Chris Knott again" Nosey Parker, TrustPilot "A very good service with very competitive rates" David Winter, TrustPilot "The quote was good, very friendly staff and prompt with the paperwork. So far so good with the experience." Stuart McIntyre, TrustPilot "I found Chris Knott Insurance very helpful and to the point. They were also competitive on price." Anthony Cook, TrustPilot "I found the staff at Chris Knott Insurance very helpful. Glad to have decided to change insurance brokers." Diane H, TrustPilot "Great personal service and an unbeatable quote for my Alfa Romeo!" JW, TrustPilot "I went with Chris Knott & saved £200 on my Mito with being in AROC." Debbie Pepper, Alfa Romeo OC "Just renewed my policy with you. Originally the price was slightly higher than last year, but you were able to drop the price down a fair bit to match a competitor. This was also the same for my daily driver which is also insured through you guys. Top service as always and the staff are very quick to turn quotes back around." Ant21, VXRonline "Really good interaction by phone, willing to run through a number of different permutations to get the best solution." JH, TrustPilot *Mean average saving £107.68 against new customers' existing renewal price elsewhere where disclosed. Source: OpenGI MI 01/01/2019 to 14/03/2019.

More members set to benefit from Chris Knott service... Hi, Insurers have relaxed their rules under our car clubs and enthusiasts offering which means we should be able to help more of you get a better car insurance deal. We'll still be applying common sense to our quotes but there'll no longer be hard and fast minimum driver age restrictions on models. Instead we'll be assessing risks on a case by case basis - looking for relevant driver and vehicle experience. The Chris Knott scheme via this forum rewards safer drivers and we think there are more of you on the car club and enthusiasts scene than anywhere else in the UK. All drivers must have held a full UK licence for at least 3 years and have 2 years NCB to use (gained on the quoted vehicle or another that can be mirrored across inc. company car). We can now quote if you've had a fault claim as long as it was at least 12 months ago. Even if you have had a fault claim in the last 12 months, if the cost was under £2k we can still help. If you can comply with these few criteria, there's a strong chance that Chris Knott will be your best option for car insurance this year. Please put us to the test by calling 0800 917 2274 for a quote when your renewal falls due. Don't forget to mention this club/forum which will be your ticket to accessing this special car clubs and enthusiasts scheme. Alternatively, you can complete contact details at https://www.chrisknott.co.uk/CarQuote/?ref=crit19 and we'll call you. best, Nick

We don't offer track day cover, no. Sorry.

5-star Defaqto GAP Cover from Chris Knott If a new car is on the cards you might be interested in protecting its value with either 'Return To Invoice GAP' or 'Finance GAP' cover. Chris Knott's combined RTI/Finance GAP Cover is 5-star Defaqto rated - meaning it has been independently assessed as providing the highest levels of cover. We're so confident you'll like it too that you can try it risk-free for 30 days. 100% money back guarantee During that time, if you decide for whatever reason it doesn't meet your needs, as long as you haven't made a claim you can request a full refund. THE KEY BENEFITS: - Top-up your motor insurance payout in the event of a total loss claim - Get back to the original invoice price or settle any outstanding finance/lease (whichever is greater) - For cars (and commercial vehicles under 3,500kg) upto 10 years old/100,000 miles - Covers vehicles valued right up to £180,000 - Unlimited claims coverage on cars upto £50,000 - 5-star Defaqto rating - the highest level possible - PCP/Contract Hire/Lease Hire - all acceptable - 30-day cooling-off period - Upto £250 of your motor excess refunded - Arrange cover upto 100 days after vehicle purchase Get a quote and buy online: https://www.chrisknott.co.uk/GAP You'll also get your money back if there is no gap following a total loss... That's right, you'll receive a full premium refund if your car is written-off or stolen and there's no shortfall between your motor insurer's payout and the invoice purchase price. This could arise, for example, where you buy a heavily discounted vehicle and the total loss comes before the vehicle has depreciated enough to create a gap. Cover the GAP today You can get a quote online risk-free or call us on 0800 917 2274 if you'd prefer to speak to someone. best, Nick PS. Don't just take our word for it - you can view the full Policy Wording or the more user-friendly Product IPID to see for yourself why Defaqto determined that the cover is one of the best on the market.

Modified cars are fine, though if the cause of any total loss is deemed due to the modification the insurer will not pay out.

What's that, about a 20-25bhp increase?

It has to be remembered that no single insurance provider can guarantee to be the best price-wise for everyone, otherwise they'd insure the whole country and clearly no-one does that. We are brokers with access to a number of insurers' products (including schemes that very few other brokers can access) but the quotes will ultimately always be reflective of the risk presented. We won't be the cheapest for everyone but the facilities available to us, our service levels and our reputation mean that 4 in 10 who ask CK to quote end up purchasing the policy. 80% of our clients renew year after year. Those are both strong numbers in this highly competitive industry. We gather data to help us understand where we sit in the market - car club members save 22% on average against their existing renewal when they switch to Chris Knott. It's working for many, though not for everyone. If we can't quote for you or we're not the cheapest it's not a personal affront.

So it's SK8 4 versus SK8 3 from what I can gather. Is that right?

It went up when you remapped the car mid-term (you paid £28 to get you to the end of the policy year). The annualised premium for last year is shown on your renewal document. It doesn't include the £15 admin fee. The insurance premium has risen by £16.53 at this year's renewal.

I'll check for you Ben.

The risk areas are determined by the insurers. They look as deep as the character after the space in a postcode, so TN34 3** for example when setting the area. We only know what area the code sits in when we run it through our system. If you'd like to check yours please PM me and I can check the requirements.

It's not OUR risk appetite - the criteria for the clubs and enthusiasts scheme is set by the insurance companies themselves to protect the scheme from undue risk. We're brokers. I'm sorry we couldn't help you under the scheme, though it does work very well for many people who can comply with the access criteria.

Excellent. Thank you.