HCOC The Hyundai Coupe Owners Club ®And Forums

I thought it might be useful to remind members of our access criteria as this features in most of the questions I'm asked on the forums. These are the terms given to us by insurers to ensure the scheme works for them and as many of you as possible. Most of these are based on the insurers' risk assessment and claims experience.

Driver Age
This is the main factor that affects whether we can offer a quote. Remember we can insure all the cars in your household, not just the car that inspired you to join the club/forum, so I'll talk generally as well as specifically.

Generally we can insure drivers from age 19 on low powered, low spec, entry level cars under 1100cc such as Renault Clios, Peugeot 106s, that sort of thing - but what about other models and more specifically, this forum's models?

For most other models age 22 is fine but for this forum's main models and similar we'd need you to be 23 with 6 months' experience of the car or one like it.

Apart from age, what are the other requirements insurers place on us to keep the scheme viable, regardless of the model of car?

Modifications
At Chris Knott we love modified vehicles. However, insurers won't allow us to cover vehicles with roll cages, NOS or bhp increases of more than 100 over stock. I know!

No Claims Bonus
We need you to have at least one year's NCB before we can quote and have been fault-claim free for 12 months (outstanding/unsettled claims mean we can't quote even if you're not at fault).

Points/Convictions
For new policies there is a cap on convictions - we can cover you if there is no more than one SP/PC/PL offence per driver within the last 12 months.

Overnight Parking
For some of the riskier postcodes there is a requirement that the car is parked off road overnight, though for some postcodes the insurer goes further and requires garaging. When assessing postcodes we include the first digit after the space so you're less likely to be affected by a poor neignbouring postcode.

Value
Unfortunately the scheme is not competitive for vehicles valued over £40k though we do have other facilities available, especially for high performance sportscars/supercars that mean we might still be able to help.

If you can comply with this criteria we'd welcome the opportunity to find you a better deal through the scheme which is exclusive to members of car clubs, forums and enthusiast groups. And if we can't help you it's nothing personal. Insurers are looking for safer business of course.

QUOTELINE: 0800 917 2274

best,
Nick


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Testimonials

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"Just had a really good quote from Ian at Chris Knott who have smashed my renewal quote and beat off all other competitors also. Had my policy documents through via email not long after I paid over the phone (no charge for using a CC either!). So far I'm really impressed with the service Thank you." Funky, Type R Owners Forum

With roll cages being a safety feature, may I ask why your insurers won't cover cars with them fitted?

Probably because the assumption is they may be used for racing.

Insure a 19 y/o on a hyundai SIII, 1 yr ncb, 2 yr driving and I'll love you long time.

GlasgowG wrote:Probably because the assumption is they may be used for racing.

Correct.

jake9767 wrote:Insure a 19 y/o on a hyundai SIII, 1 yr ncb, 2 yr driving and I'll love you long time.

Although we consider them low power I don't think the insurers will unfortunately. Either way, would cost you more than 5 dolla for the long time lovving,

Don't forget your other criteria that you won't insure people from Northern Ireland.

We CAN insure members in Northern Ireland.

Just not on my street then, my wife just called on my behalf as I'm in work and unable to call and she was told you cannot quote because of the post code. We live in a quiet cul-de-sac, yes in a housing estate but not by any means a bad area.

It may be down to the overnight parking arrangements at that postcode, rather than the postcode itself.

GlasgowG wrote:Probably because the assumption is they may be used for racing.

Is insurance not based on facts rather than assumptions? Also most policies state that insurance does not cover motor racing. As such, should a claim be made for an accident on a track then the broker would not have to pay out. So surely this makes the argument invalid?

Fletch26 wrote:

GlasgowG wrote:Probably because the assumption is they may be used for racing.

Is insurance not based on facts rather than assumptions? Also most policies state that insurance does not cover motor racing. As such, should a claim be made for an accident on a track then the broker would not have to pay out. So surely this makes the argument invalid?

I think the fact is they will assume you are going to drive like a nutter if you think you need a roll cage!

I know i know... just teasing

Tell them it's a Faraday cage for....err.... 'experiments'

It's a cage for taking the cat to the vet

Yeah, that'll work. Just have to remember to take it out if you have a prang

Just insured with chris knott, gave me an excellent quote, very helpful on the phone

ChrisKnottIns wrote:Yeah, that'll work. Just have to remember to take it out if you have a prang

The cat?

The cage